Whether you are vulnerable, disabled or have mental health problems you should tell the company you are in debt with as soon as you can so they can advise you on how they can help. Most companies will work with you to try and find a way to help you until you are in a better position. The sooner you advise them the sooner they can advise you of the next steps. Remember, its not in yours or the companies interest to ignore you.
If it has reached a point of debt enforcement (bailiffs) tell them as soon as you can if you are in a situation that makes it difficult for you to deal with them, e.g. disability, seriously ill or mental illness.
If your vulnerable bailiffs have to treat you with greater care. For example, they shouldn’t do things like enter your home if you are home alone, should give you more time to make payments, and should never threaten to take anything that helps your health.
You should tell the bailiffs and your creditor (the person/place you owe money to) if you believe you may be vulnerable.
For more information on this, please visit: Citizens Advice/Debt & Money