Debt Recovery
Debt recovery solicitors in Cheltenham
At Pembridge Solicitors, we advise businesses and individuals on recovering unpaid debts in a clear, practical, and proportionate way. Based in Cheltenham, our solicitors help clients take control of outstanding payments, improve cash flow, and resolve disputes efficiently. Whether the debt arises from unpaid invoices, loans, or contractual obligations, our role is to explain your options plainly and help you choose the most effective route to recovery.
What is debt recovery?
Debt recovery is the process of taking action to collect money that is legally owed but has not been paid. This can involve informal steps, such as formal written demands, or more structured legal action where payment continues to be withheld. The appropriate approach depends on the size of the debt, the relationship between the parties, and the likelihood of recovery.
When debt recovery advice is needed
Advice is often needed where invoices remain unpaid beyond agreed terms, payment promises are repeatedly missed, or communication has broken down. Early advice can help prevent delay, preserve evidence, and avoid taking steps that weaken your position. It can also help assess whether recovery is likely to be cost-effective.
Understanding the debt recovery process
Debt recovery usually begins with reviewing the agreement, invoice, or contract to confirm the debt is owed and overdue. The next step is typically a formal written demand setting out the amount due and a deadline for payment. If payment is not made, further action may include negotiation, settlement discussions, or court proceedings. Each stage should be handled carefully to maintain pressure while managing cost and risk.
How we handle debt recovery matters
When you instruct Pembridge Solicitors, we begin by reviewing the basis of the debt and the supporting documents, such as contracts, invoices, delivery records, and correspondence. We confirm the amount owed, assess any potential disputes, and advise on the most appropriate recovery strategy. We then take action on your behalf, which may include issuing formal demands, engaging in negotiations, or starting court proceedings where necessary. Throughout, we focus on achieving payment as quickly and efficiently as possible.
Recovering debts without court action
Many debts can be recovered without going to court. Clear, firm correspondence and realistic settlement options often prompt payment, particularly where the debtor understands that legal action will follow if payment is not made. Avoiding court proceedings can save time and cost and may help preserve business relationships.
Court action and enforcement
Where payment is still not forthcoming, court proceedings may be required. If a judgment is obtained and payment is not made, enforcement options may be available to recover the debt. The appropriate enforcement method depends on the debtor’s circumstances and assets. Advice helps ensure enforcement steps are targeted and proportionate.
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0330 900 0377
Clear, confidential advice on debt recovery. Speak to an experienced solicitor to understand your options and next steps.
Debt recovery FAQs
Can I recover a debt even if there is no written contract?
Possibly. A written contract is helpful but not always required. Debts can often be established using invoices, emails, messages, delivery records, or evidence of services provided. The key issue is whether there is clear evidence that the debt is owed.
How long do I have to recover a debt?
Time limits apply and depend on the nature of the debt. In many cases, debts must be pursued within six years, but this can vary. Because deadlines are strict, early advice is important to avoid losing the right to recover the debt.
What if the debtor disputes the debt?
If a debt is disputed, the reasons for the dispute need to be assessed carefully. Some disputes are genuine, while others are raised to delay payment. Legal advice helps determine whether the dispute has merit and how best to respond.
Is it worth pursuing a small debt?
That depends on the amount owed, the likelihood of recovery, and the costs involved. Advice can help assess whether recovery is proportionate and what approach is most suitable.
Will taking legal action damage my business relationship?
Legal action can affect relationships, but non-payment can also cause significant harm. Many matters are resolved through firm but professional correspondence before court action becomes necessary. The approach can be tailored to your commercial priorities.
What happens if the debtor still does not pay after judgment?
If payment is not made after judgment, enforcement action may be required. Options depend on the debtor’s financial position and assets. Advice helps identify which enforcement methods are likely to be effective.
Where we also assist clients
While our debt recovery solicitors are based in Cheltenham, we also advise clients in Tewkesbury, Gloucester, and across England and Wales, with support provided in person or remotely where appropriate.
Speak to debt recovery solicitors in Cheltenham
If you are owed money and need clear advice on recovering a debt, our solicitors are here to help. We provide practical guidance focused on securing payment efficiently and protecting your position. To speak to one of our solicitors, call 0330 900 0377 or contact us online to arrange a consultation.
How to Find Us
Calderwood House
Montpellier Parade
Cheltenham
GL50 1UA
If you need directions or have any questions before visiting, feel free to call us.