Business Debt Recovery

Do you encounter debtors who struggle to pay your invoices on time, or at all?

Many businesses operate with an “acceptable” level of debtors.  When outstanding sums are not properly managed, though, the adverse effect on your business can spiral, disrupting cash flow, incurring costs and threatening profit margins.

Debt recovery itself comes at a price: we understand it is a cost your business will want to minimize, if not avoid.  We are happy to advise on practical procedures which lead to steady collections and, in turn, to growth and development for your business.

We can advise on key steps to take, to better manage the risk of bad debts.

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A fixed fee service keeping costs to a minimum

If, nonetheless, you face debtors, we can step in for you.  We recognise that the cost of legal intervention must be proportionate to the amount of the debt, and are proud of our long-standing reputation for delivering an effective, low cost, fixed price recovery service.

Effective intervention leading to an early resolution

Clients often seek our advice having invested time and energy chasing debtors themselves, without recovering payment.  Frequently, just one letter of demand from us results in payment in full, often with interest and costs.

Debt recovery support and advice

Our legal team will help you throughout the debt recovery journey, offering clear advice, updates, and guidance to help you make informed decisions.

Why Choose Us?

  • Fixed-fee options available for standard debt recovery cases
  • Quick turnaround on letters before action
  • Experienced negotiators and litigators with a strong track record
  • Transparent communication – no legal jargon
  • Flexible services for individuals and businesses of all sizes

Need to recover a debt?
Contact our team today for a no-obligation consultation and find out how we can help you take swift, effective legal action.

We’re here to support
your next step

Whatever that may be

Request a video call, phone call
or an in-person meeting

    Our Debt Recovery Services

    Initial assessment and fixed fee quote, pre action correspondence, negotiation and communication, court proceedings, enforcement of judgements.

    Initial Assessment and Fixed Fee Quote

    We offer an initial review of your case and can often provide a fixed-fee service for straightforward recover matters.  This gives you clear, upfront pricing and control over your costs from the outset.

    Debt Negotiation and Communication

    If there’s a dispute or the debtor responds, we can negotiate on your behalf to reach a settlement or agree on a payment plan. We handle all correspondence and legal compliance to ensure the matter progresses efficiently.

    Enforcement of Judgements

    If you secure a County Court Judgment (CCJ) and the debtor still doesn’t pay, we can take enforcement action. This may include instructing bailiffs (High Court Enforcement Officers), applying for a charging order against property, or seeking an attachment of earnings.

    Pre Action Correspondence

    Often, a well-drafted solicitor’s letter before action (LBA) is enough to prompt payment. Our firm issues a formal demand to the debtor, outlining the amount owed, the basis for the claim, and a deadline for payment.

    Issuing Court Proceedings

    If the debtor fails to respond or refuses to pay, we can issue a claim in the County Court. We prepare all the documentation and represent you throughout the process including, if necessary, a trial in the County Court

    Simple cases may resolve within 7–30 days after a solicitor’s Letter Before Action is issued. If court action is required, it can take a few to several months depending on complexity and the debtor’s response.

    In many cases, yes. You may be entitled to claim interest, late payment fees, and reasonable legal costs, particularly under the Late Payment of Commercial Debts (Interest) Act 1998. A number of factors determine this however mainly the value of the debt you are looking to recover.

    An LBA is a formal letter sent to the debtor requesting payment within a specified time (typically 14 days). It outlines the debt and warns of legal action if payment isn’t received.

    We assess the basis of the dispute and can advise on the best course of action, including whether to proceed to court, negotiate, or consider alternative dispute resolution.

    We aim to preserve commercial relationships where possible. A firm but professional legal approach often resolves matters amicably and sets a precedent for future dealings.

    Yes. We act for both individuals and businesses in recovering personal loans, unpaid rent, or private contracts, with discretion and professionalism.

    Looking for support with debt recovery?

    If you’re looking to take immediate action on a personal or commercial debt, please get in touch by using the contact form provided.

    We’re here to support your next step

    Request a video call, phone call or an in-person meeting

    “I wish I’d not struggled for so long to chase this debt.  Kidd Rapinet took the matter on and resolved it quickly and efficiently.  I would highly recommend them to any business owner constantly chasing unpaid invoices.”
    Debt recovery client, Maidenhead, Berkshire
    Sarah WalkerDebt Recovery