Can sheriff officers come into my house and take my possessions to pay off my debt?

This information applies to Scotland

In theory, yes. In practice, this is very rare. Before sending in sheriff officers, creditors must have tried other ways of collecting your money. They also need a court order to enter your home and seize your possessions, so it is very unlikely that this would happen.

Nevertheless, it is very important to make sure that things do not get to this stage. If your debts are getting out of hand, get help now - go and see your CAB, click to find your nearest CAB. Many CABs have specialist money advisers and all CABs give advice on debt.

The Scottish Government has a useful booklet on dealing with debt. You can find it at www.scotland.gov.uk.

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Other Frequently asked questions about credit and debt:

• My debts are getting out of control and I can’t possibly pay them all. What can I do?
• I have been refused credit to buy a new washing machine. What can I do?
• I am going to live on my own for the first time and am worried about how to manage my budget. What can I do to prevent getting into debt?
• I think someone may be using my credit card details without my knowledge. What can I do about it?
• A bank that I do not normally deal with has contacted me to chase an outstanding debt. I think I may be a victim of identity theft. What should I do?