Debt Recovery

At Lloyd James Law, we understand that unpaid debts can have a serious impact on your cash flow, operations, and peace of mind—whether you're an individual, sole trader, or business owner. Our Debt Recovery team offers fast, effective, and legally sound solutions to recover what you're owed without unnecessary delays or excessive costs.

We handle everything from initial letters before action to court proceedings and enforcement, tailoring our approach to the size and complexity of the debt. Whether the matter is straightforward or disputed, we act swiftly to protect your interests while maintaining compliance with all relevant legislation and industry standards.

Our debt recovery services include:

• Pre-Action Letters of Claim – Formal letters demanding payment and warning of legal action if the debt remains unpaid.
• Negotiation & Settlement – Communicating with debtors to agree repayment plans or negotiate settlements where appropriate.
• County Court Claims – Issuing court proceedings for recovery of debt, interest, and legal costs.
• Judgment Enforcement – Including High Court enforcement officers (bailiffs), attachment of earnings orders, charging orders, and third-party debt orders.
• Disputed Debts – Legal advice and representation in cases where the debtor challenges the amount or basis of the claim.
• Statutory Demands & Insolvency Proceedings – For high-value debts, we can initiate bankruptcy or winding-up proceedings where appropriate.
• Commercial Debt Recovery – Supporting SMEs and larger organisations with efficient recovery of business-to-business debts under the Late Payment of Commercial Debts Act.

We aim to resolve matters quickly and amicably where possible, but we are always prepared to escalate if necessary. Our approach is strategic, cost-effective, and driven by results.

Whether you're owed a few hundred or several thousand pounds, Lloyd James Law is here to help you recover your money and get back in control. We can offer our debt recovery services on a Damages Based Agreement, meaning you only pay if we are successful.