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  4. Debtors and debt management

Debtors and debt management

When debts begin to mount up, you can find that several companies are asking you for money at once.

Dealing with demands from several creditors (people you owe money to) can be stressful and you may be confused about who to pay first. At Smith Roddam Solicitors, our expert solicitors will make the situation easier by helping you put a practical debt management plan in place.

We can talk to your creditors on your behalf - putting an end to daily calls and demands. We can contact your creditors to explain the situation and agree with them the amounts you can afford to pay. When you’re facing financial problems, we explain all of the options that are available to you from bankruptcy to individual voluntary arrangements (IVAs). We may also be able to get the debts written off or rescheduled.

Simply talking to a professional about your debt problems can be a huge weight off your mind. When you talk to Smith Roddam Solicitors, our experienced and friendly lawyers will put you at ease and work to find a solution that helps you get your finances and your life back on track. With our free initial assessment promise you can talk to us with no obligations, so for confidential help and advice about debt management, call us on 01388 881 611.

Team members

Neil Thompson
Partner
Bishop Auckland
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Philip Wills
Solicitor
Bishop Auckland
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Debt

When you’re struggling to deal with debt, it’s easy to feel out of control. The first step to getting back on track is to ask for help.

Bailiffs

When struggling with debt, many people worry about bailiffs visiting their home. And if you’ve been threatened with bailiff action, it can feel intimidating. The good news is that, like any other profession, bailiffs have a code of conduct that they must abide by and they have a duty to treat you fairly. At Smith Roddam Solicitors we can help ensure this happens.

Bankruptcy

If you owe money that you cannot pay, you may decide to declare yourself bankrupt. In some situations, if you owe £750 or more, the people you owe money to may apply to make you bankrupt. Becoming bankrupt is often seen as a last resort but, for some, bankruptcy can be a relief – putting an end to months or years of financial uncertainty.

County court judgments

If you have been unable to pay debts that you owe, the companies you owe money to can take court action against you. If you still fail to pay, you may receive a county court judgment (CCJ).

Debtors and debt management

When debts begin to mount up, you can find that several companies are asking you for money at once.

Mortgage fraud

Investigations into mortgage fraud have risen in recent years in response to tighter regulations on mortgage lenders. As a result, more individuals may find themselves affected by mortgage fraud.

Small claims court

If you owe money to a person or company and have been unable to pay, they may take legal action and use the small claims procedure to recover the money from you.

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