Commercial debt recovery focused on getting your business paid
HK Commercial Debt Recovery helps UK businesses recover unpaid invoices and overdue business-to-business debts through free case assessment, clear advice and commercially proportionate recovery action.
Is HK Commercial Debt Recovery right for your debt?
We work exclusively with businesses owed money by other businesses. These points help you decide quickly whether to submit a case.
The creditor and debtor are businesses, and the amount relates to commercial trading.
Payment reminders or internal chasing have not resolved the outstanding balance.
Invoices, contracts, orders, statements, delivery records or correspondence support the debt.
You want a realistic assessment before spending further time or money on escalation.
Specialist UK commercial debt recovery
HK Commercial Debt Recovery is a trading name of HK Credit Services Ltd. We help companies recover unpaid invoices, overdue accounts and other commercial debts where direct requests for payment have not produced a satisfactory outcome.
Our work is grounded in commercial credit management and practical collections experience. We assess the debtor, evidence, dispute position, financial warning signs and likely recovery opportunities before recommending a course of action.
Depending on the case, the route may include telephone and written recovery, negotiation, payment plans, a Letter Before Action, a County Court claim, enforcement referral or another appropriate formal step.
Recovery decisions should be commercially sensible
Our objective is not to generate activity for its own sake. It is to identify the route most likely to produce a proportionate commercial result.
- Assess viability before recommending escalation
- Explain costs, risks and likely next steps clearly
- Keep clients informed without requiring repeated chasing
- Be direct where recovery prospects appear weak
- Protect time and cash from avoidable recovery activity
From unpaid invoice to a clear recovery plan
The first step is a free review. You receive a case-specific view before formal action is recommended.
Submit the debt
Provide the basic creditor, debtor, balance and document details through the secure instruction page.
We assess viability
We review the evidence, debtor position, dispute risk, warning signs and realistic recovery prospects.
You receive a route
We explain the recommended approach, relevant considerations and any agreed fees or third-party costs.
Recovery begins
Once instructed, we pursue payment and provide clear updates on activity, responses and next steps.
Aligned with recovery, not unnecessary activity
The service is designed to reduce uncertainty, simplify decisions and keep the focus on recovering money.
Genuine no win, no fee collections
General collection work is provided on a genuine no win, no fee basis under the agreed terms. Where no money is recovered, no collection commission is charged.
Formal legal, insolvency or enforcement routes can involve court fees, third-party charges or separate terms. These are explained before any such step is authorised.
What clients can expect
- Free initial commercial debt assessment
- No setup or administration fee for general collections
- Clear recommendation before escalation
- Proportionate action based on the case
- Regular progress and next-step updates
- Direct feedback where recovery appears uneconomic
- Access to legal and enforcement routes where suitable
What we consider before recommending action
Debt recovery is not simply a choice between sending another letter and issuing a claim. The correct route depends on liability, evidence, solvency, proportionality and the likely ability to enforce any outcome.
Our assessment is intended to identify both the available options and the commercial reasons for choosing—or avoiding—each one.
The review may include
- Debt value, age and limitation position
- Contractual terms and supporting documents
- Debtor responses, disputes and admissions
- Company status and signs of financial distress
- Potential assets and enforcement opportunities
- Previous collection and legal activity
- Likely cost, timing and proportionality
Professional commercial recovery with transparent controls
Trust matters when another business is being contacted on your behalf. Our service combines credit expertise, data-protection controls, insurance and clear contractual terms.
HK Commercial Debt Recovery is a trading name of HK Credit Services Ltd, Company No. 17265874, registered in England and Wales.
Research your options before taking the next step
These pages explain common recovery routes, suitability factors and calculations for UK business debts.
Recovery routes
Decision support
Calculators and support
Find out whether your business debt is recoverable
Send the case for a free initial assessment. We will review the available information and explain the recovery route that appears most commercially appropriate.
B2B debts only. No legal or enforcement action is authorised by requesting an assessment.