Debt Recovery

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We know that customers and clients refusing to pay can seriously affect your cash flow. Business debt collection can be time consuming and expensive to deal with.  It is often cheaper to outsource the problem to a specialist.

At Girlings we are committed to helping you  protect your cash flow. Our comprehensive and cost effective  business debt recovery service  includes dealing with:

  • Unpaid commercial invoices
  • Unpaid debts
  • Tenant arrears
  • Former/missing tenant arrears
  • Track and tracing services
  • High Court enforcement referrals
  •  Attachment of Earnings Orders
  • Charging Orders
  • Employment Status Reports
  • Other forms of debt recovery

Our clients range from  larger companies with credit managers who need a debt recovery service for clients that have ignored their final warning, to  smaller businesses that just do not have the time to chase unpaid bills.  Our fully computerised but personal service offers a speedy and cost effective means of recovering debts at all levels.

For taking  your instructions and sending a 7-day Letter Before Action we charge £9.50 plus VAT.  

Debt Recovery

For taking  your instructions and sending a 7-day Letter Before Action we charge £9.50 plus VAT.   

Step 1: You provide us with a copy of your outstanding invoice or statement confirming the details of the debtor and debt owed.

Step 2: We send your debtor a Letter Before Action requiring payment within 7-days and warning of pending court proceedings. Often this procedure is enough to secure payment. If payment has not been received at the end of the 7-day period we will advise you of the exact cost of any legal proceedings for debt recovery  you may then wish us to issue.

Step 3: (If payment is not received) We will draft and submit a claim form to the County Court (subject to your instructions and payment of the court fee).

Step 4: Once the claim form has been issued, if no defence has been filed by the debtor, we will automatically apply for judgment against the debtor on your behalf. Should the debt remain outstanding on receipt of judgment we can then advise you as to the best methods of enforcing your judgment against the debtor to secure payment for you. Should the debt be defended we will advise you about the prospects of the case and the most cost effective way to pursue your claim.


If you prefer not to issue proceedings then you are under no obligation to do so. You can decide whether you believe  the  debtor is able to pay. Where a genuine dispute is foreseen or emerges, or you instruct us to enter into correspondence with the debtor, our litigation team will handle the case. They will advise you about the cost of pursuing your claim.

Free Debt Recovery Quotation

Contact Ailsa Fairchild, our Debt Recovery Manager, who will be happy to discuss our service in more detail and provide an initial quotation. We look forward to hearing from you.

Please see our Debt Recovery Costs information sheet for further details of our charges and the work we undertake.

Getting in touch is the first step to getting the advice you need.

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01233 664 711
01227 768 374
Herne Bay
01227 367 355

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