We manage the recovery work behind unpaid business debts
Give us the debtor, balance and supporting documents. We review the case, contact the debtor, manage responses and negotiations, and recommend escalation only when the facts justify it.
What information helps us decide how to handle the debt?
Our first review is operational: we establish what is owed, who is responsible for paying it, what has already happened and what evidence supports the position.
We identify the principal debt, invoice dates, credits, part-payments and any interest or compensation that may be relevant.
We confirm the correct business entity, trading details, contact points and any known changes in company or insolvency status.
We review reminders, promises to pay, disputes, previous arrangements and any collection or legal steps already taken.
We use the available contract, invoices, orders, statements, delivery evidence and correspondence to assess the recovery position.
What we do on a commercial debt recovery case
Our role is to manage the practical collection activity, debtor communication and escalation decisions needed to move an unpaid account towards resolution.
We contact the debtor and manage the payment conversation
We pursue unpaid invoices and overdue account balances by telephone and in writing, identify the person responsible for payment and establish what is preventing the account from being settled.
- Telephone and written business debt collection
- Director, finance-team and decision-maker contact
- Payment commitment and settlement negotiation
- Payment-plan monitoring and follow-up
- Dispute identification and response management
- Debtor tracing or further checks where appropriate
We assess and coordinate the next formal step when collection stalls
If ordinary collection does not resolve the account, we review whether a formal route is commercially justified and coordinate the next stage once you approve it.
- Final demands and Letters Before Action
- Statutory demand assessment and coordination
- County Court claim preparation and referral
- High Court enforcement referrals
- Winding-up petition support where appropriate
- Solicitor instruction and case coordination
- Insolvency claims and creditor support
How recovery activity moves from review to resolution
Once we have the case information, the work centres on establishing the position, creating contact, managing responses and deciding whether further action is commercially justified.
Build the case file
We organise the balance, debtor details, supporting documents, contact history and any previous promises or disputes.
Open debtor contact
We begin structured telephone and written contact, identify the payment issue and seek a clear response or commitment.
Manage the response
We follow payment commitments, negotiate where appropriate and deal with disputes, delays or changes in the debtor’s position.
Decide the next action
If payment is still unresolved, we assess whether escalation, continued collection or closure is the most proportionate course.
Collection fees are tied to recovery, while escalation costs are agreed separately
There is no charge to send us a case for assessment. General collection commission is earned from money recovered under the agreed terms; external or formal-action costs are dealt with before they are incurred.
Assessment first
You can provide the debt details and documents for review without paying a setup or case-opening fee.
Commission follows recovered money
For general collection work, the agreed commission applies to funds recovered rather than to routine calls, letters or administration.
Escalation has a separate decision point
If a court, solicitor, insolvency or enforcement route carries an additional cost, we explain it before you authorise that stage.
What do we assess while deciding how to pursue the debt?
A case can change as new information appears. We look at the commercial and evidential factors that affect how much pressure to apply, whether to negotiate and whether escalation is likely to improve the outcome.
Liability and dispute position
We distinguish a straightforward unpaid balance from a case involving contractual arguments, credits, performance issues or a genuine dispute.
Debtor status and payment behaviour
We consider company status, broken promises, payment patterns, distress indicators and any information suggesting that time or solvency is becoming material.
Proportionality of the next step
We weigh the likely recovery benefit against cost, delay, enforceability and the practical consequences of moving to a more formal route.
Which recovery route may be suitable?
Use these guides and tools to compare the available routes, check whether they may be suitable and understand what information you will need.
Formal recovery routes
Suitability checks
Practical tools
One case file, with collection activity and escalation decisions kept connected
We keep the practical recovery work, debtor responses and next-step decisions in one managed workflow so that action is based on the latest position rather than treated as a series of disconnected tasks.
- Case information reviewed before contact begins
- Telephone and written activity managed through the same recovery plan
- Promises, disputes and payment arrangements tracked as the case develops
- Material debtor responses reflected in the next action
- Formal routes considered only when ordinary collection is no longer enough
- Third-party legal or enforcement activity coordinated where required
- Progress and next steps reported back to you throughout the case
Send the case information and we will map the recovery work
Provide the essential debt details and the documents you have. We will establish the current position, identify the immediate collection work and explain any issue that could affect recovery.
You do not need to select a legal or enforcement route in advance. We assess that only if the case reaches the point where escalation needs to be considered.
Send us the debt and we will assess what work it needs
Provide the balance, debtor details and supporting documents. We will review the case, identify the immediate recovery actions and explain any later escalation point before it is reached.
B2B debts only. Sending us a case does not authorise legal, insolvency or enforcement action.