Simper Law

Debt Recovery and Enforcement
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Debt Recovery Solicitors

Unpaid debts can have a significant impact on both personal finances and those of a business, creating stress and uncertainty. We are expert Debt Recovery Solicitors, handling all types of Debt Recovery cases and achieving results quickly and efficiently.

What is the Debt Recovery process?

The Debt Recovery process depends on each individual situation, but generally the stages are as follows:

  1. Send a Pre-Action Letter of Claim – We will send this letter to the debtor on your behalf, informing them of the amount they owe, how and when to make payment and the consequences if payment is not made
  2. Issue Court Proceedings – If the above letter receives no response, we will issue Court proceedings against the debtor
  3. Obtain a County Court Judgement (CCJ) – this legally binding document sets out how the debt should be repaid and when by

In the majority of cases, a Debt Recovery letter from a solicitor is enough to encourage payment, and we can provide a simple, straightforward service to do this.

Please call us now on 01603 672222 for a no-obligation conversation today or Click Here To Make An Online Enquiry.

How much does the process cost?

It depends on your particular situation and we will ensure to work on a cost effective basis that makes it easier for you to instruct a solicitor to deal with this on your behalf. If you would like to find out more information about the costs involved, please give us a call.

What if a debtor just does not pay?

If a County Court Judgement (CCJ) is obtained on your behalf but the debtor still does not pay, there are a number of enforcement options, including:

  • Deducting the money from the debtor’s wages
  • Charging Order against property
  • Instructing a High Court Enforcement Officer to carry out the Debt Recovery

Should I use a Debt Recovery Solicitor or a Debt Collection Agency?

A Debt Collection Agency actually has no more legal powers than you do. They pursue the debt through a series of letters, phone calls, emails and sometimes text messages. A percentage of the debt will be deducted to cover their fees and commission.

Instructing a solicitor is often more effective because the debtor will know that non-payment will then progress to legal proceedings. A solicitor will charge you fixed fees and not deduct any commission.

If the Debt Recovery process proceeds to Court action, there may be additional (fixed) costs, but your solicitor will advise you of these in advance.

Can I charge interest or claim compensation on an unpaid debt?

The Late Payment of Commercial Debts (Interest) Act 1998 does allow you to add interest or claim compensation from businesses with late unpaid invoices. This legislation is not valid with personal debtors. This means the matter will proceed as a Civil Dispute and we can advise of the standard procedures and follow with these.

This entitles you to charge 8% interest plus Bank of England base rate on overdue B2B (business to business) debts. The amount that you can recover in compensation depends on the amount owed and the number of outstanding debts.

If you would like further advice on this, please contact us.

What if the debt is disputed?

If your debtor disputes the amount you are demanding, or believes they owe you a different amount, we will work with you both to understand the situation fully and try to negotiate an agreeable solution. This means the matter will proceed as a Civil Dispute and we can advise of the standard procedures to follow with such matters.

If you need help with Debt Recovery and Enforcement, please call us now on 01603 672222 for a no-obligation conversation today or Click Here To Make An Online Enquiry.


"You couldn’t improve the service, it was faultless. I found dealing with Simper Law an absolute pleasure from the first phone call to completion of my Will. Everyone I spoke  to was helpful and friendly and Kim made the whole process easy and stress free. Many thanks and I won’t hesitate to recommend you."

Client: Mrs Loveday

"Very informative and clear. The Solicitor fully understood out requirements. Everything was completed to our satisafction in a suitable timeframe. The service and the delivery of the service was exemplary. First class from all concerned. It was apparent from the first meeting that we had chosen well in approaching Simper Law. First class knowledge and customer care at all times. Very attentative, helpful and efficient."

Client: Mr and Mrs Hall

“Nothing could be improved with the service. Extremely satisfied.”

Client: Mrs B Laidler

“Our Wills were dealt with very quickly. Thank you, Sally.”

Client: Mr & Mrs F.

“We saw Sally Riches for assistance in drawing up new Wills and Lasting Powers of Attorney. Our objectives were completely understood and Sally went the extra mile in providing a good service for us. Sally is friendly, knowledgeable and efficient. Thank you for all your help.”

Client: Mr & Mrs J.

“I was delighted by the prompt response and the friendly helpful service we received. Thank you.”

Client: Mr & Mrs Hannant

"Victoria is the perfect Solicitor and will fight your corner every step of the way. Victoria has a way of making you feel at ease and you are made to feel like you are the most important person in the world, I highly recommend Simper Law."

Client: Tracey Bellward

"Victoria was able to take the emotion out of my case and look at it objectively, with a view to minimising my costs. I’ve worked with a few Solicitors in the past who take the opposite approach. I’m more than happy to recommend and pass on to friends and family."

Client: John Graham

"I would like to pass on my thanks to the team at Simper Law for the handling of an outstanding debt to my business.
Victoria was able to achieve more in a week than I was able to in a year! I cannot fault the level of customer service or professionalism throughout the process and what sometimes can be a very stressful procedure was anything but. If I have another issue like this arises in the future then Simper Law will be my first point of call and I would recommend them to family, friends and colleagues without hesitation."

Client: Niall Secker

"I'm so very grateful to Kim and her team for helping me to make a will that covered my wishes. Kim is a naturally caring person and made me feel at ease from the start. All questions were answered factually, but with compassion. Now I feel I can rest at ease in the knowledge that all is in order on this front. I was very worried at the idea of this experience, but I had no need to be -at all."

Client: Anthony Joseph

"I would like to thank Kim for her patience and advice in putting together a somewhat complicated Will and have no hesitation whatever in recommending Simper Law to anyone needed a friendly professional service."

Client: Doreen Avellino

"Best Solicitors I’ve dealt with, friendly, very easy to deal with and never trying to get you to do something you didn’t want. Exceptional."

Client: Paul Horrex

"Outstanding service from all at Simper Law- A total pleasure to deal with from first contact to completion. Not only professional in all respects, but just the right touch to leave you confident and completely at ease. Kim and her lovely team offer an impressive service second to none."

Client: Carol Rose

"I highly recommend Sally Riches at Simper Law. Her dealings with me throughout the Will writing process were professional, timely, efficient, helpful, clear and pleasant.
It was a task I was dreading and Sally made it easier and more effortless than I imagined it could be. Thank you."

Client: Sandra Boatman

"Thanks again Danielle- you’ve done a fantastic job on this - great communication and professional efficiency throughout the process for which we are very grateful."

Client: Sally Burrell

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