Genuine No Win, No Fee Business Debt Recovery
Submit your unpaid B2B debt for a free assessment. General collection work is handled on a genuine no win, no fee basis, with no setup fee or routine administration charge. We confirm the applicable commission and explain any proposed escalation costs before action begins.
A recovery model aligned with getting your business paid
The objective is straightforward: assess viability first, avoid unnecessary upfront cost and link our general collection fee to successful recovery.
No recovery, no payment
If general collection activity does not recover money, our recovery commission is not payable.
Viability reviewed first
We review the debt, debtor position, evidence, potential distress and realistic recovery routes before recommending action.
Check recovery viability →Commission confirmed upfront
The applicable recovery commission is agreed before collection activity starts, so the commercial position is clear.
No unexpected formal action
Letters, court action, enforcement or insolvency-related routes are not progressed without explanation and client approval.
Review escalation costs →How our no win, no fee commission works
HK Commercial Debt Recovery does not charge merely to open a file, review documents, create an account or carry out routine collection activity.
For general business debt recovery, an agreed commission becomes payable from money successfully recovered. The rate is confirmed before action begins and reflects the circumstances of the instruction.
- No setup fee to submit the debt
- No administration fee for opening the case
- No routine charge for telephone and written collection activity
- No recovery commission if no money is recovered through general collections
- The applicable commission is agreed before we begin
A recently overdue invoice owed by an active business has a different recovery profile from an aged, disputed or distressed debt. A free assessment allows the fee and route to be proportionate rather than based on a generic one-size-fits-all price.
VAT: Where applicable, VAT will be charged at the prevailing rate. Any applicable VAT will be clearly identified and agreed before recovery activity begins.
What happens when ordinary collection activity is not enough
General collections remain distinct from formal legal, enforcement and insolvency-related action. Any proposed escalation is reviewed for commercial viability and explained before you decide whether to proceed.
Letter Before Action
A formal pre-action demand may be recommended where the debt remains unpaid and escalation is justified.
View LBA guidance →Statutory Demand
This may be considered for qualifying undisputed debts where the debtor and circumstances make the route appropriate.
View statutory demand guidance →County Court Claim
Court proceedings may be recommended where the evidence, debt value and likely enforcement prospects support action.
View court claim guidance →Enforcement
Where judgment exists and recovery prospects remain viable, an appropriate enforcement route may be considered.
View enforcement guidance →Funded escalation on qualifying cases
Letters Before Action, Statutory Demands, County Court Claims and High Court Enforcement may be funded on qualifying matters. Funding is assessed case by case and is not automatic.
Before formal action, we explain the proposed route, what funding includes, any applicable deductions or charges, the likely commercial risks and any costs that may remain payable.
| Assessment | We consider the debt, evidence, debtor position, proportionality and likely recovery prospects. |
|---|---|
| Recommendation | You receive a reasoned recommendation rather than automatic escalation. |
| Cost explanation | Any proposed funding, court fee, third-party charge or success-related deduction is explained before approval. |
| Client approval | No formal legal, enforcement or insolvency-related action is commenced without your authority. |
If the evidence, debtor position or recovery prospects do not support further action, we will explain that rather than recommend unnecessary cost or activity.
Interest, compensation and recoverable costs
Depending on the contract and the circumstances of a qualifying B2B debt, interest, fixed compensation or certain recovery costs may be claimable from the debtor.
These amounts are assessed as part of the case review
The ability to claim additional sums depends on matters including the contractual terms, the nature of the transaction, the parties involved and the recovery route used.
We will identify potential additions during the assessment and explain what may reasonably be pursued. This page provides general information and is not legal advice.
Check interest and compensation →What you will know before authorising action
The assessment is designed to remove uncertainty and give you a clear commercial basis for deciding how to proceed.
- Whether the debt appears suitable and commercially viable to pursue
- The recommended initial recovery strategy
- The commission applicable to successful general collections
- The likely stages and expected progression of the matter
- Whether formal escalation may become appropriate
- Whether funded escalation may be available
- Any material third-party, court or enforcement costs requiring approval
- How progress and weekly case updates will be communicated
Common questions before instructing us
These answers clarify the main pricing distinctions between assessment, general collection activity and formal escalation.
Is the initial debt assessment free?
What does genuine no win, no fee mean?
Are there setup or administration fees?
Why is there no standard commission rate on the page?
Does no win, no fee include court and enforcement action?
Can action start without my approval?
Compare the routes that may affect cost and recovery
Use these guides and decision pages to understand the available options before deciding how to proceed.
Formal recovery routes
Suitability checks
Decision tools and support
Find out what recovery would cost on your case
Submit the debt details and supporting documents for a free assessment. We will review viability, explain the proposed route and confirm the applicable pricing before recovery activity begins.
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