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Action the creditor can take

If you've stopped repaying your debts, a creditor may try to take you to court to order you to pay back the money you owe.

The following pages explain the different ways you can be ordered to pay back the money, including how to prepare for going to court and how to stop a court order or get it changed. They also tell you how your creditor should behave towards you and what you can do if you think they're harassing you.

Sheriff officers

Information about sheriff officers’ duties and powers, including advice about how to stop them taking action against you and how to complain about them.

Action the creditor can take

Help for people whose creditors are taking legal action against them.

What happens if you are taken to court for money you owe

Information about what to do if someone takes you to court under the simple procedure claiming that you owe them money.

Harassment by creditors

How creditors are supposed to behave when they are trying to recover their money, what kind of behaviour is not acceptable and how to tell if you are being harassed.

Your service provider is threatening to disconnect you

What you should do if your service provider is threatening to disconnect you because of unpaid TV, telephone or internet bills.