Our Approach Consumer Debt

Whether you are an individual with a problem debtor or if you are struggling to pay a debt, our team can help you.

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Are you an individual looking to recover a debt?

We do not exclusively offer business-to-business debt recovery. If you are an individual with a problem debtor, you can send your debtor a pre-sue letter. If you'd like to talk to us about your specific requirements, or if you are worried about the solvency of your debtor, please contact our team and we can discuss the best procedure for getting your money back.

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Do you have a debt to pay?

If you are struggling to pay a debt, there are various options available. In many circumstances, you may be able to enter into an instalment plan for payment over an agreed period of time to suit your financial circumstances – please contact our team if you would like more information on this.

There are numerous online resources which provide debt recovery advice, including Money Advice Scotland and Money Advice Trust.

Are you concerned about your debtor’s solvency? 

If you are chasing debtors, no doubt others are too – so we understand that you will want to get yourself to the front of the ‘queue’ to maximise your chances of recovery. If you are particularly concerned about the solvency of some of your debtors, please get in touch with us.

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I wish to express my thanks to your company and staff for the excellent service that you have provided. Due to your expertise, I have recovered a substantial amount of my outlay. I therefore thank you, and have recommended your company to the local County Court.


Powerful Debt Recovery Solutions Tailored to Your Needs

  • Pre-Litigation

    You do not always need to take court action to recover what is owed – often, talking with the customer through e-mail, phone or letter is enough. Before starting official legal proceedings, we recommend you send a Letter Before Action (pre-sue letter).

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  • Court Action

    If court action is necessary, experience has taught us that the quicker you start legal proceedings, the better chance you have of recovery. As soon as we receive your instructions, we move into action and can issue proceedings anywhere in Scotland.

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  • Fast-Track Collection

    If you are concerned about payment of a large debt and think your debtor is in financial difficulty, you should consider fast-track collection. This is available for individuals and limited companies, but the debt must be undisputed.

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Frequently Asked Questions

  • How likely are you to accept my case(s)?

    In general, we are very likely to accept your cases but first require to carry out conflict of interest checks.

  • How quickly can I expect a response from your team?

    We aim to respond to all case instructions within 1-2 working days. If you have not heard back from us within two working days of your enquiry, please give us a call to speak to a member of our team.

  • Will I have a dedicated point of contact for the duration of my cases?

    In order to provide a first-class service at all times, we will endeavour to ensure that you have a dedicated point of contact for the duration of your case. In the event that your key point of contact is unavailable for any reason, our online case management system allows all members of our team to instantly see the latest developments in your case in real time, therefore any member of our team will be able to provide assistance when you need it.

  • Can I arrange an in-person meeting with you?

    We would be delighted to meet with you in-person or virtually (via Microsoft Teams). If you would like to arrange a meeting, please do not hesitate to contact us to discuss availability.

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  • After submitting the online pre-sue letter, is there a confirmation e-mail sent to indicate receipt of instructions?

    Once you submit your online instructions, you will see an onscreen message saying that this been sent to our team and you will receive an automated e-mail. Once we issue your debtor with the LBA, we will e-mail you to confirm this.

  • I’m looking to recover an international debt from Scottish debtors – can you help me?

    If you are a Scottish company/individual who wishes to sue a debtor abroad or if you are based abroad but have a Scottish debtor you wish to recover money from, there is certainly no need to ‘write off’ your debt simply because you and your debtor live in different countries. Please get in touch with us to find out how we can help you.

  • Neither party is Scottish – what are my options?

    Should neither party be Scottish, we have strong relationships with many firms out with Scotland and can recommend firms for you to contact for assistance. Please get in touch with us for more details.

Ready to Get Started?

Our track record for succcessful recoveries means you have just moved one step closer to getting your money back. Complete our online enquiry form and a member of our team will be in touch to discuss your case and the next steps.

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