An easier way to recover business debts

We follow recognised debt recovery processes and protocols to pursue the resolution of outstanding debts in a fair, lawful, and commercially effective manner.

Business Debt Collection and Recovery

Chasing overdue payments and unpaid invoices is time-consuming, stressful, and damaging to cash flow. Prompt, professional action sends a strong message and can significantly improve our chances of recovering money owed under binding agreements.

Our recovery department is efficient. We apply a structured recovery process informed by established UK commercial practices, drawing on established UK commercial and legal frameworks — which inspired our trading name — to help us resolve outstanding debts swiftly and fairly. We aim to recover funds without escalating tensions, preserving our reputation and commercial relationships wherever possible.

Our Service

We are committed to providing a quality service. We strive for excellence in all that we do.

Clear Assessment & Guidance

We begin by reviewing the current situation. This evaluation helps us understand the options to address outstanding payments, providing clear, objective information.

Strategic, Compliant Approach

We follow a structured, transparent process designed to secure funds in a fair and compliant manner while safeguarding our reputation and maintaining business relationships.

Discreet, Professional Resolution

We focus on achieving a swift and respectful resolution. By employing clear, measured steps, our approach aims to recover funds effectively.

What We Do

Our Proven Approach - Ensuring money owed Is Paid

Letter of Demand to the Debtor

A pre-action protocol letter before claim is tailored to reflect the specific circumstances of each case, with careful consideration given to the facts and contractual position—rather than relying on a generic or template approach.

Contact the Debtor

We maintain consistent and professional contact with debtors to help resolve matters efficiently, create a sense of urgency, and encourage timely resolution.

Negotiation

Where necessary, and throughout the recovery process, our team will engage with our debtor to facilitate payment and address any disputes that may arise

Legal Action

Depending on the debtor’s response—or lack thereof—we will assist our parent company in initiating court proceedings as the next step in the recovery process.

Enforcement proceedings

Where appropriate, we may refer matters to authorised third-party enforcement agencies or assist our parent company in pursuing enforcement through the courts. These actions may include applications for an Order to Obtain Information, Warrant of Control, Attachment of Earnings Order, or Instalment Order — depending on the judgment outcome and the debtor’s circumstances.

Whilst we support the recovery process, we do not provide legal advice. If you require legal guidance, we recommend consulting an independent, qualified legal professional. UK Financial Law is a trading name and not a law firm, regulated debt collection agency, or FCA-authorised entity. We operate as a debt recovery service under a trading name of Co. #14303027, experienced in applying UK commercial recovery processes to assist with the recovery of outstanding debts on their behalf. We are not registered as an FCA-authorised entity and do not provide regulated legal or financial services.

Our Mission

To support the resolution of outstanding unpaid debts in a concise, commercially minded, and value-driven manner—applying structured processes that encourage swift and fair outcomes.

We believe the most effective way to support those we assist is by taking a commercial, pragmatic approach to resolving outstanding debts. Our focus is on achieving the best possible outcome in the most efficient manner.

We understand the commercial pressures faced by our parent businesses. Our experience allows us to approach each matter with clarity, speed, and a strong understanding of business realities.

Core Values & Ethos

Our values shape how we operate every day—both within our organisation and in how we interact with those we support:

Excellence – We are committed to delivering a consistently high standard of service.
Determination – We act with direction and purpose to pursue meaningful outcomes.
Pragmatism – We offer practical, commercially focused guidance tailored to real-world challenges.
Integrity – We communicate openly, honestly, and with transparency.
Passion – We take pride in our work and the impact it has.
Care – We genuinely care about achieving the right result for those we assist.