Thank. you for the question. It really comes down to a question of if you are liable for the sums being sought against you. If this is not the case and they look at court action, you can ,of course defend this action. However if you are liable for these fees but do not have the funds to clear the debt, you would have to try and come to an agreement with the creditor of the debt. If they take you to court and succeed in their claim, you would be liable for the debt and potentially the fees incurred in applying to the court. You do have the right to defend this claim.
I shall provide you with a helpful link that will assist you in finding a solicitor/representative near your local area. This will provide you with someone nearby your area who can assist you if required.
I hope this information proved helpful. You will find a local solicitor who deals with these matters on the law society webpage which is as follows;
https://www.lawsoc-ni.org/solicitors (N. Ireland)
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