Business Debt
Recovery
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Services

What we do

Commercial debt recovery, from checking who actually owes you to enforcing a judgment against them.

01

Commercial debt collection

One unpaid invoice or a whole aged ledger, recovered on a fixed fee.

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02

Letter before action

The formal letter that comes before a claim, correctly addressed and correctly costed.

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03

Court claims

Issued and conducted by RHF Solicitors when a debt is not genuinely disputed.

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04

Enforcing a judgment

A judgment is paper until it is enforced. Choosing the route that fits the debtor.

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05

Statutory demands

The sharpest lawful instrument against a company that can pay and will not.

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06

Commercial rent arrears

Unpaid commercial rent — and the routes that quietly give up your right to forfeit.

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07

Credit control

Chasing the ledger on a schedule so debts resolve at 30 days, not 120.

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08

Recovery Desk — the software

Our own system: connects to Xero, costs every invoice at the statutory rate, and lets you escalate any line to us with one action.

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09

Sectors we work in

Recruitment, construction, haulage and wholesale — where the paperwork that decides it differs most.

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10

Disputed invoices

When they are not refusing to pay, they are arguing. A different job, handled differently.

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11

When a customer is insolvent

What is still worth doing, and what is throwing good money after bad.

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Fixed fees. No commission. No slice of your money.

The money we recover is money you were always owed.

You keep what we recover

We charge a fee for the work, agreed in writing before it starts. We do not take a percentage of the debt, so recovering £40,000 costs the same as recovering £4,000 if the work is the same.

You are told before you spend

Every escalation is a decision you make with the cost and the realistic outcome in front of you. Nothing moves to the next stage automatically.

Court work is regulated work

Anything reserved by law goes to RHF Solicitors at a fee agreed up front. We are open about the line because pretending it is not there would be the dishonest part.

Which one do you need?

Almost everybody starts in the same place, and it is not a service on the list above. Before anything is sent we check who the debtor legally is, whether the debt is still within the limitation period, and what it is actually worth once statutory interest and the fixed compensation sum are added. That costs nothing and it changes the answer surprisingly often — debts get chased against dissolved companies, against trading names that are not legal entities, and against the wrong company in a group, and each of those is money spent achieving nothing.

From there the route follows the debtor rather than your preference. A solvent company that has simply deprioritised you needs a letter before action. An individual or sole trader needs a protocol-compliant letter of claim with prescribed enclosures and a longer clock. A customer arguing about the work needs the dispute narrowed before any legal step, because issuing on a genuinely disputed debt is how a recovery becomes litigation. And a debtor with nothing worth enforcing against needs you to stop.

Where the regulated line falls

Everything up to the court door is unreserved work: checking the debt, costing it, the letter, the negotiation, the payment plan. That is where the great majority of commercial debt is actually recovered, and it is why an unregulated firm can do this properly and cheaply.

Issuing and conducting proceedings is reserved by law. When a case needs that, it goes to RHF Solicitors (SRA no. 324115) on the same file, at a fee agreed up front — you are not handed to a stranger and asked to explain it again. See how it works for the whole sequence, or pricing for what each step costs.

Not sure which of these you need? Send us the invoice and we will tell you — including if the answer is that it is not worth chasing.

The recovery pack

The five stages, what you can add to the debt, and the letter-before-action checklist.

Send us the invoice.
We'll tell you what it's worth.

Send us the invoice

Tell us what you are owed and who owes it. You get back what the debt is actually worth once interest and compensation are added, what we would do first, and the fixed fee for doing it.