Debt recovery

Mass Legal help its clients to recover debts owed to them. 

There is a slight distinction between debt collection and debt recovery because debt collection is between the creditor (A) and customer (B), while Debt recovery is between Mass legal a third party (C) and customer (B).

There are several steps involved in debt recovery and Mass legal adhere to the legislation which has been established to guide the debt recovery process.

The process of collecting commercial debts is typically done in four stages: Pre-Issue Letter, Claim Form, County Court Judgment, and thereafter Enforcement.

• Pre-Issue Letter: Before issuing any legal proceedings, a letter before action should be sent to a debtor
• Claim Form: If you send a Pre-Issue Letter 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 claim form requiring them to pay the debt, plus interest and costs compensation, if applicable within 14 days.
• County Court Judgment: Also referred to as a CCJ. This is a court order that confirms the debtor has defaulted on their payment. A CCJ can be obtained immediately after the expiry date of the Claim. The CCJ gives you the power to take enforcement action to collect the debt.
• Enforcement: Once a CCJ has been obtained, it is then possible in most cases to “enforce” immediately. Enforcement of a judgment order under £600.00 can be enforced using a Warrant of Control, this is issued to the County Court Bailiff. A judgment order more than £600.00 can be enforced using a Writ of Control, this can then be issued to a Hight Court Enforcement Officer. We find this is the most appropriate method of enforcement based on over 40 years experience and expertise in similar cases.