From advice about bankruptcy and court orders, to help dealing with creditors or bailiffs, we will support and guide you through whatever situation you are facing. We have helped many people in similar situations, and will offer straightforward practical advice and support. We provide an affordable service and with our free initial assessment and no hidden cost promises. You can find out what your options are before deciding what action to take. So to take control of your finances and find solutions to your debt problems, call Michael Feakes for a confidential chat on 01656 661115.

Debt recovery FAQs

What sort of debts can I recover?

You might have lent someone some money which they are refusing to return; or be due a refund or from a company which is long overdue; or done some work for a person or business (whether as an employee or contractor) which you have not been paid for; or supplied goods which have not been paid for. These types of situations give you the right to recover your debt.

Is it worth pursuing my debt?

It may be best to write off small debts (less than £100). For debts of more than that, you should consider if the debtor has the means to pay. There is probably no point in pursuing someone who is already bankrupt, galling though it will be. If the debtor could only ever pay £5 a month, then is it worth waiting several years? If they have outstanding County Court Judgments (CCJs), then you may be joining a long queue of creditors.

Also consider why the debt is not being paid: is there a dispute over the goods you supplied? If you bring a claim, will the debtor bring a counterclaim against you.

Can I charge interest and costs on overdue debts?

Usually you can if your contract or agreement with the debtor says you can, or if it is a commercial debt.

How do I start to pursue the debt?

The first step is to send the debtor a formal letter requiring immediate payment of the debt and advising them that you will take legal action if you do not receive it. Give a set date for payment (e.g. “by 17 June”). You may prefer to instruct us to send such a letter: a solicitor’s letter makes it clear to the debtor that you are serious and often prompts an immediate response.