Legal Debt Collection Services UK
Most overdue debts can be resolved through professional engagement. But when a debtor continues to ignore reminders or refuses to pay, legal action may be the most effective next step.
Rezolva provides legal debt collection services in the UK that help businesses enforce payment while protecting their reputation. Working with trusted legal partners, we make the process clear, straightforward, and professional – guiding you from first notice through to enforcement.
- Letter Before Action
- County Court Judgements (CCJs)
- Statutory Demands
- Winding Up Petitions
Our legal process
Structured legal recovery designed to protect your business and get results
Every case is different, but when resolution is no longer possible, a clear and structured legal process ensures you recover what you’re owed. At Rezolva, we simplify this journey for you – explaining options in plain English, guiding you at every step, and only progressing with your authority.
If further escalation is needed, we work with our specialist legal partners to progress matters through the courts – from issuing claims to enforcing judgments. Throughout, you remain fully informed, with access to updates via our secure client portal.
1. File Review
2. Letter Before Action (LBA)
3. County Court Judgment (CCJ)
4. Enforcement
5. Statutory Demand
6. Winding Up Petition
1. File Review
File Preparation & Review
We conduct a full review of your case, including debtor status, financial position, and supporting evidence. At this stage, we advise whether a County Court Judgment (CCJ) or a Statutory Demand is the most appropriate course of action, depending on the size, nature, and circumstances of the debt. In some cases, a Winding Up Petition may also be considered as the ultimate enforcement remedy.
2. Letter Before Action (LBA)
Letter Before Action (LBA)
Our legal partner issues a Letter Before Action. This formal notice sets out the outstanding balance, statutory interest, and charges, together with a deadline for payment. It demonstrates that you are prepared to escalate matters through the courts. Many cases are resolved at this stage without further action.
3. County Court Judgment (CCJ)
County Court Judgment (CCJ)
If the debtor fails to respond, we can pursue a County Court Claim, leading to a CCJ. This is a legally binding court order requiring payment and a powerful tool in commercial debt enforcement UK. A CCJ also damages the debtor’s credit rating, increasing pressure to settle the debt quickly.
4. Enforcement
Enforcement of CCJs
Where a debtor ignores a CCJ, Rezolva supports enforcement options to ensure compliance. This may include High Court Enforcement Officers, charging orders, or other measures to secure payment. This step makes business debt collection through the courts effective, not just symbolic.
5. Statutory Demand
Statutory Demand
As an alternative to a CCJ, a Statutory Demand may be used for larger or undisputed debts. This gives the debtor 21 days to settle in full. If they fail to comply, it provides evidence of insolvency and creates grounds for a Winding Up Petition.
6. Winding Up Petition
Winding Up Petition
As the ultimate remedy, a Winding Up Petition can be filed against a company that refuses to pay. Once advertised, it freezes the debtor’s bank accounts and may result in compulsory liquidation. This is one of the strongest forms of legal debt recovery available in the UK.
Legal Recovery Calculator
The cost of undefended legal action
Use this calculator to estimate the cost of issuing undefended legal action on an overdue debt.
It includes collection costs, statutory interest, the Letter Before Action fee, admin fee, solicitors costs on issue and the applicable court issue fee based on the total claim value.
Enter the debt value and due date to estimate the cost of legal recovery.
Claim value for court fee purposes
Includes collection costs, interest and solicitors costs on issue.
Total estimated legal cost
Includes the Letter Before Action fee, admin fee, solicitors costs on issue and the applicable court issue fee for undefended action. The claim includes the debt, interest, collection costs and solicitors costs. All costs shown are recoverable from the debtor.
We start with amicable resolution before escalating to legal action.