{"id":2162,"date":"2025-11-17T13:01:01","date_gmt":"2025-11-17T13:01:01","guid":{"rendered":"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/?page_id=2162"},"modified":"2025-11-18T08:53:34","modified_gmt":"2025-11-18T08:53:34","slug":"how-to-chase-business-debt","status":"publish","type":"page","link":"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/business\/debt-recovery\/how-to-chase-business-debt\/","title":{"rendered":"How to Chase Business Debt"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2162\" class=\"elementor elementor-2162\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54c79eb1 e-con-full Inner-banner-section e-flex e-con e-parent\" data-id=\"54c79eb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-49199f55 e-con-full Inner-banner e-flex e-con e-child\" data-id=\"49199f55\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4f4908eb e-flex e-con-boxed e-con e-child\" data-id=\"4f4908eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79e5cd8c elementor-widget elementor-widget-heading\" data-id=\"79e5cd8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">How to Chase Business Debt\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9136965 e-con-full Breadcrumb_template e-flex e-con e-parent\" data-id=\"9136965\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b72f88a elementor-widget elementor-widget-template\" data-id=\"1b72f88a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"1076\" class=\"elementor elementor-1076\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-360665ce e-con-full Breadcrumb-section e-flex e-con e-parent\" data-id=\"360665ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4eba893c e-con-full Breadcrumb e-flex e-con e-child\" data-id=\"4eba893c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39389b50 elementor-align-left elementor-widget elementor-widget-breadcrumbs\" data-id=\"39389b50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/\">Home<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9e83d7 e-con-full content-box e-flex e-con e-parent\" data-id=\"9e83d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-55825f3c e-con-full content-box-full e-flex e-con e-child\" data-id=\"55825f3c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-44fb034 e-con-full content-side-right e-flex e-con e-child\" data-id=\"44fb034\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e7cac1f elementor-widget elementor-widget-heading\" data-id=\"7e7cac1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Chase Business Debt\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bc6802b elementor-widget elementor-widget-text-editor\" data-id=\"5bc6802b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Overdue payments and outstanding debts can be the curse of SMEs, not least when a business is still in its relative infancy. A build-up of unpaid credit or non-payment from customers can create huge problems with cash flow for even a long-standing and well-established business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5343b96 elementor-widget elementor-widget-text-editor\" data-id=\"5343b96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It is therefore essential that you understand how best to recover business debts, from the correct procedural aspects to the crucial economic considerations when contemplating taking legal action. In some cases, the recovery of bad debt may cost your business more in terms of time and expense, so you will also need to assess when best to take legal steps and when it\u2019s better to cut your losses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26b03705 elementor-widget elementor-widget-heading\" data-id=\"26b03705\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Free debt review from Three Graces Legal\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3149ada2 elementor-widget elementor-widget-text-editor\" data-id=\"3149ada2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>At Three Graces Legal, we offer a free debt review, with tailored and bespoke solutions to save you time and money and prevent repeat debt in the future. We will work with you, as trusted advisors, to help recovery outstanding debt owed to you, whether this is more than one debt.\u00a0<a href=\"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/contact-us\">Get in touch<\/a>\u00a0with us today to find out how we can help you chase business debt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a4a5bdd elementor-widget elementor-widget-heading\" data-id=\"2a4a5bdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Formally request payment\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-461382ad elementor-widget elementor-widget-text-editor\" data-id=\"461382ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Where payment falls overdue, it&#8217;s not uncommon for businesses to provide customers with a short period of grace before chasing any debt. A gesture of goodwill of this kind can very often help to maintain a healthy working relationship with a valued customer, so long as this doesn&#8217;t impact financially on your business. Very often, customers will only be a few days late in making payment, such that the matter can be resolved without any fuss.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db66c46 elementor-widget elementor-widget-text-editor\" data-id=\"db66c46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Equally, however, there can also be instances where payment has fallen long overdue, and this is now having a noticeable impact on your cash flow. In these circumstances, you may need to take action to recover this money.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-453afc8 elementor-widget elementor-widget-heading\" data-id=\"453afc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Contact the debtor in writing\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21c095c elementor-widget elementor-widget-text-editor\" data-id=\"21c095c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A tactical and measured approach is initially advisable. As such, your first step should be to contact the customer in writing to highlight the outstanding payment and to politely request that your invoice be satisfied as soon as possible, typically within 7 to 14 days.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c6682f elementor-widget elementor-widget-heading\" data-id=\"2c6682f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Use the telephone if appropriate and necessary\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9331584 elementor-widget elementor-widget-text-editor\" data-id=\"9331584\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In the event of no response, you may want to contact the customer by phone to ensure that they have received your correspondence. You may also want to resend the invoice by recorded delivery, or email with a read receipt facility, together with a further written request for payment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47b9468 elementor-widget elementor-widget-text-editor\" data-id=\"47b9468\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you still don&#8217;t receive a response, it is always best to keep the lines of communication open, as there may be a perfectly innocent explanation for why the payment hasn&#8217;t been made and\/or an easy solution to the problem. By endeavouring to talk directly to the customer, and to negotiate openly with them, you may be able to resolve the issue without recourse to more formal action.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09e6490 elementor-widget elementor-widget-text-editor\" data-id=\"09e6490\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>*TIP* &#8211; If you do utilise the telephone as a line of communication then it is always helpful to keep a note of the time, date and contents of the conversation for your records.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31e10be1 elementor-widget elementor-widget-heading\" data-id=\"31e10be1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Send a letter before action\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a33d44f elementor-widget elementor-widget-text-editor\" data-id=\"a33d44f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Even where all previous attempts to resolve the matter have failed, you should never issue court proceedings without first forewarning the customer of your intentions. Therefore, you will next need to send a &#8216;letter before action&#8217;, in other words, a letter explaining that unless payment is received within a specific timeframe, legal action will be taken.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7004706 elementor-widget elementor-widget-heading\" data-id=\"7004706\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Be firm, concise and unwavering\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44dc779 elementor-widget elementor-widget-text-editor\" data-id=\"44dc779\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Although it\u2019s perfectly acceptable to send a letter before action on your own business or company headed paper, by instructing a solicitor to send this on your behalf will demonstrate real intent to formalise matters in the event of non-payment. Your solicitor can set out the precise nature of the legal action that will be taken, together with the costs and other consequences that may ensue from any further failure to settle the debt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a11d18 elementor-widget elementor-widget-heading\" data-id=\"1a11d18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Retain copies of any letters\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dded0ef elementor-widget elementor-widget-text-editor\" data-id=\"dded0ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You should always ensure that you retain copies of any letter before action, and all other previous correspondence, to produce to the court to show that all reasonable steps have been taken to pursue the debt. It is not uncommon for courts to penalise claimants where they have elected to issue court proceedings prematurely, in other words, without first seeking to resolve the matter with the debtor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-183269b elementor-widget elementor-widget-text-editor\" data-id=\"183269b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Often, however, a pre-action letter will be sufficient to prompt a debtor into payment, without the need for court proceedings, but where this fails, here at Three Graces Legal our specialist\u00a0<a href=\"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/business\/debt-recovery\/claimant-debt-recovery-for-business\">debt recovery solicitors<\/a>\u00a0can protect the best interests of your business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f28bd75 elementor-widget elementor-widget-heading\" data-id=\"f28bd75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Issue court proceedings\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-962b031 elementor-widget elementor-widget-text-editor\" data-id=\"962b031\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If a debt remains outstanding following a letter before action, it is open to you to issue court proceedings. However, expert advice should always be sought as to whether this is the right way forward for you and your business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6de160 elementor-widget elementor-widget-heading\" data-id=\"b6de160\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assess whether the debtor can pay\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99eb951 elementor-widget elementor-widget-text-editor\" data-id=\"99eb951\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It would prove to be a futile exercise to sue someone who does not have the capital or assets against which a judgment sum can be enforced. In other words, can the debtor actually afford to pay? If not, serious consideration should be given as to whether recovery of a debt is worthwhile, or whether that particular payment should be written off altogether. In some instances, however, you may still want to take formal action to send a message to other debtors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e62487e elementor-widget elementor-widget-heading\" data-id=\"e62487e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What are the advantages and disadvantages of taking legal action to recover debt?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbdc2fe elementor-widget elementor-widget-text-editor\" data-id=\"bbdc2fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The legal route is usually one of last resort, but you should not be afraid to use it. By law, where services or goods have been rendered, you are entitled to the money owed, and you should not necessarily be dissuaded from seeking to recover what is owed to you. However, securing the right advice in the context of your business can be crucial in determining the best course of action for you to take, but here are some of the pros and cons:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e82fa91 elementor-widget elementor-widget-heading\" data-id=\"e82fa91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Advantages<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2a17c1 elementor-widget elementor-widget-text-editor\" data-id=\"c2a17c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>A claim from the county court may force your debtor to take the debt more seriously<\/li><li>It is a relatively cost-effective method of pursuing an unpaid invoice, and the fee is recoverable from your debtor<\/li><li>There are several ways to enforce the judgment<\/li><li>The claim can often prompt the debtor to pay their debt, as they do not want it to impact their ability to get credit and to avoid the hassle of court proceedings.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1feff52 elementor-widget elementor-widget-heading\" data-id=\"1feff52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Disadvantages\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36f16e4 elementor-widget elementor-widget-text-editor\" data-id=\"36f16e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>A claim does not necessarily result in payment. A judgment may have to be enforced to receive payment.<\/li><li>If the debtor defends the claim, this could lead to complex and ongoing proceedings<\/li><li>Enforcement of the judgment is not always successful; for example, the debtor may not have the funds to pay.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f275632 elementor-widget elementor-widget-text-editor\" data-id=\"f275632\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you do decide to pursue the monies owed to you through the Courts then it is imperative that you seek the services of an experienced team of lawyers in order to ensure you recover the original debt amount owed to you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-008a338 elementor-widget elementor-widget-text-editor\" data-id=\"008a338\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>*TIP* &#8211; Do you know under the Late Payment of Commercial Debts (Interest) Act 1998 and Late Payment of Commercial Debts Regulations 2002 &amp; 2013 you can add costs, compensation and interest to the amount you are already owed?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a225493 elementor-widget elementor-widget-text-editor\" data-id=\"a225493\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It is open to you to proceedings through the county court. This is a formal process whereby the debtor will be sent a court form requiring them to pay the debt, plus interest and costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-155c655 elementor-widget elementor-widget-text-editor\" data-id=\"155c655\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>However, the law relating to debt recovery can at times be complicated, with comprehensive rules as to the correct procedure to follow. Indeed, the prevention of procedural failures is one of the key reasons to instruct a specialist solicitor, to ensure proceedings are dealt with expeditiously and effectively, from issue through to enforcement.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b40c080 elementor-widget elementor-widget-heading\" data-id=\"b40c080\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. Enforce judgment\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85b64b9 elementor-widget elementor-widget-text-editor\" data-id=\"85b64b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Where a county court judgment (CCJ) is successfully secured against a debtor, unfortunately, this does not necessarily mean that payment will be forthcoming. However, what sets Three Graces Legal apart from other debt recovery firms is that we will ensure you get the money owed to you, taking\u00a0<a href=\"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/business\/commercial-litigation-dispute-resolution\/judgment-enforcement\">enforcement action<\/a>\u00a0after a judgment has been obtained.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd9e678 elementor-widget elementor-widget-heading\" data-id=\"bd9e678\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Instruct a HCEO\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50aa56c elementor-widget elementor-widget-text-editor\" data-id=\"50aa56c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Once a CCJ has been achieved, it is possible to enforce that debt almost immediately. The most common method of enforcement is to instruct a bailiff or high court enforcement officer to attend the address of the debtor and collect the debt or seize goods. That said, there are alternative enforcement methods that can be used depending on the circumstances of the individual case.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a0a69f elementor-widget elementor-widget-heading\" data-id=\"8a0a69f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Initiate insolvency action\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ae8484 elementor-widget elementor-widget-text-editor\" data-id=\"9ae8484\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>An alternative to issuing a County Court claim is to commence insolvency action. This is a possibility when:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db1f183 elementor-widget elementor-widget-text-editor\" data-id=\"db1f183\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>The debtor is a company the debt value is above \u00a3750<\/li><li>The debtor is an individual the debt value is above \u00a35,000<\/li><li>The debtor is in England or Wales<\/li><li>There is no known dispute over the unpaid debt<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5f13c6 elementor-widget elementor-widget-heading\" data-id=\"b5f13c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Apply for an attachment of earnings order\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df9848c elementor-widget elementor-widget-text-editor\" data-id=\"df9848c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>An attachment of earnings order allows money to be taken from the debtor\u2019s earnings to pay off the debt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b364f50 elementor-widget elementor-widget-heading\" data-id=\"b364f50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Apply for a third party debt order\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3183de2 elementor-widget elementor-widget-text-editor\" data-id=\"3183de2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Using a third party debt order, money in your debtor\u2019s bank, building society or business account will be frozen, preventing them from accessing it until the court decides if that money can be used to pay the debt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d718f6 elementor-widget elementor-widget-heading\" data-id=\"5d718f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Apply for a charging order\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ba352f elementor-widget elementor-widget-text-editor\" data-id=\"0ba352f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A charging order can be made against any land or property owned by the debtor. If the debtor sells the land or property before the debt is payed, the charging order will be paid out of the proceeds of the sale.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4d7cb7 elementor-widget elementor-widget-text-editor\" data-id=\"e4d7cb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>At Three Graces Legal, our lawyers, will discuss with you the pros and cons of each method of enforcement relating specifically to your case so that we can decide with you the best and quickest avenue of enforcement to recover your money.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52d5f80 elementor-widget elementor-widget-heading\" data-id=\"52d5f80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5. Prevent business debt from arising\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2838b49 elementor-widget elementor-widget-heading\" data-id=\"2838b49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Think about the possible steps which may be taken to minimise the possibility of bad debts.\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c8b20b elementor-widget elementor-widget-text-editor\" data-id=\"0c8b20b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>While the benefit of hindsight is not necessarily the most helpful strategy when faced with chasing mounting business debt, it can help to prevent any further debt from accruing in the future. As such, it is important to ensure that your customers are fully aware of and understand your credit terms from the outset and are openly agreeable to meeting those terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-680dcdf elementor-widget elementor-widget-heading\" data-id=\"680dcdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ensure payment terms are clear and visible\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5061028 elementor-widget elementor-widget-text-editor\" data-id=\"5061028\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In many cases, payment terms will be printed on your invoice. However, wherever possible, it is also sensible to build a direct working relationship with repeat customers, such that you can discuss payment terms openly and more easily reach an amicable agreement where payment is late.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a16c91 elementor-widget elementor-widget-text-editor\" data-id=\"0a16c91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In this way, legal action becomes less likely, protecting that business relationship and encouraging further business for the future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbed587 elementor-widget elementor-widget-heading\" data-id=\"cbed587\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why use Three Graces Legal to chase your business debt?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-581e5ca elementor-widget elementor-widget-text-editor\" data-id=\"581e5ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Here at Three Graces Legal, our expert debt recovery lawyers can help you to draft clear terms and conditions, including payment terms, to help prevent non-payment of invoices.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e318218 elementor-widget elementor-widget-text-editor\" data-id=\"e318218\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Where debt has already arisen, we can also provide you with strategic advice on how to assess the economic viability of recovering a debt, or several debts, tailored to your circumstances. We will take all the necessary practical steps on your behalf, from letters before action to enforcement proceedings.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0047a09 elementor-widget elementor-widget-text-editor\" data-id=\"0047a09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Our flexible fee structure allows us to provide value to your business, offering a comprehensive debt recovery service at a minimal cost to you. In this way, we can ease the financial strain of outstanding debt, as well as the cost of recovering that debt on your behalf.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-752c229 elementor-widget elementor-widget-heading\" data-id=\"752c229\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact Our Debt Recovery Solicitors\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-302d151 elementor-widget elementor-widget-text-editor\" data-id=\"302d151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you are looking to recover outstanding payments, Three Graces Legal is a one-stop solution for debt recovery. We have the expertise to guide you through the entire process, from balancing the recovery of bad debt against the cost of legal action, to issuing court proceedings and enforcing judgment, providing a tailored strategy to work within your budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8a494b elementor-widget elementor-widget-text-editor\" data-id=\"e8a494b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"content-side right\"><div class=\"item-page\"><div><p>To speak with one of our debt recovery solicitors, call now on\u00a0<span class=\"InfinityNumber clickable\"><a href=\"tel:+441514536705\">0151 453 6705<\/a><\/span>\u00a0or complete our\u00a0<a href=\"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/contact-us\">online enquiry form<\/a> and we will get back to you right away. We look forward to helping you obtain the best possible outcome for you and your business, helping to protect your financial interests every step of the way.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23a62b4b e-con-full right-side e-flex e-con e-child\" data-id=\"23a62b4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7b3ac198 e-con-full Make_free_enquiry_template e-flex e-con e-child\" data-id=\"7b3ac198\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42ce415 elementor-widget elementor-widget-template\" data-id=\"42ce415\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"1070\" class=\"elementor elementor-1070\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-470f2411 e-con-full e-flex e-con e-child\" data-id=\"470f2411\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e5f1150 elementor-widget elementor-widget-heading\" data-id=\"1e5f1150\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Make a free enquiry, call now<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39700b00 elementor-widget elementor-widget-text-editor\" data-id=\"39700b00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"tel:+441514536705\">0151 453 6705<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d8c3508 elementor-widget elementor-widget-shortcode\" data-id=\"2d8c3508\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f946-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"946\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/MLT\/threegraceslegal\/wp-json\/wp\/v2\/pages\/2162#wpcf7-f946-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"946\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f946-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"Make-enquiry\">\n\t<div class=\"box\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"box\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"tel-623\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone Number\" value=\"\" type=\"tel\" name=\"tel-623\" \/><\/span>\n\t\t<\/p>\n\t<\/div>\n\t<div 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A build-up of unpaid credit or non-payment from customers can create huge problems with cash flow for even a long-standing and well-established business. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":756,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2162","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Chase Business Debt | Three Graces Legal<\/title>\n<meta name=\"description\" content=\"Explore debt recovery solutions with Three Graces Legal. Learn how to chase business debt effectively. 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