Dispute Resolution

Debt Recovery

Debt Recovery

At Franklins Solicitors, we provide swift, cost-effective debt recovery services that help you protect your cashflow while maintaining commercial relationships wherever possible.

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What is Debt Recovery?

Debt recovery is the legal process of pursuing money owed by individuals, companies, or organisations. It can range from a simple pre-action letter prompting repayment, to full court proceedings and enforcement action if a debtor refuses to pay.

For businesses, debt recovery is not just about collecting money — it’s about protecting your cashflow and reputation while minimising disruption. At Franklins, we take a balanced approach, combining firm action with commercial sensitivity to preserve valuable business relationships where appropriate.

How We Support with Debt Recovery

Our debt recovery solicitors provide tailored support at every stage, including:

  • Pre-action support – drafting effective letters before action that prompt repayment without court proceedings.
  • Negotiation & settlement – resolving matters quickly and confidentially through negotiation or structured repayment agreements.
  • Court claims – pursuing County Court or High Court action where debts remain unpaid.
  • Enforcement – using charging orders, third-party debt orders, or High Court Enforcement Officers to secure payment once judgment has been obtained.
  • Insolvency proceedings – issuing statutory demands, winding-up petitions, or bankruptcy proceedings where appropriate.

We combine legal expertise with commercial awareness to find the best route for recovery in each case.

Types of Debt Recovery We Handle

Our team advises on a wide range of debt recovery matters, including:

  • Overdue invoices and unpaid accounts
  • Recovery of rent arrears and service charges
  • Enforcement of judgments (County Court and High Court)
  • Recovery of commercial loans and guarantees
  • Construction payment disputes and retention sums
  • Recovery against insolvent companies or individuals
  • Debt recovery for landlords, suppliers, and service providers

Speak to our Dispute Resolution Team

Disputes don’t have to derail your business or personal life. Whether you’re chasing debts, facing a landlord and tenant issue, or dealing with a complex shareholder or contract dispute, our solicitors are here to help you find a clear way forward.

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Why Choose Franklins Solicitors for
Debt Recovery?

Business-Focused Advice

We align our approach with your commercial goals — whether you want to recover money quickly, preserve a relationship, or set a precedent for future dealings.

Speed and Efficiency

We act promptly, knowing that time is often critical in debt recovery. The earlier action is taken, the higher the chance of recovery.

Clear Communication

We provide straightforward, jargon-free advice so you always understand your options and likely outcomes.

Full-Service Litigation Support

If debts escalate into defended claims, we have the litigation expertise to represent you robustly in court.

Trusted by Businesses Across Sectors

We act for SMEs, landlords, suppliers, and national companies across a wide range of industries.

dEBT reCOVERY

FAQs

How quickly can you recover a debt?2025-08-22T12:49:01+01:00

It depends on the circumstances. Many debts are settled after an effective pre-action letter, while others may require court action or enforcement. Acting early increases your chances of recovery.

Do I always need to go to court?2025-08-22T12:49:34+01:00

No. Many debts are resolved through negotiation or settlement agreements without the need for court proceedings.

Can you recover small debts?2025-08-22T12:49:51+01:00

Yes. We handle debts of all sizes, from small unpaid invoices to high-value claims. Our advice will always consider whether recovery is commercially worthwhile.

Do you act for both businesses and individuals?2025-08-22T12:50:40+01:00

Yes, although most of our debt recovery work is for businesses, landlords, and commercial clients. We also advise individuals in high-value or complex cases.

Can you add interest and costs to the debt?2025-08-22T12:50:24+01:00

In many cases, yes. Depending on the contract or the Late Payment of Commercial Debts legislation, you may be entitled to recover interest and reasonable costs.

What if the debtor is insolvent?2025-08-22T12:50:07+01:00

We can advise on insolvency proceedings such as statutory demands, winding-up petitions, or bankruptcy petitions, and explore alternative recovery options.

Experienced Solicitors Providing Expert Legal Advice

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Contact

  01908 660966

Ashton House, 409 Silbury Boulevard,
Milton Keynes, Buckinghamshire,
MK9 2AH

  01604 828282

8 Castilian St,
Northampton,
NN1 1JX

Monday to Friday | 9:00 AM – 5:30 PM
[email protected]

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Please read our Privacy Policy and Terms & Conditions. Franklins Solicitors LLP is a Limited Liability Partnership and is authorised and regulated by the Solicitors Regulation Authority, SRA No: 570602. Registered in England under Company No: OC303900, VAT No: 365 919316. A list of members is available for inspection at the Registered Office at our Northampton Branch.

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