Unpaid invoices drain your time, your energy, and your cash flow. You’ve done the work, delivered the goods, or provided the service, and now you’re chasing money that’s rightfully yours.
We get it. As business owners ourselves, we understand how frustrating it is when customers don’t pay. Our debt recovery solicitors help businesses across Wales and the UK get paid quickly and cost-effectively, so you can focus on running your business instead of chasing debtors.
Get a free, no-obligation chat with our debt recovery team team, call us on 02920 829 100 or use our Contact us form.
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Late payments hurt. They disrupt your plans, strain your finances, and create unnecessary stress. And the longer a debt goes unpaid, the harder it becomes to collect.
Here’s the good news: a letter from a solicitor often prompts payment where your own chasing has failed. Many debtors who’ve ignored your emails and phone calls will suddenly find the money when they realise you’re serious about taking legal action.
Our debt recovery team combines the persistence of a collection agency with the legal expertise of a commercial law firm. We pursue debts at every stage, from initial demand letters through to court proceedings and enforcement, always with a clear eye on whether the cost of recovery makes commercial sense.
Under the Late Payment of Commercial Debts Act 1998, you can claim 8% interest above the Bank of England base rate on overdue commercial invoices, plus fixed compensation of £40 to £100 depending on the debt size.
Need to recover a debt? Get a free, no-obligation chat with our debt recovery team team, call us on 02920 829 100 or use our Contact us form.
Often, a formal solicitor’s letter is all it takes. We draft and send a Pre-Action Protocol-compliant letter demanding payment within the required timeframe. This puts the debtor on notice that you’re prepared to go to court, and many pay up at this stage to avoid further action.
Before issuing proceedings, we pursue the debt through structured follow-up: phone calls, emails, and additional letters. This persistent but professional approach often recovers money without the need for court involvement, keeping costs down for everyone.
When a debtor won’t pay despite our demands, we issue a County Court claim on your behalf. For undisputed debts, this is often straightforward. We handle the paperwork, serve the claim, and obtain judgment. Many debtors pay once they see a court claim heading their way.
Sometimes debtors dispute what they owe. If your claim is contested, our commercial litigation team handles the defence, advise on the merits, and represent you through to trial if needed. We’ll give you honest advice about whether it’s worth pursuing once we have seen the defence.
A County Court Judgment is just a piece of paper unless you can enforce it. We advise on the best enforcement route for your situation: High Court Enforcement Officers, attachment of earnings, third party debt orders, charging orders on property, or insolvency proceedings.
For debts over £750 (companies) or £5,000 (individuals), serving a statutory demand can be highly effective. If the debtor doesn’t pay or reach a settlement within 21 days, you can petition for their winding up or bankruptcy. The threat alone often prompts payment.
Prevention is better than cure. We can also review your terms and conditions, advise on credit checking procedures, and help you set up systems that reduce the risk of bad debts in the first place. Good contracts make debt recovery easier if it ever becomes necessary.
You won’t be passed around departments or stuck waiting for call-backs. You’ll have direct access to the person handling your matter, including their mobile number and email. When you need an update or want to discuss strategy, you can reach us straight away.
Debt recovery sometimes raises wider issues: employment disputes, contract problems, or insolvency questions. Our solicitors share knowledge across departments and can bring in colleagues when needed. You get rounded advice that covers all the angles.
Devolved decision-making means we don’t need multiple sign-offs to move your matter forward. We can act quickly when speed matters, whether that’s serving a statutory demand before a debtor tries to hide assets or issuing legal proceedings to beat a limitation deadline.
We invest in getting to know our clients. Many of our debt recovery clients come back to us repeatedly because we understand their business, their typical debtors, and their commercial priorities. We’re not just processing claims; we’re helping you maintain healthy cash flow.
Not every debt is worth pursuing. We’ll tell you honestly if the cost of recovery is likely to exceed what you’ll get back, or if the debtor’s financial position makes collection unlikely. You get clear options with realistic assessments, not false hope.
We’re the leading commercial law firm with offices in South and North Wales offering Welsh language debt recovery services. If your debtor is Welsh-speaking and you want correspondence handled in Welsh, we can do that. It’s part of who we are.
You tell us about the debt and send us relevant documents: invoices, contracts, correspondence with the debtor. We assess the claim, advise on the best approach, and give you a clear indication of costs and likely timescales.
We send a formal demand letter giving the debtor a set period to pay (usually 14-30 days depending on whether they’re a business or individual). This letter complies with the Pre-Action Protocol and warns of court proceedings if payment isn’t made.
If the debtor doesn’t pay immediately, we follow up. Sometimes this leads to a payment plan or negotiated settlement. We’ll discuss any offers with you and advise whether they’re worth accepting.
If the debtor still won’t pay and the debt is undisputed, we issue a County Court claim. Most undefended claims result in judgment within 6-8 weeks. If the debtor defends, we advise on next steps and handle the litigation.
Once you have a judgment, we pursue enforcement. The right method depends on the debtor’s circumstances: their assets, employment status, and whether they’re an individual or company. We advise on the most effective route and handle the process.
Once money is recovered, we account to you and close the file. If full recovery isn’t possible, we advise on whether further action is worthwhile or whether it’s time to write off what remains.
In most cases, you have six years from the date payment was due to bring a court claim. After that, the debt becomes “statute barred” under the Limitation Act 1980, and can’t be enforced through the courts. Even if the debt is less than six years old, don’t leave it too long to take action, as debts become harder to collect the older they get, and debtors’ circumstances can change.
It depends on the amount and whether you can recover your costs. For commercial debt recovery, the Late Payment Act lets you claim interest and compensation, which can make pursuing even smaller debts worthwhile. We’ll give you honest advice about whether the numbers stack up.
This legislation gives businesses a statutory right to charge interest on overdue commercial invoices at 8% above the Bank of England base rate. You can also claim fixed compensation (£40 for debts under £1,000, £70 for debts up to £10,000, £100 for larger debts) plus your reasonable recovery costs. These rights apply automatically to business-to-business contracts unless you’ve agreed different terms.
If the debtor has a genuine dispute about what they owe, the matter may need to be resolved through litigation. We’ll assess the strength of their defence and advise whether it’s worth proceeding. Sometimes disputes can be settled through negotiation; other times a court needs to decide.
Several enforcement methods are available: High Court Enforcement Officers can seize goods, attachment of earnings deducts money from wages, third party debt orders freeze bank accounts, and charging orders secure the debt against property. For larger debts, statutory demands and insolvency proceedings can be highly effective. The best method depends on the debtor’s circumstances.
For commercial debts, the Late Payment Act allows you to recover reasonable debt recovery costs. If you go to court, a successful claimant usually recovers fixed costs (for smaller claims) or a proportion of actual costs (for larger claims). We structure our work to maximise what you can recover.
A statutory demand is a formal notice requiring a debtor to pay within 21 days. If they don’t pay or reach an agreement, you can petition for their bankruptcy (individuals owing over £5,000) or winding up (companies owing over £750). The threat of insolvency is often enough to prompt payment, even from debtors who’ve ignored everything else.
It varies. Some debtors pay immediately on receiving a solicitor’s letter; others fight all the way to enforcement. A straightforward undefended claim typically takes 8-12 weeks from Letter Before Action to judgment. Enforcement adds further time depending on the method used. Defended claims can take 6-12 months or longer.
If a debtor genuinely has no assets and no income, recovery may not be possible regardless of whether you have a judgment. We can carry out checks before recommending action to avoid throwing good money after bad. Sometimes the right answer is to write off the outstanding debt and focus your resources elsewhere.
Yes, though international debt recovery has additional complexities. The approach depends on where the debtor is based, what your contract says about jurisdiction, and whether any international agreements apply. We can advise on options and refer you to lawyers overseas if needed.
Debt recovery agencies can send letters and make phone calls, but they can’t issue court proceedings without instructing a solicitor. Using solicitors from the start means a seamless process if legal action becomes necessary, and a letter from a law firm often carries more weight than one from a collection agency.
For debts under £10,000, you can issue a claim yourself through the Small Claims Court. It’s designed to be accessible without legal representation. But even in smaller claims, a solicitor can help you prepare a strong case, navigate procedure, and handle any complications. For larger debts or complex situations, legal support is strongly recommended.
9 Cathedral Road, Cardiff, CF11 9HA
Unit F12, InTec, Ffordd y Parc, Parc Menai, Bangor, LL57 4FG
We help businesses throughout Wales and across the UK recover money they’re owed. Whether you’re in Cardiff, Wrexham, London, or anywhere else, we can act for you. Most debt recovery work can be handled efficiently by phone, email, and video call.
Chasing unpaid invoices is frustrating and time-consuming. Let us handle it instead.
We’ll review your situation, explain your options, and give you honest advice about whether the debt is worth pursuing and how best to go about it. Many debts are recovered with a single letter. Others need court action. Either way, you’ll know where you stand.
Call us on 02920 829 100 or use our Contact us form for a free, no-obligation chat about how we can help you get the money you’re owed.
To speak to one of our experts today, please contact us on 02920 829 100 or by using our Contact Us form for a free initial chat to see how we can help.
02920 829 100 
