BUSINESS DEBT
COLLECTION & RECOVERY
Commercial Debt
Recovery Services
Thomas Higgins is a UK commercial debt recovery law firm focused exclusively on helping businesses recover unpaid invoices and business-to-business debts quickly, professionally and cost-effectively.
​
With decades of experience in commercial litigation and debt enforcement, we combine legal expertise with a streamlined, technology-driven process, so you can instruct us and monitor your case online in real time.
​
Our services include:
+ Pre-legal recovery resolving debts before court action is needed
+ Debtor tracing locating debtors who are avoiding payment
+ Issuing court proceedings formal legal action through the County Court when required
+ Obtaining County Court Judgments (CCJs) securing a legal ruling in your favour
+ Enforcement action recovering what you're owed once judgment is granted
​
Fixed-fee promise
We work on transparent, fixed fees rather than commission, so you always know exactly what you are paying. Our approach is direct and professional, built to protect your cash flow while preserving commercial relationships wherever possible.
Our Debt
Collection Process
There are three main stages to our standard debt collection process:
1. Letter Before Action (LBA)
We send the debtor formal written notice stating the value of the outstanding debt and reserving the right to proceed to court action. Many debts are settled at this stage without the need to take matters further.
2. Court Proceedings
If payment still is not made, we issue a claim form with the Court to begin formal legal proceedings.
3. Judgment and Enforcement
If the debt remains unpaid once the time allowed by the Court has passed, we obtain a County Court Judgment (CCJ) and apply for enforcement action via the County Court Bailiff or High Court Enforcement Officer to recover what you're owed.
Debt Recovery News & Legal Insights
Practical, up-to-date guidance on commercial debt recovery, late payment law and credit control for UK businesses, written and reviewed by experienced debt recovery specialists.
​
Recent topics include
+ Pre-action protocols what they are and how they affect your claim
+ How to serve a County Court Judgment (CCJ) the correct legal process, step by step
+ Late payment charges what you're entitled to claim and when
+ Recovering multiple outstanding debts strategies for managing several debtors at once
Debt Collection Costs
& Fees
Since 1980, Thomas Higgins has helped businesses across the UK protect margins, cash flow and long-term profitability through transparent business-to-business debt collection.
​
Fixed fees, no commission
With decades of experience in commercial debt recovery, we have built our reputation on a transparent, fixed-price approach: no hidden extras, no commission and no unnecessary complications. Our Letter Before Action service costs from just £25 plus VAT and achieves a 90% plus average success rate.
​
Cost clarity
Unlike many debt recovery solicitors and collection agencies that charge on commission, our fixed-fee model gives you clarity and control over costs at every stage of the recovery process.
FAQs
Free debt collection means that, where legally recoverable and successful, the court costs and fixed legal costs can be claimed from the debtor rather than being left as your business expense.
​
Yes, if a qualifying business invoice was paid late, you may still be able to claim statutory compensation and interest after payment has been received.
​
The usual stages are Letter Before Action, court proceedings, County Court Judgment and enforcement.
​
A Letter Before Action can usually be issued quickly once the debtor details and amount owed have been provided.
​
A standard Letter Before Action starts from £25.00 plus VAT.
​
In qualifying commercial debt claims using a Late Payment Demand, certain legal costs, compensation and interest may be recoverable from the debtor.
​
Thomas Higgins provide a highly professional and effective debt recovery service. Their communication is clear, the process is straightforward, and they deliver results efficiently. I would not hesitate to recommend them to any business needing reliable support with outstanding debts.
Highly recommend Thomas Higgins Solicitors, they have helped in recovering debt owed to my business. Very easy and simple process via their own app. Thank you!
Extremely impressed with the service offered. Easy to set up an account and submit details via for the recovery of a batch of unpaid invoices. All late fees are calculated for you, along with legal fees. Payment has finally been received 2 days following the letter being issued. Would highly reccomend.