{"id":2164,"date":"2025-11-17T13:02:06","date_gmt":"2025-11-17T13:02:06","guid":{"rendered":"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/?page_id=2164"},"modified":"2025-11-18T09:41:03","modified_gmt":"2025-11-18T09:41:03","slug":"preventing-procedural-failures-when-chasing-debt","status":"publish","type":"page","link":"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/business\/debt-recovery\/preventing-procedural-failures-when-chasing-debt\/","title":{"rendered":"Preventing Procedural Failures When Chasing Debt"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2164\" class=\"elementor elementor-2164\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bf23243 e-con-full Inner-banner-section e-flex e-con e-parent\" data-id=\"7bf23243\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6a6b2b1c e-con-full Inner-banner e-flex e-con e-child\" data-id=\"6a6b2b1c\" 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-cc34445 e-flex e-con-boxed e-con e-child\" data-id=\"cc34445\" 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-58658d78 elementor-widget elementor-widget-heading\" data-id=\"58658d78\" 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\">Preventing Procedural Failures When Chasing 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-3f6478d9 e-con-full Breadcrumb_template e-flex e-con e-parent\" data-id=\"3f6478d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ed5562f elementor-widget elementor-widget-template\" data-id=\"4ed5562f\" 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-72f9bfd5 e-con-full content-box e-flex e-con e-parent\" data-id=\"72f9bfd5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2d3d0ca5 e-con-full content-box-full e-flex e-con e-child\" data-id=\"2d3d0ca5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-affc25b e-con-full content-side-right e-flex e-con e-child\" data-id=\"affc25b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f428aa7 elementor-widget elementor-widget-heading\" data-id=\"6f428aa7\" 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\">Preventing Procedural Failures When Chasing Debt\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be0cf12 elementor-widget elementor-widget-text-editor\" data-id=\"be0cf12\" 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 law relating to debt recovery can often be complex, with comprehensive procedural rules that must be complied with. If these procedural rules are not followed, you risk receiving significant penalties from the courts by way of costs or other sanctions. However, by instructing an experienced team of\u00a0<a href=\"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/business\/debt-recovery\">debt recovery<\/a>\u00a0solicitors, you can prevent procedural failures from delaying or even defeating the successful recovery of a debt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5badfe9 elementor-widget elementor-widget-text-editor\" data-id=\"5badfe9\" 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 specialist debt recovery lawyers can help you to avoid falling foul of the law when taking action to recover outstanding payments.\u00a0<a href=\"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/contact-us\">Get in touch<\/a>\u00a0with us today to find out how we can help.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47aadbf1 elementor-widget elementor-widget-heading\" data-id=\"47aadbf1\" 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\">Serve notice on the correct debtor\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c294ace elementor-widget elementor-widget-text-editor\" data-id=\"7c294ace\" 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 not uncommon for a creditor to misname a debtor on a claim form when seeking to pursue a debt through the courts. This can easily happen if you misspell the debtor\u2019s name or if you sue the wrong corporate entity within the same business structure as the intended defendant.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-693f697 elementor-widget elementor-widget-text-editor\" data-id=\"693f697\" 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>These kinds of mistakes can not only lead to potential delays in court proceedings and the recovery of the debt, but they also run the risk of claims being struck out altogether.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e44f9d elementor-widget elementor-widget-text-editor\" data-id=\"0e44f9d\" 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 there are provisions under the Civil Procedural Rules (CPR) that will permit a party to apply to the court to amend any mistakes, a favourable outcome is not necessarily guaranteed. As such, it is always best to leave the task of issuing proceedings in the hands of an experienced lawyer, not least when it comes to identifying the correct party to sue.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4faaa64 elementor-widget elementor-widget-heading\" data-id=\"4faaa64\" 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\">Avoid seeking debts over six years old\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c61aa45 elementor-widget elementor-widget-text-editor\" data-id=\"5c61aa45\" 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>Typically, the law will give creditors a deadline to start court proceedings to recover a debt. Therefore, if you wait too long, you may not be able to recover the debt at all. This is known as being &#8220;statute-barred&#8221;, whereby the debt effectively becomes unenforceable through the courts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec5df1c elementor-widget elementor-widget-text-editor\" data-id=\"ec5df1c\" 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 England and Wales, you will be statute-barred from recovering most debts after six years. This is primarily because it would be unfair for a creditor to wait several years to take action to pursue any outstanding payment, not least when a debtor could have lost important paperwork at that stage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10a4ba7 elementor-widget elementor-widget-text-editor\" data-id=\"10a4ba7\" 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>This means that although the debt still exists, the law can be used to prevent you, as the creditor, from getting a court order to recover it. As such, if you seek to issue proceedings for a debt that is more than six years old, and the debtor raises the issue of limitation by way of defence, the court is likely to strike out the claim on the basis that it is statute-barred.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39a7b76b elementor-widget elementor-widget-heading\" data-id=\"39a7b76b\" 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\">Don\u2019t ignore the costs of debt recovery\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6de98a elementor-widget elementor-widget-text-editor\" data-id=\"b6de98a\" 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>Before you seek to recover any outstanding balance from a debtor, it is vital to evaluate the costs you will incur in so doing, not least if you intend to issue legal proceedings as means of debt recovery.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6397cb elementor-widget elementor-widget-text-editor\" data-id=\"c6397cb\" 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>Obtaining a judgment in the county court can often represent just one stage of the legal process, whereby you may also need to instigate proceedings to enforce payment of any judgment sum, including instructing bailiffs to retrieve assets equalling that amount. As such, you must balance the cost of this entire process against the size of the debt involved.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34980f7 elementor-widget elementor-widget-text-editor\" data-id=\"34980f7\" 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>Further, both the creditor and debtor will be expected by the courts to act in a reasonable and proportionate manner in all dealings with one another, in particular, avoiding running up costs that don\u2019t bear a reasonable relationship to the sums in issue.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bb50d8 elementor-widget elementor-widget-text-editor\" data-id=\"8bb50d8\" 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 will also need to ensure that the intended defendant has the means to pay any judgment sum. If they are bankrupt or their company is in liquidation, it would be entirely futile to seek a court order against them, given that you will be unable to enforce a judgment against a debtor with \u201cempty pockets\u201d.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af1c90d elementor-widget elementor-widget-heading\" data-id=\"af1c90d\" 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\">Exhaust all informal options\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5978b8b elementor-widget elementor-widget-text-editor\" data-id=\"5978b8b\" 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>Perhaps one of the most common procedural failures when chasing debt is a failure to exhaust all possible options before issuing a claim through the county courts. It is important to note that by prematurely issuing legal proceedings, is not only likely to create hostility with a customer with whom you may want to do business in the future, but it can also attract penalties from the courts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bd8518 elementor-widget elementor-widget-text-editor\" data-id=\"4bd8518\" 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>As such, you should always first consider the following:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19c96d4 elementor-widget elementor-widget-text-editor\" data-id=\"19c96d4\" 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>Invoicing the customer more than once by way of reminder of the outstanding payment<\/li><li>Chasing any outstanding invoices through email, letter and\/or telephone calls<\/li><li>Where appropriate, place a credit hold on the customer\u2019s account or stop doing work for them due to lack of funds<\/li><li>Provide a final notice in writing, highlighting the time within which payment must be made and setting out the consequences of any failure to pay, for example, the issue of court proceedings<\/li><li>Enlisting the help of a debt collection agency. This could be a third party who liaises with the debtor on your behalf.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd9a8d0 elementor-widget elementor-widget-heading\" data-id=\"dd9a8d0\" 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\">Comply with regulatory rules\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e877838 elementor-widget elementor-widget-text-editor\" data-id=\"e877838\" 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>There are several regulations that as a creditor, you must adhere to when seeking to recover debts, especially from consumers where certain behaviour may be tantamount to harassment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8fa531 elementor-widget elementor-widget-text-editor\" data-id=\"f8fa531\" 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>This can include, for example, contacting a customer several times a day or out of office hours, pursuing them on social media, issuing more than one debt collector at a time to chase payment, or misleading the customer as to their legal rights.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55e86b7 elementor-widget elementor-widget-text-editor\" data-id=\"55e86b7\" 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 Financial Conduct Authority (FCA) has rules and guidance about debt collection and, if a debtor makes a complaint, it can penalise creditors who fail to comply with the regulatory rules.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28f6cd2 elementor-widget elementor-widget-heading\" data-id=\"28f6cd2\" 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\">Recovering debt from a business\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a484cd elementor-widget elementor-widget-text-editor\" data-id=\"6a484cd\" 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 you are seeking to recover debt from an individual, the Pre-Action Protocol for Debt Claims as set out under the CPR is intended to complement any regulatory regime to which the creditor is subject.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e847e65 elementor-widget elementor-widget-text-editor\" data-id=\"e847e65\" 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 Pre-Action Protocol for Debt Claims does not apply to business-to-business debts, unless the debtor is a sole trader, the recovery process between two businesses is still subject to the procedural regime set out under the CPR, as well as the same principles of fairness and proportionality that are embodied in the Protocol relating to recovery of debt from an individual.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b213c4 elementor-widget elementor-widget-heading\" data-id=\"1b213c4\" 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 calm and understanding \u2013 be in control\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0bf0f1 elementor-widget elementor-widget-text-editor\" data-id=\"c0bf0f1\" 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>When a debtor indicates that they require time to pay, you should always endeavour to reach an agreement for the debt to be paid by instalments, based on the debtor&#8217;s income and expenditure. If you do not agree to a debtor&#8217;s proposal for repayment of the debt, you must provide reasons to the debtor in writing, and be able to give an explanation to the court as to why.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ddff53 elementor-widget elementor-widget-heading\" data-id=\"2ddff53\" 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 will the courts penalise procedural failures?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eaa8cea elementor-widget elementor-widget-text-editor\" data-id=\"eaa8cea\" 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>When a matter ultimately leads to litigation, the court will expect the parties to have complied with the provisions of the CPR, as well as the Pre-Action Protocol for Debt Recovery, or any other relevant Practice Direction or Protocol. Further, the court will almost certainly take into account non-compliance when giving directions for the management of proceedings.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb4af4d elementor-widget elementor-widget-text-editor\" data-id=\"eb4af4d\" 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 the court will primarily consider whether all parties have complied in substance with the terms of the CPR and is not likely to be concerned with minor or technical infringements, any breach of the rules can have a detrimental impact on the successful recovery of the debt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d61c5c elementor-widget elementor-widget-heading\" data-id=\"5d61c5c\" 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\">How can proceedings be delayed?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2955ed elementor-widget elementor-widget-text-editor\" data-id=\"d2955ed\" 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 some instances, if a creditor has failed to comply with a specific provision or rule, such as disclosure of certain documentation, this may result in a significant delay in proceedings, for example, a revised timetable or even, in some cases, an indefinite stay.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0009def elementor-widget elementor-widget-text-editor\" data-id=\"0009def\" 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, on the other hand, a creditor has conducted themselves in a way that is wholly contrary to the principles embodied in the rules, the court may seek to impose financial penalties, including costs sanctions or penalising the claimant in an award for interest on any money recovered against the debtor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b27b48d elementor-widget elementor-widget-text-editor\" data-id=\"b27b48d\" 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>Preventing procedural failures when chasing debt can help to expedite the payment recovery process, and promote the successful recovery of the debt in full, together with\u00a0<a href=\"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/business\/debt-recovery\/claiming-interest-and-recovery-payments-for-late-payments\">interest<\/a>\u00a0and costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c06a0da elementor-widget elementor-widget-heading\" data-id=\"c06a0da\" 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-528bcc6d elementor-widget elementor-widget-text-editor\" data-id=\"528bcc6d\" 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>Three Graces Legal can provide you and your business with a tailored strategy to guide you through the debt recovery process, from negotiation with debtors to enforcement of county court judgments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-012e25f elementor-widget elementor-widget-text-editor\" data-id=\"012e25f\" 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>We can also advise you on what steps to take procedurally to avoid sanction by the court, and more importantly, in an attempt to resolve the whole matter satisfactorily without recourse to legal proceedings.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4e2d37 elementor-widget elementor-widget-text-editor\" data-id=\"b4e2d37\" 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 expert debt recovery solicitors, call\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>. We will endeavour to assist you in every way possible, helping you to recover outstanding payments as quickly and cost-effectively as possible.<\/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-5bf5f88c e-con-full right-side e-flex e-con e-child\" data-id=\"5bf5f88c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-381d002e e-con-full Make_free_enquiry_template e-flex e-con e-child\" data-id=\"381d002e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fcdf15e elementor-widget elementor-widget-template\" data-id=\"7fcdf15e\" 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\/2164#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 class=\"box\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email Address\" value=\"\" type=\"email\" name=\"your-email\" \/><\/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=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Message\" name=\"your-message\"><\/textarea><\/span>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"box checkbox\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"checkbox-850\"><span class=\"wpcf7-form-control wpcf7-checkbox wpcf7-validates-as-required\"><span class=\"wpcf7-list-item first last\"><label><input type=\"checkbox\" name=\"checkbox-850[]\" value=\"Please tick here before pressing send\" \/><span class=\"wpcf7-list-item-label\">Please tick here before pressing send<\/span><\/label><\/span><\/span><\/span>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"box agreef\">\n\t\t<p>I understand that by submitting my query to you, my personal data (name, email address and contact number) will be processed by you in order to contact me and assist me with my query. I confirm I have read and understood the <a href=\"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/privacy-notice\" target=\"_blank\">Privacy Notice<\/a> and I consent to you processing my data for the purpose of contacting me to assist me with my query.\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"box Send-btn\">\n\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Send\" \/>\n\t\t<\/p>\n\t<\/div>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\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\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-6150ca29 e-con-full How_can_help_template e-flex e-con e-parent\" data-id=\"6150ca29\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5869888d elementor-widget elementor-widget-template\" data-id=\"5869888d\" 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=\"1064\" class=\"elementor elementor-1064\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b6cc208 e-con-full e-flex e-con e-parent\" data-id=\"4b6cc208\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5258358e e-con-full e-flex e-con e-child\" data-id=\"5258358e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c575841 elementor-widget elementor-widget-heading\" data-id=\"7c575841\" 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 can we help you?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5da6213e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5da6213e\" 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>To find how our friendly and knowledgeable solicitors can help you, contact us today.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1522b0a4 e-con-full welcome-bottom e-flex e-con e-child\" data-id=\"1522b0a4\" 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-54a8745a e-grid e-con-full e-con e-child\" data-id=\"54a8745a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c7ab78f e-con-full e-flex e-con e-child\" data-id=\"c7ab78f\" 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-7d0fe202 elementor-align-center elementor-tablet_extra-align-center elementor-tablet-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7d0fe202\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:+441514536705\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"42\" height=\"43\" viewBox=\"0 0 42 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If these procedural rules are not followed, you risk receiving significant penalties from the courts by way of costs or other sanctions. However, by [&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-2164","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>Prevent Debt Recovery Failures | Three Graces Legal<\/title>\n<meta name=\"description\" content=\"Insights on preventing procedural failures when chasing debt, provided by Three Graces Legal\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/isquaredemo.com\/MLT\/threegraceslegal\/business\/debt-recovery\/preventing-procedural-failures-when-chasing-debt\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" 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