COMMERCIAL
DEBT RECOVERY
COMMERCIAL
DEBT RECOVERY
Thomas Higgins is a firm of commercial debt recovery solicitors, focused exclusively on recovering legal debts owed by one business to another.
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Solicitor-led recovery
Unlike commission-based collection agencies & Solicitors, we operate on transparent, fixed fees, advising credit managers, accountants and business owners on the right recovery strategy for each case while keeping costs to a minimum.
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Full process
Our commercial debt recovery service covers the full process: from an initial Letter Before Action, through to issuing court proceedings, obtaining a County Court Judgment and enforcement where required.
What Is the Legal Debt Collection Process?
Legal debt collection typically follows four stages: Letter Before Action, Legal Claim, County Court Judgment and Enforcement.
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1. Letter Before Action
Before issuing legal proceedings, we send the debtor a formal Letter Before Action, giving them the opportunity to pay before the matter escalates.
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2. Legal Claim
If the Letter Before Action does not bring a satisfactory response, we issue legal proceedings through the County Court. The debtor is sent a court form requiring payment of the debt, plus interest and costs, within 14 days of that document being served.
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3. County Court Judgment (CCJ)
A CCJ is a court order confirming the debtor has defaulted on payment. It can be obtained as soon as the claim period expires, and it gives you the power to take enforcement action.
4. Enforcement
Once a CCJ is obtained, the debt can be enforced. At Thomas Higgins, debts of £600 or under, including costs and interest, are sent to the County Court Bailiff. Debts over £600 are transferred to a High Court Enforcement Officer.
THE DEBT COLLECTION APP
FROM THOMAS HIGGINS
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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Manage cases from anywhere
Manage and monitor your cases with up-to-the-minute information from our free iOS app. Issue instructions, check recovery status and see case updates within seconds of us logging them, all from your phone.
FAQs
Commercial debt recovery is the process of recovering unpaid debts owed by one business to another.
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A solicitor-led approach can move from pre-legal recovery to court proceedings and enforcement while giving clearer legal structure and fixed-fee cost control.
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If payment is not made, the next stage is usually issuing a legal claim through the County Court.
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If the debtor still does not pay, enforcement action can be taken to recover the debt.
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Yes. Clients can issue instructions, monitor case progress and view updates using the online portal and app.
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No. Updates are available through the online system.
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