Debt buyers often purchase accounts in bulk with the intent to profit from collection — but ownership doesn’t always mean entitlement. Many of these debts may be legally unenforceable, and just because a debt buyer claims you owe, doesn’t mean the law agrees.
At Raw Chambers, our experienced Consumer Protection Barristers are here to provide strong, strategic representation to help you defend your rights and protect your financial future. If you’ve received court papers or been contacted by a debt purchaser, now is the time to seek clear legal guidance.
Schedule a free consultation today: 0161 554 0254
Prioritising Clients. Protecting Rights.
We understand how stressful it can be to receive letters; court claims or demands from a debt buyer. It’s not always clear what steps to take — and acting without legal advice can complicate matters.
That’s why we encourage you to speak with our specialist debt defence lawyers before responding or making any payments. We’ve supported countless clients in similar situations and are well-versed in the technicalities of debt assignment, consumer credit, and court procedure.
In many cases, we can challenge the claim or even have it dismissed.
Key Considerations When Facing a Debt Claim:
- Right to Proof of Ownership: Even if you recognise the debt, the claimant must prove they lawfully own it. This typically requires a clear assignment that identifies you by name, address, and account number.
- Do Not Ignore Court Documents: Time is crucial. Failing to respond to a claim form or attend court could result in a default judgment against you.
- Avoid Making Payments Without Advice: A partial payment — even a token gesture — might reset time limits and revive a debt that could otherwise be out of time.
Contact Raw Chambers Today
With over 50 years of combined experience, our team is committed to resolving your case with clarity, diligence, and discretion. We are here to support you every step of the way, whether the debt is valid, questionable, or entirely unenforceable.
Take the first step toward resolution – call us on 0161 554 0254 for a free consultation.