Every route to getting paid — compared
There’s rarely a single “right” way to recover a debt. The best route depends on the amount, the debtor and how quickly you need to act. Here’s how the main options stack up.
Letter before action (LBA)
Best for: a first formal move on most debts
A pre-action letter setting out what’s owed and giving the debtor a deadline to pay before court. Low cost, and often all it takes. Required under the pre-action protocol before you issue a claim.
Debt collection agency
Best for: hands-off recovery, aged debt
A professional agency chases the debt for you — usually on a no-recovery, no-fee basis. Ideal when you don’t have the time, or the relationship has broken down. We match you to a vetted partner.
Statutory demand
Best for: undisputed debts, quick pressure
A formal demand for £750+ (companies) or £5,000+ (individuals). Ignore it and the creditor can petition for winding-up or bankruptcy — which makes it a strong incentive to pay. Not for disputed debts.
County Court claim & CCJ
Best for: debtors who won’t engage
Issue a claim through the courts and, if successful, obtain a County Court Judgment (CCJ). A CCJ damages the debtor’s credit and is the gateway to enforcement.
High Court enforcement
Best for: judgments over £600
Transfer an eligible judgment up to a High Court Enforcement Officer (HCEO). They have stronger powers and tend to act faster than County Court bailiffs.
International recovery
Best for: overseas debtors
Cross-border debts handled through partners with local legal knowledge and language coverage — from a friendly demand to enforcement abroad.
We’ll match the route to your case
Answer a few quick questions and we’ll recommend a realistic path — and, if it helps, introduce a vetted agency suited to the job.