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how do bailiffs work?

i wanna know how do bailiffs work let me start from the beginning me and the hubby had a great job each and payed all the bills and so fourth then i had a daughter and i went part time and my hubby when full time anyway he lost his job and i had to go full time and now we cannot pay bills and we get loads of court action letters and i am so worried the depts are from the likes of catalogues and credit cards and all the other home shopping things now all i want to know is can bailiffs try and et in or do they have to go to court first i know they can come on for none payment of council tax but the like of credit cards and home shopping how does that work plz help i am worried

Public Comments

1. I don't know how bailiffs work but I recommend you visit your local CAB office for advice or the national debt helpline - either one of these Monday morning.
2. you need help and fast register at www.consumeractiongroup.co.uk you will get all the help you need there. Bailiffs can only come into your house with a court order but they first have to have a CCJ, county court judgement. against you before they can do anything but don't worry you can Challenge everything and still be withing the law. The CAB i have found are not helpful.
3. Please take the advice about CAB. If there is a court hearing it is essential that you go. It is not that frightening. If you do not go - or pretend that you have not had the summons etc - all that will happen is that the rights and wrongs will not be heard and the person bringing the case will succeed in getting judgement. In the end it may be that if you do not own your house but live in local authority or housing association property you may need to consider bankruptcy. This is not as bad as it sounds and the court protects you from your creditors.