Business Debt Recovery

Unpaid invoices can quickly disrupt cash flow and create uncertainty for your business. We provide debt recovery support helping you from early engagement through to formal escalation where needed.

Our debt recovery services are built for businesses that want a clear route to payment, transparent reporting and an approach that fits the value and context of the debt.

Where a matter escalates beyond non-payment into a disagreement about the contract, the work, or the amount claimed, we can also support through dispute resolution, helping you move the matter forward without unnecessary delay.

Debt Recovery Services for Businesses

We support organisations of all sizes with a flexible approach that can be used for a single overdue invoice or a high volume of invoices. Our team focuses on progressing matters efficiently, without unnecessary complications.

Our business debt recovery services can include:

Alongside recovering debts, we can help businesses strengthen internal credit control processes and reporting so that overdue accounts are identified earlier and handled more effectively, without the need for legal help.

Commercial Debt Recovery

If your customers do not pay, you need to ensure that your route to recovery is quick while remaining proportionate and commercially sensible.

We focus on resolving matters as early as possible but can also advise on escalation when a debtor doesn’t engage or if there are repeated broken promises. Where non-payment is linked to a wider disagreement (for example, allegations about service quality or the contract), our dispute resolution team’s experience helps you assess the position and choose the most effective route forward.

Business Debt Recovery That Fits Your Situation

Some debts are straightforward however others involve poor communication or slow-moving disputes. Our business debt recovery approach is designed to be adaptable, so you can apply the right level of pressure based on the likely response.

If you have multiple debts, we can support consistency across your processes and help you keep recovery activity organised and accountable. For many businesses, this kind of structure also supports business growth by improving cash flow predictability and freeing internal teams to focus on growth rather than chasing payments.

Tracing Debtors

If you don’t have accurate contact details, recovery often stalls before it starts. Tracing debtors helps when:

  • A debtor has moved premises or changed contact details
  • Your records are incomplete or outdated
  • You need to confirm the correct details before progressing
  • You have received no reply to communications

By resolving missing information early, our tracing service helps ensure your recovery steps are directed to the right place and can move forward efficiently.

Why Smith Partnership?

Business debt recovery outcomes often come down to the right strategy. Smith Partnership provides a consistent case progression which helps you recover what you’re owed without wasting time.

As an SRA regulated law firm and being recommended by The Legal 500, we support UK businesses and international clients with debt recovery that is designed to recover funds efficiently.

Don’t just take our word for it...

The team is proud to have been recognised by The Legal 500, which states: 

Under the leadership of Claire Twells, the 'strategic, results-driven' debt recovery team at Smith Partnership assists its portfolio of clients, which includes large organisations, in the range of matters. Twells stands out for her experience in educational debt recovery in particular, and works closely with clients in relation to internal credit control procedures.

‘As a company, Smith Partnership are highly respected and their big asset is approachability, which makes them stand out from other law firms.’

‘Claire Twells is my go-to debt recovery specialist, she is outstanding in her approach to debt recovery and even better, she gets results, and as such, I have referred her to many of my contacts.’

The Legal 500, 2026

Contact our team today

If you need support with debt recovery, speak to our expert debt recovery solicitors for guidance on the best next step. Please get in touch at 0330 123 1229, email us at info@smithpartnership.co.uk or complete our contact form  to request a callback.

FAQs

Business debt recovery covers unpaid sums owed to a business by a business or individual, from one-off invoices to larger volumes of debts. The approach can be tailored depending on the value of the debt, the debtor’s behaviour and whether there are complications such as disputes.

If the debtor disputes the debt (for example, challenging the contract, the work, or the amount owed), it may need a dispute resolution approach alongside recovery action. Our experienced team can help assess the position and advise on the most effective next step.

The earlier you act, the more likely you are to achieve payment. If payment terms have passed and chasing isn’t working, it’s usually sensible to get advice on the best next step before the debt becomes harder to recover.

Whilst all court fees are added to the debt, the solicitor’s recoverable costs are fixed by the court and in some instances, do not fully cover the costs involved. However, in most cases the interest claimed in the proceedings makes up for any shortfall.

Compensation and interest can be claimed in commercial contracts pursuant to the Late Payment of Commercial Debts (Interest) Act 1998 as long as your terms of contact do not specify alternative rates. Please click here for further details.

Yes! If your terms contain a clause in relation to interest, or interest can be claimed under the court rules. Please click here for further details. Country Courts Acts 1984.

There is no telling what stage of the debt recovery process will produce a positive outcome. Many pay following the issue of our seven-day letter but it is sometimes necessary to take the action as far as enforcement. Our aim is to get from one step to the other in the shortest amount of time, whilst maintaining pressure on the debtor to settle sooner rather than later. Please click here for details of the debt recovery flowchart.