The Ultimate Guide to Debt Guard Solicitors

Have you been informed that you have a debt under your name? Unsure of what to do next?

Continue reading this ultimate guide to be 100% certain on how to react and what to do now.

Did You Know You Can Write Off Up To 85% Of Your Debts?

Do I Qualify?

Who are Debt Guard Solicitors?

Debt Guard Solicitors are a Southern Yorkshire-based debt collection group who collects unpaid invoices from residents in the UK.

Debt collection companies are known to pester, so do not be shocked if you get multiple calls and letters informing you are your debt you owe.

You might be confused as to why a company you have not heard of is demanding your money? In simple terms, Debt Guard will be collecting your money for one of their clients (that you will have heard of) and they will take a cut of the money so they can make a profit.

Who does Debt Guard collect for?

Although they don’t only collect for these clients, many of the companies they help to gain repayments from are:

  • Accountants
  • Financial Consultants
  • Catering Firms

Where do I start?

Firstly, you will receive a letter informing you of your debt. It is known that a letter from Debt Guard can be fairly intimidating as they state they would like the payment in full or they will take legal action.

Don’t fall for any traps. You should get in contact with Debt Guard as quickly as you can (and you don’t have to pay straight away in full, don’t worry!)

Now you should ask for them to prove your debt. If they do not send any proof of your debt, you legally do not have to pay a penny.

Asking for proof can also give you some more time for your payment.

Sometimes gaining proof can show that the debt is actually not yours and can relieve a lot of anxiety.

Is Debt Guard a legitimate company?

Debt Guard is part of Irwin Mitchell, which is the biggest full-service law firm in the country, so they can be heavily replied upon to be legitimate.

What is Debt Guard not allowed to do?

Debt Guard are legally not allowed to:

  • They can legally not take any of your personal possessions unless the court has told you to pay and you have not.
  • They can not force you to pay until they have sent proof.
  • If you have asked them to only call at a certain time, and they go against your wish, you can complain to the Ombudsman.

What if my debt is from years ago?

Depending on when your debt is from, you may not need to pay!

If your debt is over six years old this is classed as statute-barred, simply meaning that the debt is too old to go to court. When your debt is this old the court can not make a decision and therefore Debt Guard Solicitors can not send a bailiff to your home.

I can’t pay, what do I do?

If you can not pay, firstly you should still answer Debt Guards calls. Ignoring their calls can lead to extra expenses added to your original debt and you can be taken to court.

For people on a low income using debt order reliefs can be a good option to help you out.

If you contact Debt Guide Solicitors and discuss your current situation with them, they should try to understand and you can discuss a repayment plan.

Arranging a repayment plan can be very practical for many people as you can pay monthly instead of altogether.

Debt charities

If you need support with your repayment, contacting a debt charity can be extremely beneficial in downsizing anxiety.

Debt Charities you can reach out to:

  • Step Change
  • National Debtline
  • Business Debtline
  • Citizens Advice Bureau
  • Debt Support Trust Management
  • The Debt Advice Foundation
  • Christians Against Poverty

List of Debt Collection Agencies UK

Here is a list of all the debt collectors in the UK.