A debt consolidation loan does not automatically stop bailiff action, and enforcement fees may continue unless the creditor or enforcement agent agrees to pause or change arrangements. Before borrowing, contact the creditor and bailiff, explain your circumstances and ask about an affordable repayment plan; do not ignore notices or visits. Consolidation could cost more overall, and a secured loan may put your home at risk, so compare the full cost with other options. A free debt adviser such as Citizens Advice, StepChange or National Debtline can check whether solutions such as Breathing Space may apply, while an FCA-authorised lender can explain any loan terms.