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Commercial debt recovery is the process of pursuing payments of debts owed by individuals or businesses. Thomas Higgins specialises in legal debts owed by businesses to other businesses.

An organisation that specializes in debt collection is known as a collection agency. Most collection agencies operate as agents of creditors and collect debts for a fee or percentage of the total amount owed.

Thomas Higgins is a firm of specialist corporate debt recovery solicitors. We advise you, as credit managers, on the best strategy for their cases and ensure that costs are kept to a minimum.

What is the process of legal debt collection?

The process of collecting legal debts is typically done in four stages: Letter Before Action, Legal Claim, County Court Judgment, and Enforcement.

  • Letters Before Action: Before issuing legal proceedings, a letter before action should be sent to a debtor.
  • Legal Claim: If you send a letter before action to your debtor but do not receive a satisfactory response, then the next stage is to issue legal proceedings through the County Court. You will send the debtor a court form requiring them to pay the debt, plus interest and costs, within a 14-day deadline.
  • County Court Judgment: This is a court order that confirms that the debtor has defaulted on their payment. A CCJ can be obtained immediately after the expiry date of the Claim. The CCJ is the final decision by the Court which gives you the power to take enforcement action to collect the debt.
  • Enforcement: Once a CCJ has been obtained, it is then possible to “enforce” that debt immediately. Total debts, including costs and interest amounting to £600 and under, are sent to the county court bailiff. Total debts of over £600 we will send to an enforcement officer. We find this is the most appropriate method of enforcement based on our 40 years of experience and expertise in similar corporate debt recovery cases.

The Debt Collection App From Thomas Higgins

We believe in putting you in control of your commercial debt recovery. With Thomas Higgins, you will make the decision to proceed to the next stage. This makes sure you’re not chasing after bad because you know your clients better than we do. You can manage and monitor your cases with the latest information on our Apple and Android app.

Thomas Higgins Innovation

Thomas Higgins provides a free secure online service where you can issue instructions, view the status of your corporate debt recovery and see any updates to your cases. All of these are made available within seconds of us entering them. To access our online services, open an account for free and receive your login details on the same day.

Thomas Higgins Limited

Registered Office
Lloyds Chambers
19-21 Seaview Road
CH45 4TH

0151 452 0452

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