Recover unpaid business debts with a clear, practical plan
If another business has not paid, we assess the debt, explain your options and pursue the most commercially sensible route to recovery.
Do you have a business debt worth pursuing?
We work only with business-to-business debts. Use these points to see whether your case is suitable for a free assessment.
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 to know what is realistic before spending more time or money.
Practical debt recovery for UK businesses
HK Commercial Debt Recovery is a trading name of HK Credit Services Ltd. We help businesses recover unpaid invoices, overdue accounts and other commercial debts when direct chasing has not worked.
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.
You should know whether recovery is commercially worthwhile
We do not recommend action for the sake of it. We focus on 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 next step
Start with a free review. We assess the case and explain the most suitable route before recommending formal action.
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.
We explain your options
We explain the recommended route, key risks and any agreed fees or third-party costs before you decide.
Recovery begins
Once instructed, we pursue payment and provide clear updates on activity, responses and next steps.
Focused on recovery, not unnecessary action
You receive clear advice, proportionate action and updates that keep the focus on recovering what you are owed.
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 you can expect from us
- 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 check before recommending a recovery route
The right recovery route depends on liability, evidence, solvency, proportionality and whether any outcome is likely to be enforceable.
We explain the available options and the commercial reasons for choosing, delaying 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
Your reputation and information are handled carefully
When we contact another business on your behalf, your reputation matters. 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.
Review your options before deciding what to do
These guides explain common recovery routes, suitability checks and calculations for UK business debts.
Recovery routes
Decision support
Calculators and support
Find out what your next recovery step should be
Send us the case for a free initial assessment. We will review the 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.