Commercial Debt Recovery Specialists for UK Businesses

How we help with business debt recovery

Commercial debt recovery is about more than chasing money. It is about protecting working capital, maintaining commercial credibility, and resolving disputes without damaging future trade.

Whether you are dealing with:

• Overdue invoices
• A large outstanding debt
• A debtor refusing to pay the amount owed
• Instalment agreements that have failed
• A long-running debt recovery case

We act quickly and commercially.

What is Commercial Debt Recovery?

In simple terms, recovery is the process of pursuing payment of money lawfully due under a business-to-business contract.

The debt recovery process typically includes:

• Reviewing contractual entitlement
• Issuing a formal demand or letter before action
• Negotiating payment
• Agreeing structured repayment (if appropriate)
• Escalating to legal proceedings where necessary

Not every case requires court. In fact, most commercial debts resolve before formal litigation.

Who We Work With

We support:

• SMEs
• Construction Firms
• Manufacturers and suppliers
• Sole traders acting in a business capacity
• National Companies
• Professional Service Providers
• Consultants and agencies
• We do not deal with consumer credit or personal debts. Our focus is strictly B2B.

Our Debt Recovery Process

We follow a structured, commercial model designed to protect your position while maximising recovery.

1. Case Review

Every debt recovery case begins with a review of:

• The contract or terms
• Invoice details
• Payment history
• Any dispute raised

We confirm the enforceability of the amount owed before action begins.

2. Formal Demand & Letter Before Action

Where appropriate, we issue a formal demand and, if required, a professionally drafted letter before action.

This clearly states:

• The principal debt
• Any interest due
• The deadline for payment
• The intention to commence legal proceedings if unpaid

This step often prompts payment.

Where applicable, creditors may rely on the Late Payment of Commercial Debts (Interest) Act 1998 to claim statutory interest and compensation.

3. Negotiation & Payment Plans

If the debtor engages but cannot pay immediately, we negotiate:

• Short-term instalment plans
• Structured lump-sum arrangements
• Commercial settlement agreements

Our focus is on securing realistic recovery without unnecessary delay.

4. Escalation to Legal Proceedings

If voluntary resolution fails, escalation may be appropriate.

Legal escalation can include:

• Issuing a claim
• Seeking a county court judgment
• Enforcing judgment
• Serving statutory demands where insolvency risk exists

Court proceedings are governed by the Civil Procedure Rules.

Where formal litigation is required, we introduce clients to independent specialist debt recovery solicitors.

We are not a law firm and do not conduct reserved legal activities.

Enforcement Action

Obtaining a judgment is not always the end. If a debtor fails to comply with a county court judgment, enforcement options may include:

• Warrant of control
• High Court enforcement
• Charging orders
• Third party debt orders
• Insolvency action

Where appropriate, enforcement may involve authorised enforcement officers associated with the High Court Enforcement Officers Association.

FAQ

Many businesses consider going straight to solicitors. However, for straightforward and undisputed debts, starting with a specialist debt recovery service can often be more cost-effective.

Benefits include:

• No collection, no fee structure
• Commercial negotiation first
• Reduced upfront legal costs
• Escalation only when needed
• Preservation of business relationships

In many cases, recovering debts at the pre-legal stage avoids the time and expense of full litigation.

You should consider recovery action where:

• Invoices are more than 30 days overdue
• Payment promises have been broken
• A debtor has stopped responding
• A large outstanding debt threatens liquidity

The older a debt becomes, the harder it can be to recover.

Early intervention increases the likelihood of success.

No. We act as agent for the creditor. The contract remains between you and your customer.

We do not conduct litigation ourselves. If court action is required, we refer you to independent debt recovery solicitors from our network. You are not required to use the services of the solicitors we refer you to and we recommend that you do your own reseach on debt recovery solicitors. We may receive a fee if you proceed with the law firm we refer you to.

We assess the dispute and advise whether negotiation, mediation, or legal action is appropriate.