If you or your business are finding chasing and recovering overdue debts a challenge, we can help recover what you’re owed.
Essex Law Limited specialises in taking a professional and proactive approach to legal debt recovery in Clacton and the surrounding areas.
We take a sensitive approach to legal debt recovery, prioritising urgency. We have a proven track record of recovering debts, having operated in the Clacton area for many years.
We offer debt recovery solutions to both businesses and individuals in and around Clacton:
When clients or customers owe your business money, it can pose a serious threat to your cash flow as you may be unable to pay suppliers or staff, and in the worst cases could result in your business laying off staff or closing.
We offer business debt recovery in Clacton which aims to recover a wide variety of debts:
Many people think that debt recovery services are just for businesses like lenders and service providers, but if you’re an individual who is owed money we can also help.
If you are owed money, it could result in you being unable to pay bills or you could eat into savings that you were setting aside for a holiday or a deposit on a house, so we want to help you recover your owed debts.
Whilst debt recovery can be straightforward, it can also be challenging if you’re struggling to locate the person who owes your debt, or they’re being unresponsive.
At Essex Law Limited, we use a discrete yet direct approach in order to secure a successful outcome.
Before we take matters further, we will trace the debtor and send them an official letter asking them to pay within a set timeframe.
After we’ve sent debt recovery letters, if there’s no response, we will be able to take legal action which means the county court will issue proceedings ordering the debtor to pay within 14 days, along with additional court costs.
If necessary, we will approach the Essex county court to start legal proceedings which will require the debtor to pay within 14 days, including court fees and interest.
In the event that the debtor doesn’t pay within 14 days, we can obtain a CCJ which allows us to take further enforcement action.
When we obtain a CCJ we can use enforcement strategies including:
Bailiff action – We can send a bailiff to collect the debt or seize assets that can be sold to repay the debt.
High court – If the debt is less than 6 years old and exceeds £600, we can escalate it to the high court, which may help you recover your money faster, though certain conditions do apply.
Attachment of earnings – This deducts a portion of the debtor’s wages until the debt is satisfied.
Charging order – In some circumstances, the court can put a charging order on the debtor’s property including houses and land, along with other assets like stocks and shares. Normally, you won’t get your money instantly but it could protect you in the future.