In the uk it a bit diffrent, they send a balief to your home to get the cash,if they dont see you personally to get the cash , then they try and get in your home, if you let them in your home or they get in via a open door or window,
They Write what on offer in value of the debit,
If you ant got much they try to do a pay back agrement with you.
If you dont ansaw the door they look for any open windows ,they can enter them if there freely open ,no force allowed, it on the paper that come from the court to collect the money.
Know if your not in and there no access they go away keep phoning and all that crap.
But the case dont end there in uk.
The company can know ask for a serif to come and collect , the shiref is a balif but got more powers , the heigh courts give them more force , the serif will go to the home, and if you dont ansaw the door they will enter the property with a locksmith or force door open with a crow bar ,
But
If the serif see you got no goods to the value of the money needed ,they will see if you can pay monthly ,or see if you got a car to pay it off ,
If you end up having nothink and can not pay at all , then the serif will advice bankruptcy, there and then , you sign papers as bankrupt and papers are sent back to court.
You get away with the value you owe, but you know got no credit for 5 years uk rules.
And your name goes in local paper to announce your bankrupt ,encase you owe any other creditors cash .
Uk rules lol