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Commercial Debt Recovery Solicitors

What is commercial debt recovery?

Commercial debt recovery is the process of recovering outstanding debts that are owed to a business. The process is the same as recovering a personal debt, however, due to the complexity and nature of business agreements, these debts are normally pursued using the help of a debt recovery solicitor. Smaller debts below £10,000 may be recovered by businesses themselves unless there is a complex dispute sitting behind the debt. In these cases and for any debts over £10,000, we would always advise clients to get legal advice before deciding on what to do. This is because the process and expectations placed on both sides of the dispute are much more rigorous.

How can I recover a commercial debt?

The process of recovering a commercial debt is similar to that of resolving a contract dispute as many contract disputes will result in money being owed. First, we would send a letter before action to the other side, advising them you are taking formal action to recover what’s owed. If the letter before action has no effect, we would then issue a claim to recover your money. Depending on the size of the debt, this would either be a small claim, fast track claim or multi-track claim. Ultimately, once you have received a favourable result, we would then help you to pursue enforcement and have the outstanding debts paid to you.

How much will it cost to recover a commercial debt?

Each case is different, which is why we offer an untimed initial consultation priced at £108 including VAT at which stage your solicitor will offer an estimate of:

  • How long they expect it will take to achieve your desired outcome
  • How much you can expect to pay
  • The work that is involved, for example drafting and sending a letter before action, going through mediation or filing the case at court

Should you choose to instruct our firm, we will write to you confirming our fee estimate.

If your case needs to be referred to a court, there may be additional administration fees (printing, bundle assembly and postage), as well as any relevant court fees payable to the court.

If a matter is settled after a letter before action is sent, it may cost as little as £400 plus VAT. However, a commercial debt requires the court’s intervention could cost in excess of £10,000 plus VAT.

How long does it normally take to recover a commercial debt?

Again, this will depend on the complexity of your matter. For extremely simple cases that settle after a letter before action is sent, this could be as short as 1-2 weeks.

For cases that proceed to the County or High Court, this will depend on the court’s availability and could be anything from 6 months to 2 years from start to end.

Key stages involved in a contract dispute

Depending on your matter, a typical case would involve:

  1. Initial consultation to understand your matter
  2. Review of your debt and the contract governing how it came about
  3. Advising on the contract, the breaches, your dispute and evidence needed regarding your debt recovery claim
  4. Drafting and sending a letter before action to the other side outlining your claim and position
  5. Dealing with the response, if any
  6. Drafting and finalising your particulars of claim
  7. Issuing your claim at the court
  8. Dealing with the defence from the other side
  9. Progressing through the standard debt recovery claim process
  10. Settling the claim out of court or going to trial if no settlement can be reached
  11. Enforcing the judgement if it’s in your favour or appealing any decision if unsuccessful, if there is reason to believe this would be successful

Not not every case will go through all of these stages. Many cases will be resolved after stage 4 if the evidence is compelling and the breach is clear.

How Can Our Commercial Debt Recovery Solicitors Help?

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Solicitors in Brighton Paul

Paul Britton

Head of Litigation, Solicitor Director

Solicitors in Brighton Joe

Joseph Navas


Solicitors in Brighton Rory

Rory Lindsay


6 Reasons to Choose Britton and Time’s…

Commercial Debt Recovery Solicitors

Britton and Time is proudly regulated by the Solicitors Regulation Authority and our solicitors believe in offering no nonsense, common sense advice with up-front pricing. We do this through our 6-point service guarantee:


We will offer fixed fees where possible, and if not, we will state clearly what your case is estimated to cost, alongside hourly rate options so you can judge what works for you


We will inform you when we know there will be third party costs to be paid. If additional third party payments are required, we will always seek your approval first


We will let you know how long your case will take, what delays you can expect, and our solicitors will always reply to you in a timely manner


We bill every month, with detailed accounts of what you are being charged for. Our solicitors are happy to discuss if you have any questions about your bill.


Before work starts, we will tell you what work needs to be done to reach the best outcome for you, and what your options are once you reach that point


We never take on cases we do not feel we can do justice and if your case does not need a solicitor, we will tell you just that and advise you what your options are

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