Commercial Debt Collection Service
Are you looking for reliable debt collection services?
Don’t let unpaid debt ruin your business. Our debt recovery service lifts the stress and pressure from SMEs, allowing you to focus on growth while we handle the difficult conversations.
What is a Commercial Debt Collection Service?
Commercial debt collection is the process of recovering unpaid invoices or debts owed by one business to another. In simple terms, it’s what happens when a company has supplied goods or services to another business, issued an invoice, and payment has not been made within the agreed terms.
Pre-Legal
Debt Collection Service
Recover the money you’re owed quickly and without the cost or complexity of legal action. Our pre-legal debt collection service is designed to deliver faster results, avoid court fees, and keep the process straightforward for everyone involved.
At Jack Russell, we step in when your internal efforts have been exhausted. Before you commit to legal proceedings, let us handle the recovery for you. With our no success, no fee promise, you only pay when we deliver results.
Post-Legal
Debt Collection Service
When legal action is required, we use our expertise and persistence to recover what you’re owed while keeping costs to a minimum. Court fees are passed directly to the debtor wherever possible.
We always act professionally and respectfully, protecting your reputation and existing customer relationships.
Our team works proactively to reduce legal costs, guide you through the best litigation options, and advise on the most effective route to recovery. If a dispute arises, we provide clear, practical advice to reach a fast and positive outcome.
Where applicable, we can also add interest under the Late Payment Act to maximise your recovery.
Trace a Debtor
How We Track Down Debtors
If a debtor has disappeared, finding them can be difficult — but that’s where we come in. Using the right technology and proven investigative methods, we successfully locate 90% of absconding debtors, with most traced within six weeks.
Our process is fully GDPR-compliant and may include checks at last known addresses, local enquiries, and targeted telephone tracing to quickly establish a current location.
If you need to trace a debtor, contact us as early as possible. We’ll assess your situation and put the right strategy in place to help you recover the money you’re owed — fast.
Fast action, clear communication, fair methods, and results-focused recovery — every step of the way.
4 Step Debt Collection Process
Initial Assessment & Instruction
- We review the debt details, confirm the amount owed, and assess the most effective recovery approach. Once instructed, we act quickly to begin the recovery process without unnecessary delay.
Professional Pre-Legal Recovery
- We contact the debtor using fair, compliant methods to secure payment or agree a suitable repayment plan. In most cases, this stage resolves the matter without the need for legal action.
Legal Action (If Required)
- If pre-legal recovery is unsuccessful, we escalate the matter appropriately. This may include formal legal correspondence, mediation, or court proceedings, always keeping you fully informed before taking the next step.
Enforcement & Resolution
- Where necessary, we enforce the judgment through approved legal channels to recover the debt. Once payment is secured, the case is concluded and funds are returned to you promptly.
Statutory Demands
A Statutory Demand is one of the most effective tools for recovering undisputed debts from individuals or companies, provided the debt is less than six years old. Issued by Jack Russell, it gives debtors 21 days to respond by paying in full or agreeing a payment plan. We can also arrange to personally deliver the Statutory Demand—see our Legal Process Servers page for details.
Helping you reclaim what’s yours - fairly
Total Transparency & Communication
Real-time updates, clear reporting, and guaranteed response times. No unanswered emails, ever.
Clarity Every Step of the Way.
Results-Driven, Fast Start, Quick Action
We take action within 24 hours, with proven recovery strategies and industry-specialist collectors.
We work nationally across the UK, boasting an impressive track record of success.
Clear, Honest, Upfront Pricing
Simple, transparent fees. No surprises. No hidden costs. No registration fees.
If we can’t collect, you pay nothing. Our guarantee
Professional, Ethical & Fully Compliant Practices
Reputation-safe collections that protect your brand and follow UK compliance to the letter.
We’re tough on quality control, thorough in our investigate methods, competitive on our prices.
How do I start debt collection?
Fill in the form or call free on 0800 068 5151
Recovering money owed to your business can feel overwhelming, especially if your own attempts to collect the debt haven’t worked. Having the right information and documentation in place is essential to make the process quick, efficient, and successful.
Use our Debt Recovery Checklist to ensure you have everything you need before starting. By gathering these key details upfront, you can save time, reduce costs, and improve your chances of recovering the funds you’re owed.
Debt Collection Service Checklist
1. Debt Details
- Amount owed
- Due date(s) of payment
- Interest or late fees applied
- Original invoice(s) or contract(s)
2. Debtor Information
- Full name / company name
- Contact details (address, email, phone)
- Company registration number (if applicable)
- Last known address and alternative contacts
3. Evidence of the Debt
- Signed contracts or agreements
- Invoices or receipts
- Account statements showing unpaid amounts
- Emails, letters, or messages confirming the debt or reminders
4. Communication History
- Records of phone calls, emails, or letters sent
- Any responses from the debtor
- Notes on promises to pay or disputes raised
Fill in the form below to get started recovering what is owed.
Trusted by clients throughout the UK when it comes to debt collection and recovery.
We are a national debt recovery agency, with offices in Manchester, Whaley Bridge and London, boasting national UK coverage. We have clients across the UK including London, Manchester, Birmingham, Liverpool, Glasgow, Bristol, Cardiff, Edinburgh adn many more.