Recover unpaid business invoices with a clear commercial strategy
HK Commercial Debt Recovery helps UK businesses recover overdue invoices and business-to-business debts through free case assessment, genuine no win, no fee collections and proportionate escalation where required.
Is your unpaid business debt suitable for recovery?
We work exclusively on commercial debts owed by businesses. Use these criteria to decide whether to send the case for a free review.
The creditor and debtor are businesses and the balance arises from commercial trading.
The invoice or account is due, and ordinary reminders have not secured payment.
Invoices, contracts, orders, statements, delivery records or correspondence support the claim.
You want a realistic route based on prospects, cost, debtor status and commercial proportionality.
Commercial debt collection and negotiation
We pursue unpaid invoices and overdue account balances through structured telephone and written recovery activity. The aim is to establish contact, identify the reason for non-payment and secure payment without unnecessary escalation.
- Telephone and written business debt collection
- Director and decision-maker engagement
- Settlement and payment-plan negotiation
- Dispute identification and resolution support
- Debtor tracing and investigations where appropriate
- Recovery strategy based on the debtor and evidence
Formal recovery and enforcement routes
Where standard collections are insufficient, we can support an appropriate formal route. The recommendation depends on whether the debt is disputed, the debtor’s status, available evidence and the likely recovery benefit.
- Final demands and Letters Before Action
- Statutory demands
- County Court claims
- High Court enforcement referrals
- Winding-up petition support
- Solicitor instruction and case management
- Insolvency claims and creditor support
From unpaid invoice to a recommended recovery route
You provide the core debt information once. We review the case, explain the recommended route and keep you informed as recovery progresses.
Submit the debt
Provide debtor details, the amount owed and the key supporting documents.
Free assessment
We review evidence, dispute status, company position, distress indicators and recovery prospects.
Recovery begins
Approved cases move into structured collection, negotiation and debtor engagement.
Escalate if justified
Formal action is recommended only where it is proportionate and separately authorised.
Genuine no win, no fee business debt recovery
General collection activity is structured around money recovered, rather than setup charges or routine activity fees.
No setup fee
There is no fee simply to submit a debt or request an initial recovery assessment.
No recovery, no collection fee
General collections are conducted on a genuine no win, no fee basis under the agreed case terms.
Escalation agreed first
Any external court, solicitor, insolvency or enforcement cost is explained and authorised separately before it is incurred.
Debt value matters, but recovery prospects matter more
We assess debts of different values based on documentation, dispute position, debtor activity, solvency indicators and the practical opportunity to recover payment.
Overdue invoices
Single or multiple unpaid invoices where reminders and internal chasing have not produced payment.
High-value commercial debts
Significant balances that require structured strategy, senior engagement and controlled escalation.
Complex account balances
Cases involving payment plans, partial disputes, multiple invoices, contract issues or insolvency concerns.
Understand the available business debt recovery options
Use these pages to compare formal routes, test suitability and prepare the information needed for a recovery decision.
Formal recovery routes
Suitability checks
Practical tools
A commercially proportionate recovery service
Debt recovery should improve the creditor’s position, not create avoidable cost or activity. We review viability first, explain the route and separate routine collections from any formal escalation decision.
- Exclusive focus on UK business-to-business debts
- Free assessment before recovery starts
- Genuine no win, no fee general collections
- No setup or administration fees
- Weekly case updates
- Clear escalation roadmap
- CICM-qualified commercial credit expertise
Start with a free recovery review
Submit the essential debt details and available documents. We will assess the debtor, evidence, dispute status, distress indicators and likely route before confirming whether the case is suitable.
You do not need to select a legal route before submitting the debt. The purpose of the assessment is to identify the most proportionate next step.
Ready to recover an unpaid business debt?
Send the debt details and supporting documents for a free commercial recovery assessment. We will review viability and explain the recommended route before action begins.
B2B debts only. Submission does not authorise formal legal or enforcement action.