COLLECTION
PROCESS
THE DEBT COLLECTION
PROCESS
There are three main stages to our standard debt collection process: Letter Before Action, Court Proceedings, and Judgment and Enforcement.
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1. Letter Before Action (LBA)
We send formal written notice stating the outstanding debt and reserving the right to proceed to court action. Many debts are settled at this stage.
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2. Court Proceedings
If payment is not made, we issue a claim form with the Court to begin formal legal proceedings.
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3. Judgment and Enforcement
If the debt remains unpaid once the Court's deadline has passed, we obtain a CCJ and apply for enforcement action.
FAQs
It starts with a Letter Before Action, then court proceedings if needed, followed by judgment and enforcement if the debtor still does not pay.
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At Thomas Higgins, we put you in control of your corporate debt recovery. You decide whether to proceed to each next stage, because you know your clients better than we do, so you are never throwing good money after bad.
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