Introduction

At Croskerrys Solicitors, we understand that receiving a letter or legal notice can be a stressful experience. Our role as a legal debt recovery firm is to act on behalf of our clients - usually businesses, financial institutions, or service providers - to recover money owed under contracts, agreements, or court orders.

We are committed to dealing with all parties in a professional, respectful, and lawful manner. Based in Dublin, our experienced team provides clear guidance and support throughout the debt recovery process.

Why You May Have Been Contacted

You may have received communication from our Dublin office because a creditor has instructed us to recover an outstanding debt. This may relate to:

• An unpaid loan or credit facility
• Overdue invoices or accounts
• Outstanding rent or service charges
• A court judgment already obtained against you

It is important not to ignore correspondence from our firm. Taking early action may help you avoid further legal costs or enforcement proceedings.

What You Should Do

If you have received a letter, email, or call from our Dublin office:

1. Review the Correspondence Carefully
   Read through the documents provided. They will outline the amount owed, the basis of the debt, and the actions being taken (or proposed).
2. Contact Us Promptly
   We encourage all debtors to engage with us. Our Dublin-based team will explain your options and guide you through the next steps.
3. Seek Independent Advice if Needed
   You may wish to consult a solicitor or financial advisor to review your situation and assist you in responding.
4. Propose a Payment Solution
   If you acknowledge the debt but are unable to pay in full immediately, we may be able to arrange a structured payment plan on behalf of our client. This is assessed on a case-by-case basis, and you should complete the attached Statement of Means (SOM).

What Happens If You Do Not Respond

Failing to engage with us may lead to:

• The commencement or continuation of court proceedings
• Entry of a judgment against you
• Additional costs and interest being added to the original debt
• Enforcement actions such as wage/subsidy garnishment, publication of the debt, a Judgment Mortgage being registered against your property, seizure of goods, and/or Committal orders.

We Are Here to Assist

While we act on behalf of our clients, we will always treat you fairly and in accordance with all relevant regulations, including:

• The Code of Practice for Debt Collection (Central Bank of Ireland)
• Data Protection legislation
• Consumer Protection Codes (where applicable)
• Law Society of Ireland

If you are in genuine financial difficulty, please let us know. We will do our best to work with you or your representative to find a solution.

Contact Our Dublin Office

To speak with a member of our team, please use the contact details provided in your letter or visit our Contact Us page.

All discussions are treated confidentially and with sensitivity. Our Dublin office is here to help guide you through the debt recovery process.