Debt Recovery Services

Bad debts have an impact on cashflow and can affect business performance. Recent research found that the average bad written off by SME’s in 2024 was close to £40,000 in unpaid invoices in the previous 12 months. If your credit control procedures are losing the fight, then Essex Law can help. 

Any business has the right to be paid on time for the goods or services it has provided. If your customers fail to pay you Essex Law can recover the debt through the Courts.

Just like a business, as an individual you can be owed money too. Some example of personal debts are:

• Loan to an individual not repaid
• Proceeds from a sale not repaid
• Rent owed by a lodger that has moved out
• Wages not paid by an employer
• Deposit not returned
• Refund not provided
• Loan to a company and not repaid
• Bounced cheque

Our clients range from Individuals, SMEs and large companies across the country. We recover the debt through the Courts but always give the debtor the chance to pay first before taking Court action.

Essex Law – Debt Recovery Specialists

We assess each Claim individually and decide at the outset the quickest way to get your money back.

We will also assess your paperwork upon which the debt is based to see whether you are entitled to:

• Contractual interest and costs; or
• Statutory interest and costs; and
• Damages.

For Business to Business debt, pre-action letters will be sent giving the respondent 14 days in which to respond before we issue a Claim.

If we receive no response, we will issue a Claim at Court (post 14 days). We will talk you through each stage, updating you in relation to our fees and approximate timescales, requesting your instructions and act on them accordingly. 

For disputed claims, timescales can vary dependent upon Court action, Court backlog and opponents’ behaviour.  For unopposed Claims, Judgment can be obtained within 30 days.

For straight forward undisputed cases this work can be undertaken on a fixed fee basis. Examples of our costs are set out on our fees page

Essex Law’s team have been specialising in Debt Recovery for over 15 years. Come to us for sensible advice.