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Personal Debt Recovery

Personal Debt Recovery

Before embarking on the personal debt collection process it is important to establish as much financial information regarding the debtor’s status as is possible, as this will determine whether there is a genuine prospect of recovery, before court fees and costs are incurred.

Information is the key.  We can undertake pre-sue status reports on your behalf and will advise you on the most cost-effective enforcement routes to adopt. Once armed with this information we can advise you on the viability of enforcing the personal debt through a number of routes.

Ordinarily all of the fixed court costs and court fees of the exercise are added to the judgment debt and would be recoverable from the defendant on the successful conclusion of the action. In our experience only 10-15% of personal debts are defended. If that were to be the case in your action, rest assured we have the capability, experience and resources available to ensure that the action is taken to trial (often on a fixed fee basis) as expeditiously as possible.

We fully appreciate that the prospect of litigation can sometimes be a little daunting to an individual. We always ensure that we are a re-assuring presence throughout the court process and are happy to guide you through the process at each stage.

Should you wish to discuss your potential claim, free of charge, please do not hesitate to contact us.

Have you got a problem with personal debt?