This information applies to Scotland
In theory, yes. In practice, this is very rare. Before sending in sheriff officers, creditors must have tried other ways of collecting your money. They also need a court order to enter your home and seize your possessions, so it is very unlikely that this would happen.
Nevertheless, it is very important to make sure that things do not get to this stage. If your debts are getting out of hand visit our Debt Advice page and come and see us!