Business Debt Recovery
Recover unpaid business debts without the upfront risk
HK Commercial Debt Recovery helps businesses throughout the UK recover unpaid invoices, overdue accounts and business-to-business debts where internal chasing has not produced payment.
Our approach is built around four clear commitments: genuine no win, no fee business debt recovery, a free recovery assessment, a clear escalation roadmap and weekly case updates.
We assess the debtor, the debt, company status, recovery prospects, signs of distress and available recovery routes before recommending action.
We may be suitable if:
- You are owed money by another business
- The invoice or account is overdue
- You have already tried chasing payment
- You want to know if recovery is viable
- You want genuine no win, no fee recovery
- You want structured updates and clear next steps
Built around recovery, not activity fees
Many providers charge for setup, administration, letters, chasing or each stage of escalation. Our model is designed to align our interests with yours.
No recovery, no payment
No setup fees, no admin fees and no charging for routine business debt recovery activity simply to generate revenue. If we do not recover money, you do not pay.
We assess viability first
We review the debt, debtor status, recovery prospects, signs of distress and possible recovery opportunities before recommending action.
Clear route and timescales
You receive a clear recovery route setting out the stages, process and likely timescale before escalation is recommended.
No chasing for updates
We update you on actions taken, debtor communications and our planned next steps for the following week.
Know whether recovery is worth pursuing before committing
Not every debt is commercially worth pursuing. If the matter appears unlikely to recover, we will be direct rather than encourage unnecessary action.
Is payment realistic?
We assess the debt age, debtor behaviour, dispute position, previous chasing and the strength of the supporting evidence.
Can the debtor pay?
We consider company status, potential assets, trading position, signs of distress and recovery opportunities.
What should happen next?
We explain whether negotiation, formal demand, court action, enforcement, insolvency action or no further action is most appropriate.
HK compared with many traditional agencies
The difference is not just that we recover debts. It is how we assess, communicate, escalate and align our fees with successful recovery.
Clear stages before action is taken
You should understand the proposed route before recovery action begins. We explain what happens next, why it is appropriate and what the likely timescale looks like.
Assessment
Debt, debtor status, documentation, dispute position and recovery prospects are reviewed.
Business debt recovery
Debtor contact, written recovery communications, settlement discussions and payment negotiations.
Formal escalation
Final demands, Letters Before Action, Statutory Demands or County Court Claims where appropriate.
Enforcement
High Court Enforcement, Winding-Up Petitions or insolvency-related action where suitable.
General collections are handled on a genuine no win, no fee basis. Letters Before Action, Statutory Demands, County Court Claims and High Court Enforcement may be funded on qualifying cases. We will confirm clearly what is included before escalation begins.
Clear communication throughout the recovery process
Business debt recovery can be frustrating when you do not know what is happening. Our update process is designed to keep you informed.
What we have done
We summarise the recovery activity completed, including contact attempts, correspondence and escalation steps.
What the debtor has said
We update you on debtor responses, disputes, payment proposals or lack of engagement.
What happens next
We explain our plan for the following week or weeks, including whether escalation is being considered.
UK business debt recovery from unpaid invoice to enforcement
Each case follows a strategy based on the debtor, the evidence and the recovery prospects, not a rigid template.
Unpaid invoices and overdue accounts
Professional support for business-to-business debts, account balances, debtor contact and payment negotiation throughout the UK.
Formal recovery action
Letters Before Action, Statutory Demands, County Court Claims and legal recovery routes where appropriate.
When stronger action is needed
High Court Enforcement, Winding-Up Petitions and insolvency-related recovery options where suitable.
Support for UK business debts of all sizes
Whether pursuing a smaller overdue invoice or a high-value commercial debt, each case is reviewed based on the evidence, debtor position and prospects of successful recovery.
Up to £10,000
Overdue invoices and smaller business debt recovery matters.
£10,001 – £25,000
Business debts requiring structured recovery action.
£25,001 – £100,000
Matters requiring careful strategy and escalation planning.
£100,000+
High-value cases where enforcement or insolvency routes may be considered.
A smaller debt with strong documentation and an active debtor may be more viable than a larger debt involving insolvency concerns, missing evidence or genuine dispute.
What clients usually want to know first
Will I pay anything if nothing is recovered?
No. Our general collections service is handled on a genuine no win, no fee basis. If we do not recover money, you do not pay our recovery fees.
Do you fund legal escalation?
Letters Before Action, Statutory Demands, County Court Claims and High Court Enforcement may be funded on qualifying cases. We are always clear about this upfront and will explain what is included before any escalation begins.
Do you charge setup, admin or routine chasing fees?
No. Our model is not based on charging for setup, administration or every step of routine UK business debt recovery activity.
What happens before action starts?
We complete a free recovery assessment covering the debt, debtor position, company status, recovery prospects, signs of distress and the most appropriate route.
Will you start legal action without approval?
No. Any escalation route is explained first, including stages and likely timescales. Action is not taken without appropriate approval.
How will I know what is happening?
We provide weekly case updates covering actions taken, debtor communications and planned next steps.
Commercial credit and recovery experience
HK Commercial Debt Recovery combines commercial credit expertise, legal recovery knowledge and insolvency experience to help businesses pursue debts through the most appropriate route.
Recovery routes
- County Court Claims
- High Court Enforcement
- Statutory Demands
- Winding-Up Petitions
Professional standards
- CICM-qualified expertise
- ICO registered
- Professional indemnity insurance
- Public liability insurance
Client communication
- Free recovery assessment
- Escalation roadmap provided
- Weekly case updates
- Direct advice where recovery is not viable
Find out if your debt is recoverable
Submit your debt details for a free recovery assessment. We will review the debtor, recovery prospects, signs of distress and recommended route before any action begins.
Submit a DebtWhat happens when a debt is submitted?
A clear process from initial submission through to recovery action, with each case reviewed before any escalation is recommended.
Submit your debt
Complete the online form with the debt details and supporting documents.
Case assessment
We review the debt and debtor position within one working day.
Recovery recommendation
We explain the most suitable recovery route before action is taken.
Recovery action
Action may include calls, letters, LBA, statutory demands, court claims or enforcement.
You receive payment
Recovered funds are remitted to you, with commission deducted only on successful recovery.