Unfortunately, the answer to this question is yes. Creditors can use something called a “break order”, which allows them and the sheriff to go to your house and break in. They can even do this without notifying you beforehand. There are a few exceptions, however: break orders are generally impermissible when only one party in a marriage is filing, for example. Additionally, if you share the home with someone else, your creditors may not be able to enter. A Jacksonville Bankruptcy Attorney will be able to assess your specific situation.
The good news is this doesn’t happen very often; it’s generally used to intimidate an uncooperative debtor. Further, a judge must issue break orders; the creditor can’t simply call the sheriff and ask for some deputies to come break into your home. However, having an attorney may prevent such intimidation tactics. If you are filing bankruptcy, talk with a Jacksonville Bankruptcy Attorney by calling 904-685-1200.