Facing a debt from Kearns Solicitors? Not everyone is obliged to pay up. However, brushing them off could lead to dire consequences. So, what should you do next with Kearns Solicitors?
Hang tight as I unravel your options…
Table of Contents
MORE
LESS
If you’ve recently received a debt letter from Kearns Solicitors, it’s possible that you’re feeling a mix of emotions, such as confusion, frustration, or even anxiety.
In this guide, we will provide you with essential information about Kearns Solicitors and address your options after receiving their debt letter. Are you obligated to make a payment? Discover the answers right here.
Who are Kearns Solicitors?
Kearns Solicitors is a legal firm that works for clients in England and Wales. According to their website, they provide a limited number of legal services and a majority in debt collection.
They help creditors and businesses recover unpaid arrears and invoices by tracking and chasing the debtor in order to recover the debt. Debtors who are unable to pay the amount in full may be provided a payment plan to make paying back the debt easier.
But in a case where a debtor doesn’t cooperate, they may decide to take legal action against them. Since they are a law firm, this threat is most likely high in comparison to other debt collection agencies that don’t have solicitors.
The world of legal jargon is vast. But, in Kearns Solicitors’ domain, they focus on two things: clarity and commitment. Every legal document, every interaction, they ensure it aligns with the highest standards set by the legal sector.
- Clarity: Legal language can be complex. But Kearns Solicitors ensure every word they pen is transparent and easy to grasp, especially for someone who’s not a legal eagle.
- Commitment: They work hard to represent their clients, to chase what’s owed, and to do it all with unyielding integrity.
The reach and impact of Kearns Solicitors is impressive.
- They’ve dispatched thousands of letters.
- Assisted countless businesses.
- Restored numerous broken financial ties.
Who does Kearns Solicitors Debt Collection work for?
This question is atop the list for many. Kearns Solicitors aren’t merely restricted to one type of client. They serve an array of businesses, each trying to retrieve debts owed to them. From small enterprises to larger corporations, they handle debt collection across the board.
Some of their frequent dealings include credit card companies and loan providers.
Kearns Solicitors Debt Recovery Reviews
Kearns Solicitors reviews are a mix of both good and bad. Some individuals state that they were very helpful, while others state that the company would attempt to escalate the matter to courts. Some of their Google reviews are as follows:
“Very professional and easy to deal with. I was impressed with the attention to detail and speed of the process…read more” –Nigel Tranter
“My experience of Kearns was faultless. I was kept well informed and updated, and the staff I met in the court were professional and experienced. The fixed fee arrangement meant that I knew costs were affordable and reasonable. Highly recommend…read more” –M Harries
“Sent me a CCJ with no warning, no phone calls, no letters, literally nothing…read more” –Dave Stokes
“No help whatsoever from the supposed “adviser.” Tried to implement a repayment plan that was affordable for me without success. Very bad attitude…read more” –Eder Junior
Have You Received a Kearns Solicitors Debt Letter?
Formally known as a Letter Before Action (LBA), Kearns Solicitors debt letters are an important step in taking you to court. Before they take you to court, they are obligated to send you a letter informing you that they will be going to court against you if you don’t pay. This gives you one last opportunity to make the payment before matters get worse.
Some debt collectors use this as a trick to get debtors to pay. And sometimes, they don’t even have the intention of taking you to court. However, since Kearns Solicitors is a legal firm, there is a high chance they will assist their client by taking you to court if you don’t cooperate.
However, remember:
- Don’t act impulsively: Emotions can run high upon receiving such a letter. Acting without proper thought might lead to avoidable complications.
- Understand its essence: This letter serves as a preliminary step before taking any legal action. It’s an opportunity for you to address the issue before it escalates further.
Even though receiving a Letter Before Action can be stressful, it’s crucial that you don’t ignore it. So make sure to:
- Documentation: Ensure that you keep a copy of all correspondence. It’s a vital step in maintaining a clear record.
- Seek advice: If unsure about the content or implications of the letter, it’s always prudent to seek legal or financial advice.
A few steps you can take after receiving an LBA are:
- Engage in dialogue: Proactive communication with Kearns Solicitors might provide clarity and possibly pave the way for a resolution.
- Know your rights: It’s paramount to understand your legal rights. It will help you to know when they step over the line.
Should You Pay Kearns Solicitors?
You can pay Kearns Solicitors if you’re sure that the debt is yours and you’re able to pay. But before you even consider making any payments, you must:
- Validate the debt claim: Ensure that the debt Kearns Solicitors is referring to is genuine. There have been instances of mistaken identities or outdated claims.
- Check the amount: Sometimes, administrative errors can lead to discrepancies in the claimed amount. Ensure that the amount aligns with what you believe you owe.
It’s not a straightforward “yes” or “no.” Reflect upon:
- Negotiation possibilities: Engaging in a dialogue might lead to favourable payment terms or even a reduced settlement amount.
- Consequences of non-payment: It’s essential to understand the ramifications of not settling the debt. From legal proceedings to their impact on your credit report, be aware of what’s at stake.
Ask Kearns Debt Recovery to prove your debt.
Challenging a debt collection agency might seem audacious, but it’s your right. Kearns Solicitors, like all such firms, must provide proof of the debt they claim you owe. It’s not about defiance; it’s about clarity. If they can’t validate their claims, you’re on solid ground.
The only time you shouldn’t ask them to prove the debt is when:
- They already sent you proof along with the Letter Before Action (LBA)
- Your debt is statute-barred
If they fail to provide you proof after you request it, you can ignore future letters from them until they show you proof.
If they take you to court, you should then show evidence to the judge (letters or emails) where you have requested Kearns Solicitors to show you proof that you owe the debt. And mention that they did not get back to you with any proof.
So, keep in mind that it is crucial to have a copy of the Prove the Debt Letter you sent to them.
Or tell them your debt is statute-barred
An old debt can sometimes be a forgotten debt. In the UK, there’s a term called “statute-barred,” which signifies that specific debts lapse after six years and cannot be pursued (enforced). So, if your debt is old, there is a chance it might be statute-barred.
In this case, you can inform them that it is too old to be collected.
Note that for a debt to be statute-barred, it should meet the following criteria:
- You have not made any payments in the last six years
- You haven’t admitted to owing the debt in the last six years
- You haven’t received a County Court Judgment (CCJ) for it.
Kearns Solicitors proved I owe the debt – should I pay?
If Kearns Solicitors prove that you owe the debt, you should pay it. Paying might sting, but it’s potentially better than escalating court procedures, hefty legal fees, and the looming stress. Always remember navigating this process with transparency and clarity is crucial.
If you’re unable to pay, communicate it to them, and they might provide you with a payment plan. You can also take up a debt solution if you qualify. There are many debt solutions in the UK.
If you want to know if you’re eligible, feel free to fill out our online form, and our Money Advisor Team will guide you. Note that while taking up the right debt solution can help you to write off debt, the wrong one will be expensive and even worsen your situation. So choose wisely with some guidance from a professional.
Some debt solutions you can take up include:
But note that while taking up the correct debt solution will help you to write off debt, a wrong one will be expensive and might even worsen your situation. So, taking advice before you make the decision is crucial.
Facing debts can be daunting. Add to it the challenges of mental health, and it might seem insurmountable. But remember, there are paths, rights, and options available. Understanding them is the first step to regaining control.
Other Debt Collectors to look for on your Credit Report
The financial landscape is vast, with Kearns being just one of many debt collectors. Other big players, like Cabot, PRA Group, and Lowell, also have a hefty presence. Regular check-ins on your credit report can keep you a step ahead and well-informed.
Kearns Solicitors Contact Details
| Address: | Kearns Solicitors, Brecon House,3 Caerphilly Business Park, Caerphilly, CF83 3GQ |
| Telephone: | 02920808668 |
| Fax: | 02920 808667 |
| Email: | info@kearns.co.uk |
| Website: | https://www.kearns.co.uk/ |
Need personalised support with a Kearns Solicitors debt?
If you want personalised support, we recommend you reach out to a debt charity for free guidance and advice. Some debt charities that you can reach out to include:
- Citizens Advice
- StepChange
- National Debtline
If you want additional debt help and guidance, we also recommend that you speak to a qualified and licensed debt advisor. Feel free to click on the link, and our Money Advisor team will guide you on the path you must take for a debt-free future.
Alternatively, feel free to fill out our online form by clicking here if you want personal help from our Money Advisor Team based on your current financial standing.
Key Points
- Kearns Solicitors is a prominent legal firm located in England and Wales, known for its expertise in the debt collection domain.
- Reputation in the Industry: By diving into “Kearns solicitors reviews,” we can gauge their relentless pursuit of representing their clients, which has earned them both applause and criticism.
- If you find yourself holding a debt letter from Kearns Solicitors, also known as the Letter Before Action, it indicates a serious step towards potential legal proceedings.
- Upon receiving a letter, it’s essential not to panic. Instead, initiate a dialogue with Kearns Solicitors for clarity and potential resolution.
- Not all debts are eternal. Some debts become statute-barred after six years, making them legally unenforceable. It’s crucial to ascertain if your debt falls under this category and inform Kearns Solicitors if it does.
- Before making any payment, ensure the authenticity of the debt Kearns Solicitors claims you owe. Administrative errors or mistaken identities can sometimes occur, so thorough verification is a must.
- While settling genuine debts is advised to avoid legal complications, understanding the consequences of non-payment, including its effect on your credit report, is equally essential.
- Engaging in conversations with Kearns Solicitors might lead to better payment terms or a possible reduction in the total amount due.
- Advice and Support: If in doubt about the Kearns Solicitors debt letter or its implications, seeking legal or financial guidance is always a prudent move.
