Debt Recovery
Unpaid debts can cause serious financial pressure, disrupt cash flow, and create unnecessary commercial risk. At Kinetic Law, we provide a focused debt recovery service for debts over £10,000, including disputed and undisputed debts.
We act for businesses, landlords, professionals, individuals, and organisations seeking to recover significant sums owed under contracts, invoices, loans, rent arrears, service agreements, guarantees, and other enforceable obligations.
Our debt recovery service is designed for claims where the value, complexity, or commercial importance justifies formal legal action. We do not generally deal with low-value debt recovery matters below £10,000 unless they form part of a wider dispute or ongoing litigation.
Our Promise to You
We understand that recovering a substantial debt requires more than simply sending a demand letter. Our approach is strategic, evidence-led, and focused on achieving a commercial outcome.
- Early Merits Assessment: We review the documents, debtor position, limitation, prospects of recovery, and likely cost-benefit of action.
- Focused Pre-Action Strategy: We prepare robust Letters Before Action and ensure the claim is properly framed from the outset.
- Court Proceedings Where Necessary: If payment is not made, we can issue and manage County Court or High Court proceedings.
- Enforcement Planning: We consider enforcement options early so that obtaining judgment is not treated as the final step.
Our Debt Recovery Services
We assist with debt recovery matters involving:
- Commercial Debts Over £10,000: Recovery of unpaid invoices, fees, contractual sums, and business debts.
- Loan and Repayment Disputes: Claims involving unpaid loans, informal lending arrangements, repayment agreements, and written acknowledgments of debt.
- Commercial Rent and Lease Debts: Recovery of rent arrears, service charges, insurance rent, and other sums due under commercial leases.
- Personal Guarantees: Claims against guarantors where a company or individual debtor has failed to pay.
- Disputed Debts: Advice and representation where the debtor disputes liability, raises a set-off, alleges defective service, or refuses to engage.
- Judgment and Enforcement: Assistance with default judgment, summary judgment, charging orders, third party debt orders, attachment of earnings, orders to obtain information, High Court enforcement, and insolvency options where appropriate.
- Settlement and Payment Plans: Negotiating repayment proposals, Tomlin Orders, settlement agreements, and structured payment terms where commercially sensible.
Our Debt Recovery Process
We offer a staged approach depending on the value, urgency, and complexity of the matter.
- Initial Review: We assess the debt, supporting documents, debtor details, limitation, and recovery prospects.
- Letter Before Action: We send a formal demand setting out the claim, evidence, sum due, interest, costs, and deadline for payment.
- Negotiation or Response Handling: We deal with any reply, dispute, offer, or request for documents.
- Court Proceedings: Where payment is not made, we can issue proceedings and manage the claim through judgment or trial.
- Enforcement: If judgment is obtained and payment is still not made, we advise on the most effective enforcement route.
Recover a Debt Over £10,000
If you are owed more than £10,000, early legal advice can improve your recovery prospects and prevent unnecessary delay. Speak to our debt recovery specialists today for a free, no-obligation assessment. Contact our specialist litigation team to discuss how to fund your legal case.
Frequently Asked Questions
Our debt recovery service is focused on debts over £10,000. We may consider lower-value matters only where they form part of a wider commercial dispute or ongoing litigation.
Useful documents include contracts, invoices, purchase orders, delivery notes, loan agreements, guarantees, emails, payment records, statements of account, and any admissions or promises to pay.
In many cases, interest may be recoverable depending on the contract, statutory entitlement, or the court’s discretion. We will advise on the correct basis once the documents have been reviewed.
We will assess the defence, consider the evidence, and advise whether to continue negotiations, issue proceedings, apply for summary judgment, or take another appropriate step.
No. Many debts are resolved after a formal Letter Before Action or through negotiation. Court proceedings are only pursued where appropriate and commercially justified.