Practice areas · Debt collection
Demands, proceedings, and enforcement for commercial creditors — with a candid view on which debts are worth pursuing and which are not.
Unpaid invoices damage a business twice: once in the cash that never arrives, and again in the time spent chasing it. The commercial question is rarely whether the debt is owed — it usually plainly is — but whether the debtor can actually pay, and what it will cost to make them.
We answer that question first. There is no point obtaining a judgment against a company with no assets, and we will tell you when that is the position rather than bill you to find out.
A formal demand on chambers’ letterhead, which resolves a surprising proportion of debts without proceedings.
Issuing and pursuing a claim through to judgment where the debtor will not engage.
Turning a judgment into money — the step most creditors underestimate.
Insolvency pressure against companies where it is the appropriate and proportionate route.
Payment plans and compromises that recover more, sooner, than a judgment often does.
Tightening your contracts, terms, and security so the next debt is easier to recover.
Clients are often surprised that winning is the middle of the process rather than the end. A judgment is a court’s confirmation that the money is owed; collecting it is a separate exercise requiring separate steps against whatever assets the debtor actually has.
This is why we assess recoverability before issuing anything. A cheap judgment against an empty company is worse than no judgment, because it feels like progress while costing you money.
Debts get harder to recover with age. Records fade, debtors dissolve or dissipate assets, other creditors arrive first, and limitation periods eventually close the door entirely. The creditor who acts at ninety days recovers far more often than the one who waits a year hoping it resolves itself.
Barbados