How can I deal with aggressive debt collectors?

Debt collectors should not be aggressive, nor should they use tactics to bully or intimidate you. Here are some aggressive debt collection methods which should not be used:

• Attempting to force their way into your home – Debt collectors have no right of entry into your property, and should only enter if invited. They must also leave when requested. You don’t even have to answer the door when they arrive, and this can sometimes be the best option if you’re not sure of your rights.
• Telling you they have power to seize your possessions – A debt collector might tell you they’re going to remove possessions from inside or outside your property, but they have no such authority. Only bailiffs can seize goods and possessions in repayment of a debt.
• Saying they can deduct repayments from your wages without a court order – Debt collectors require court authority before money can be taken from your wages.

If you are dealing with an aggressive debt collector, you should make it a priority to seek expert help and advice in resolving the situation. If your financial position makes it impossible for you to pay your outstanding debts as and when they fall due, you may need to consider entering into a formal process such as a Trust Deed, a Debt Arrangement Scheme (DAS), and Sequestration.

Scotland Debt Solutions has been helping Scottish residents to escape debt for over 30 years. Our expert team has extensive experience of advising clients when debt collectors use aggression as a means to obtain payment - we will make sure you understand your rights, and the best way to proceed. Contact us today for free initial advice on your options.