How to recover a debt

How to recover a debt, there are typically 3 steps to our debt recovery process:

A Letter Before Action

A Letter Before Action (LBA) is a formal letter that requests the payment of a debt to your business and warns of the imminent issue of a court claim.
An LBA sets out what is owed to your business from a debtor and provides a set time period – usually 7 days – in which to pay. This is an essential requirement of the debt recovery process. Before issuing any legal proceedings, a Letter Before Action must be sent or costs may be forfeited.

A County Court Claim

To issue your claim you must file with the court a claim form and particulars of claim. Most cases are now issued out of the County Court Money Claims Centre (CCMCC) if filed by paper, or by the County Court Bulk Centre (CCBC) if issued electronically.


Debt enforcement is the part of the debt recovery process that can occur once your business has been awarded a County Court Judgment (CCJ) against the individual or company that owes your money. The act of enforcing the judgment, which could potentially include seizing goods to sell it the other party refuses payment, is known as debt enforcement, meaning that this is the part of the process that directly results in your money, or part of monies owed, being recovered.

How to recover a debt, contact our specialist team today if you require further information on how to recover a debt.

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