If you or your credit control team are struggling to recover debts from clients or customers, Essex Law Limited can help. We are experts at legal debt recovery in Essex and have a successful track record of recovering debts from businesses and individuals.
We take a professional discreet approach to recovering debts in the Essex area and tailor our service to you with urgency and size of debt in mind.
We offer two primary legal debt recovery services that will meet the needs of you or your business.
Any business has the right to be paid for the goods and services they provide and unpaid invoices can have a detrimental impact on the ability to run the business. With cash flow issues, you may find it hard to pay staff or your own suppliers.
At Essex Law Limited, we offer business debt recovery services in Essex for all types of business debt taken by a commercial entity or an individual including:
Legal debt recovery isn’t a service that is solely used by big businesses like lending companies, banks and trade suppliers as private individuals are also likely to be owed money.
Some examples of personal debts that can be successfully recovered include:
Legal debt recovery can be a simple process, but it can also be quite complex depending on several factors including the debtor being unresponsive or having moved house.
We use a sensitive and discrete approach where possible because whilst we understand that you are entitled to the debt you’re owed, we have to be compassionate about the debtor’s circumstances too.
In the majority of cases, a letter from a legal debt recovery lawyer will recover the money you are owed. We offer a fixed price service to draft and send debt recovery letters to your debtors.
Once we send a debt recovery letter, if we don’t receive a reply in the time we’ve set out we will take legal action against the debtor with the county court. Proceedings will be issued by the court and the debtor will have 14 days to pay, along with interest and costs.
Once the county court claim has expired, the county court can then issue a County Court Judgment (CCJ) which allows us to take enforcement action against the debtor.
Once the court has issued the CCJ, we can then enforce collection of this debt. Methods of collecting the debt can include:
Bailiff action – Sending a bailiff to the individual or business that owes you money to collect the debt or seize goods to repay the debt.
High court escalation – In the case that the debt is less than 6 years old and over £600, we can escalate it to the high court which could help you receive your money quicker although certain conditions apply.
Attachment of earnings – Getting an attachment of earnings order attached to their paycheque to recover a percentage of the debt each month until it is paid.
Charging order – The court will be able to place a charge on the debtor’s property or land for the amount you’re owed. It doesn’t necessarily mean you get your money straight away but it may protect your money for the future.