It would be daft do do it from your own
I have to bow to your superior knowledge in these matters Ha Ha!
but for the person having rented out the room its no fun having to fend off bailiffs and debt collectors knocking on your door for the next ten years trying to seize your goods.
These bailiffs are not like you see on the TV, doing it by the rules. The real ones will just push you out of the way and walk in.