Business Debt Enforcement

Debt Recovery Solicitors | Fixed Fee | No Win No Fee
Free Consultation | DIY Online Legal Documents

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Debt Recovery Solicitors and Fixed Fee Quotes

  • Debt recovery solicitors and fixed fee quotes
  • No Win – No Fee options
  • Leading UK debt recovery solicitors
  • DIY online interactive legal debt recovery letters
  • FREE legal advice

Contact us here with any of our business needs, for free and with no-obligation, to receive details of our special offers and solutions to your needs.

Debt Recovery Solicitors – Fixed Fee Quotes – No Win No Fee

We have cherry picked a select panel of highly recommended and specialist solicitors. Our debt recovery solicitors offer fixed fee quotes and “No Win – No Fee” options. Between our panel of solicitors, they have achieved:

  • Law Society accreditation’s to demonstrate expertise
  • Nomination in ‘The Legal 500 Top Tier’
  • Nomination in the ‘Top 100 law firms’
  • Award winning solicitors

As a member you receive specialist solicitors, with the same specialist service, at discounted prices.

Cashflow is king for every business.

In the UK:

  • Nearly 7000 businesses fail in the UK every week
  • 38% of businesses state most invoices are paid outside of agreed payment terms. Over 30% of SME’s cited “late payment” as their major obstacle to future success

Contracts & Systems

Every business must carefully consider:

  • The effectiveness of their contracts/terms and conditions (our specialist panel solicitors and online legal document library can assist you if you are concerned about this)
  • The invoices and terms included
  • The system/process for invoicing, monitoring and alerting the key teams/people to issues
  • Budgeting for unpaid invoices and “write offs”.


Every business must consider un-paid invoices carefully and decide upon the right strategy and execution.

Clarity for the people in the business is crucial and there is much to consider, such as:

  • Via what method do you chase the invoice? Email, post, call?
  • How long do you wait before threatening action?
  • How much flexibility do you want (of can) afford to the debtor?
  • Is there a commercial consideration? E.g. is this a long-term loyal customer? Is this a customer to whom the business heavily relies upon? Is there a danger in losing the customer if not handled correctly?


  • Our solicitors will provide you with free initial advice where you have unpaid invoices and require help
  • If you decide to take legal action there are options where the solicitor can take on your case on a “No Win – No Fee” basis.
  • Funding for issue fees, with insurance to protect you against adverse costs or recoverability of the issue fees, can also be put in place by the solicitor
  • Alternatively, our online legal document library has all the documents you need to chase and enforce debts in-house.
  • Non-members can purchase these documents whilst My Legal Club members receive all the documents for FREE. Check out our online legal document library.

When un-paid invoices become a serious consideration for the business there are a range of options.

Each business may need a different strategy due to the nature of their business, the product or service they provide, and the customer relationships.

You may need a different strategy as a retailer to that of a professional in the services industry. Your customer may be a one-off customer purchase rather than a long-term customer you wish to retain.

Be aware in England, Wales and Northern Ireland, the Limitation Act 1980 causes a debt to become unenforceable after 6 years. In Scotland, the Prescription and Limitation (Scotland) Act 1973 causes a debt to become unenforceable after 5 years in Scotland.

Deciding upon the right strategy for your business is crucial but what are your options? Below is a summary of the choices your business has:

An initial payment reminder can be polite and clear

Depending on your industry, relationship and personal choice this can be via phone, email or letter. We would recommend email to avoid any conflict or emotion and to ensure a clear record is available of the steps taken. Often reminding the debtor that the payment is now overdue is enough to prompt payment.

Find out further information

If a polite initial reminder is unsuccessful providing the business with an opportunity to confirm why, what they can do, and that you are willing to help can often lead to a positive outcome. Is the debtor suffering a temporary cash-flow problem? Is it something wider that would concern you moving forward? Can you agree to a flexible repayment method?

Formal letter

If you continue to be ignored, or, your good faith is not rewarded, and the debtor does not comply with any date for payment then a formal reminder letter for continued outstanding invoice payment should be used. This is a letter of reminder to a debtor that an amount has not been paid under an invoice despite a previous reminder. The letter specifies where interest and reasonable recovery costs are payable and calculates the relevant amounts.

Present and future?

We would recommend trying to find out from the business what the present and future relationship looks like. Try to speak to them, off the record, to understand whether this is a deliberate tactic due to them being unhappy with you or your service. Is it because of a temporary cash-flow problem? Is it due to something wider which means the liquidity of the customer must be questioned?


You may be able to negotiate a payment plan and may also need to ensure future work is paid for in full and upfront or even part upfront and part on usual invoicing terms.

Legal action

If all else fails you can (subject to various terms) consider the below options. Generally, it is important to know the debtor has or is likely, to have the funds available to pay you:

You may be able to negotiate a payment plan and may also need to ensure future work is paid for in full and upfront or even part upfront and part on usual invoicing terms.

You may be able to negotiate a payment plan and may also need to ensure future work is paid for in full and upfront or even part upfront and part on usual invoicing terms.

Instruct a debt collector

Fees range from between 5% and 15% of the invoice being pursued and many operate on a ‘No Win, No Fee’ basis.

You may be able to negotiate a payment plan and may also need to ensure future work is paid for in full and upfront or even part upfront and part on usual invoicing terms.

Issue County Court proceedings

Money Claim Online is an internet service to quickly issue court proceedings for sums of £100,000 or less. If the debtor does not pay, or successfully defend the claim, they will receive a CCJ which will adversely affect their ability to secure borrowing. It is cheaper to use the online service than via the County Court directly.

You may be able to negotiate a payment plan and may also need to ensure future work is paid for in full and upfront or even part upfront and part on usual invoicing terms.

Issue a Statutory Demand

We would strongly recommend obtaining legal advice before taking this step. A key consideration is “will the business want to avoid a compulsory liquidation?” If the debtor has a prospect (this does not necessarily need to be a good prospect) of defending the claim then the Statutory Demand can be set aside and leave you with an adverse cost order. Our panel solicitors are experts in this area and can advise you to ensure you make the right decision. If you issue a Statutory Demand the parties have 18 days to resolve the issue and if not the debtor must pay in full within a further three days (21 days in total). Once this period is up you can wind the offending company up (compulsory liquidate) to try and get what is owed.

How we can help

You can still use our debt enforcement services even if you are not a member.

You can access:

Our members benefit from:

  • Unique discounts with our specialist panel of solicitors
  • Free and unlimited access to the online legal document library
  • Additional benefits for both the business and employees

Interactive legal libraries for business

Here is a short video showing the unlimited interactive legal libraries and how easy it is to complete legal templates to help your business.

Our Business Services

We are delighted to support businesses across a number of different channels. You do not need to be a member to enjoy many of our services. Click on the sections below to find out more information regarding our specialist business solutions.

Business Legal Club | Specialist Solicitors & Legal Documents

The Business Legal Club provides your business with access to highly recommended specialist solicitors and online legal documents in HR, commercial, debt, and employment law

Regardless of the size, age, turnover, or sector of your business we support all your in-house and outsourced legal requirements.

Businesses do NOT need to be a member to benefit from:

Business Legal Club members benefit from:

  • Discounted legal fees with our specialist team of business solicitors
  • In-house legal support via unlimited access to the commercial, debt, HR and employment interactive online legal documents
  • Discounts in the Business Services Club with leading commercial partners to support your business
  • 30-day money back guarantee
Employee Benefits Club | Unique Packages Available

According to Gallup, highly engaged workplaces see 20% higher sales, 21% higher overall profitability, 10% higher customer ratings and up to 67% lower employee turnover.

78% of workers would likely remain with their employer because of the benefits it offers.

80% of employees who said they have a good variety of benefits to choose from also said they identified strongly with their organisation’s vision and values, as opposed to 40% of those who don’t.

In any business securing and retaining exceptional employees is of critical importance.  

Employee Benefit Club clients receive a unique collection of benefits:

  • Online will
  • Power of Attorney for Health & Welfare
  • Up to 25% off legal fees in all areas of law potentially saving £1000’s
  • £20 voucher + 5% reward points in leading UK restaurants
  • 10% off Randox Health full-body health check packages
  • Dash-cam and accident detection app from 4Sight. This may reduce car insurance premiums with certain insurers and provide users with additional safety in the event of an accident via the accident detection support service where, if necessary, the emergency services will be called to the scene of the accident
Business Services Club | Specialist Commercial Partners

Every business can access the Business Services Club. Members receive a discount on fees with our Business Services Club partners. Non-members can still access our highly recommended partners in the Business Services Club.

Our management team has been in business for decades. Between us we have experience of working across many business sectors and within new start-ups, small businesses, and even plc’s.

We have sourced a panel of leading experts in their field who will provide specialist services to businesses of any size, sector, turnover, or age in our Business Services Club.

You may require a specialist service. You may not be happy with your existing suppliers and be considering a change. The Business Services Club includes, to name but a few:

  • Accountants
  • Finance managers
  • Business finance brokers/lenders
  • Training specialists
  • Web & hosting
  • Digital marketing
  • Event planning
  • Commercial insurance brokers

If we do not have what you need we will research the market and provide you with our recommendations!

Business Services Club clients receive a unique collection of benefits:

  • Leading commercial partners with fantastic value for money
  • Comfort knowing the business is recommended by the Business Services Club
  • One-stop shop for all your internal and outsourced business requirements
  • Increased productivity of management teams. The Business Services Club enables you to receive multiple quotes from specialist businesses recommended by the Business Services Club
  • Business Services Club partners can be removed from our panel meaning exceptional customer service, with value for money prices, is crucial to partners retaining a place on our panel
H.R. & Employment Law | Solicitor Support | From £4 Per Employee Per Month

If you prefer to select an outsourced HR & employment law package you benefit from one of our top tier Legal 500 specialist solicitors via their specialist business solutions.

Many H.R. and employment services are NOT provided by qualified solicitors but experienced consultants or call centres. Our specialist solicitors offer FREE and no-obligation quotes.

The fixed price employment package means there will be no unexpected costs, whilst ensuring your business is fully compliant with current law.

Your business will benefit from:

  • A telephone helpline with answers from experienced lawyers to the difficult questions you may face.
  • An annual health check audits your employment policies, handbooks and contracts, ensuring you all follow best practice and are fully legally compliant.
  • Employment contracts can be generated from approved templates.
  • A management toolkit provides step-by-step guides on how to deal with HR issues (such as grievances or disciplinary procedures) with supporting documents ready to download.
  • Reducing your organisation’s exposure to risk.
  • Self-service best practice employment guides, template documents and know-how are always available on-line.
  • Allows multi-site businesses to achieve the same consistent approach throughout the organisation.
  • Includes training on demand via podcasts and videos.
  • Optional insurance cover is available to protect against employment tribunal claims.

Contact My Legal Club

Here at My Legal Club our panel solicitors strive in bringing high-quality service to all our customers with their professional legal services.

If you require any information or have any queries regarding our services please get in contact with the provided form or email us on