Commercial Debt Recovery.

1. Initial Review & Instruction:

We assess the debt, confirm details, review documentation and calculate interest where applicable.

2. Letter Before Action (LBA):

A formal notice is issued to the debtor, outlining the sum owed, deadline for payment and intention to take legal action if unresolved.

3. Negotiation & Resolution Attempts:

Our team makes contact to encourage settlement and seek an amicable outcome that preserves business relationships where possible.

Escalation if Unpaid:

If no payment is received, we advise on the most appropriate legal remedy – County Court Judgment, Statutory Demand or enforcement.

Enforcement / Insolvency Action:

Where required, we can support escalation to High Court enforcement or insolvency proceedings to secure payment.

What Happens if Escalation is Needed?

If voluntary payment isn’t made following the Letter Before Action, we may recommend escalating the matter through formal recovery routes. There are two primary legal pathways that can be used to apply pressure and secure a legally enforceable outcome. We will assess your case and advise which method is most appropriate based on the circumstances, value of the debt and the debtor’s position.

The options are:

1. County Court Judgment (CCJ)

• Used when payment is not made following LBA
• A money claim is issued to obtain a Money Order
• The order can be transferred to the High Court for enforcement via a Writ of Control
• Once issued, our Enforcement Agents, overseen by an Authorised High Court Enforcement Officer, can enforce the judgment
• CCJs are registered with the Registry Trust, impacting the debtor’s credit profile.

2. Statutory Demand (Pre-Insolvency Action)

• A formal written demand requiring payment within 21 days
• Used for undisputed debts only
• Thresholds: £750+ for company debt, £5,000+ for individuals
• Often the final step before bankruptcy (individuals) or winding-up petitions (companies)
• Prepared by solicitors and personally served by our agents
• After service, you receive a full report, certificate of service & photographic evidence