LIL seeking advice re tenant's looming debt problem
I am a 41F live-in landlord, I rent an annexe (no shared areas, just the same utilities). My tenants are a married couple in their late 20s (non-UK nationals). This is their 3rd year renting from me.
Since last summer, it has become clear that the husband is hiding a weekend drug habit, as well as multiple debts from his wife. I know this as he has admitted to me starting to use coke last summer, and I have noticed an increase in 'serious looking' letters (most notably) from his car insurance provider and others.
This has been going on for months; the wife has been out of work since December, and I am concerned about their ability to pay rent (they have not defaulted yet) and the prospect of debt agencies coming to my door. As my front door has street access, and theirs is separate and behind a locked gate, if creditors come, it will be me who has to confront them.
I have had bad experiences with creditors when my dad passed suddenly, so just seeking reassurance as to where I stand. I've done my best to go above and beyond for my tenants, but this situation has me worried as I live alone otherwise and don't have anyone to ask for advice.
Do I have any rights when using a non-assured tenancy agreement to serve notice if I start having issues with companies coming to my door to recover debt from the husband? Is there a risk that they will take any of my property to cover the debt?
EDIT: I realised that I've used the incorrect wording here. My situation is that I am a Residential Landlord and these are my tenants. I have added a screen grab of NRLA (National Resident Landlord Association website description - of which I am a member). I am using a non-assured tenancy agreement for this reason.
