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Kearns Solicitors Debt – Should You Pay? 2022

kearns solicitors

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

Did a Kearns Solicitors debt letter come through your letterbox recently? If so, you might be confused, angry or even a little scared. 

We reveal the important details about Kearns Solicitors and discuss what you can do after receiving a Kearns Solicitors debt letter. Do you really have to pay? Find out here. 

Beating Debt Collectors

There are several ways to deal with Kearns debt collectors and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

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Who are Kearns Solicitors?

Kearns Solicitors is a legal firm working serving clients in England and Wales. However, their website suggests they offer a limited number of legal services, with much of their website dedicated to discussing their debt collection service. 

They can help businesses and creditors recover unpaid invoices and arrears by tracking down the debtor and chasing them (within the rules of the law) for a payment. Those who cannot pay the full amount may be invited to agree on a payment plan instead. 

But they may also threaten legal action, just like any other debt collection agency. There’s little doubt that the threat of legal action can feel more real from an actual law firm, as opposed to a debt collection agency with no solicitors in the company. 

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Who does Kearns Solicitors Debt Collection work for?

Kearns Solicitors Debt Collection will work for a vast number of businesses and creditors to help them recover unpaid debts. They don’t work in a specific industry, however, there is evidence on online forums that they often work to recover unpaid credit card debts. 

Kearns Solicitors Debt Recovery reviews

Upon reading the Kearns Solicitors reviews online, you’ll get mixed messages. But the reviews also suggest that Kearns Solicitors will sometimes work with their client to escalate the debt collection process to the courts. 

This means that any legal threats are not always made to simply scare you into paying. Take a look at this review:

“Well, they have taken action against me so I may well be a little bit biased. Not a massive fan. However, I have had a couple of communications with them and have found them fairly responsive.”

  • The Fuzzy Scrapper (Google review)

Kearns Solicitors may advise their client to escalate the debt collection process to court. This is more likely if the debt is a significant amount. The court could then ask you to pay (if you do owe the debt) and you’ll be issued with an order to do so. You must then pay the debt or agree on a payment plan. Otherwise, you might have to deal with bailiffs and more costs. 

But this is a long way down the process. Let’s get back to those initial Kearns debt letters… 

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Have you received a Kearns Solicitors debt letter?

Kearns Solicitors’ debt letters are formally known as a Letter Before Action (LBA). The letter is a necessary step in the process of taking you to court. They give you an opportunity to pay the debt or agree to a payment plan if you cannot afford to pay the whole amount at once. 

It will also threaten that the company you owe may take you to court if you don’t do anything. Debt collection companies use this as a way to scare many people into paying quickly despite having no intention of taking the debtor to court. However, as we have seen in the reviews and due to them being a legal firm, there is still a chance Kearns Solicitors could help their client take you to court over the arrears. 

So, your first question is probably… 

Should you pay Kearns Solicitors?

Despite the threat of court action, you shouldn’t just give in and pay Kearns Solicitors straight away, unless you know about the debt and wish to pay it anyway. You can reply to their Letter Before Action which continues the process without having to pay straight away. 

It might buy you some extra time to come up with the money. And it may even get you out of having to pay at all. This step is also useful if you think they have the wrong person. So what is it?

Ask Kearns Debt Recovery to prove your debt

You should reply to Kearns Solicitors Debt Recovery asking them to prove you owe the debt they state you do. The only time you shouldn’t do this is when:

  1. They already sent proof with the LBA
  2. Your debt is too old to be collected anyway (see the section below)

Kearns is obligated to show you evidence that you owe the money before you have to pay. This evidence should be a signed agreement or contract when relevant. For example, if they’re chasing a credit card debt, they should provide you with the credit agreement that you defaulted on. 

You don’t need to pay until they supply this, and if they ignore your request you can ignore their future letters until they supply proof. If the matter was to go to court, you should then show the judge you asked for proof which wasn’t acknowledged. This means you should keep a copy of your prove the debt letter.

Or tell them your debt is statute-barred

Alternatively, you should tell them that the debt is too old to be collected if that’s true. Many UK debts cannot be collected because they cannot be taken to court after six years. This is called a statute barred debt.

You should check to see if your debt qualifies as statute-barred by reading our detailed guide, and getting a second opinion from a debt charity. And then tell Kearns if it has become too old to be collected. 

Kearns Solicitors proved I owe the debt – should I pay?

If Kearns Solicitors prove you owe the debt then you should probably pay. Not doing so could end in legal action and further expense for you. 

Need personalised support with a Kearns Solicitors debt?

Personalised support dealing with Kearns Debt Recovery can be accessed for free with Citizens Advice and charities. Or you can brush up on your knowledge further by visiting our online debt help centre.

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring