Debt recovery, in plain English
Practical guides for getting paid — from late-payment interest to choosing the right agency.
Debtor threatening a counterclaim? What it means and what to do
What a counterclaim threat really means when you're chasing a debt — how to tell bluff from substance, what filing one costs the debtor, and your options.
6 August 2026 Debt Collection AgencyChoosing the right debt collection agency: a creditor’s guide
A creditor’s guide to choosing the right UK debt collection agency — when to use one, how the market charges, the regulation to check and how to instruct.
6 August 2026 Rent ArrearsCommercial rent arrears: debt recovery options for landlords
The commercial landlord’s toolkit for rent arrears — CRAR rules after May 2026, agency collection, court claims, forfeiture, guarantors and deposits.
6 August 2026 Debt RecoveryBailiff vs debt collector: what’s the difference?
A debt collector has no special legal powers; bailiffs act only after a court judgment. What each can do — and which your unpaid debt actually needs.
6 August 2026 Late PaymentCash flow forecasting: why late payments kill growth
How late payments corrupt a cash flow forecast — DSO vs terms, the knock-on effect of one big late invoice, and forecasting hygiene for small firms.
6 August 2026 Debt Collection AgencyNo-win-no-fee vs no-collection-no-commission debt recovery: what’s the difference?
Both labels promise payment only on success — but the contract defines ‘win’ and ‘collection’. What each really means, and the fees under both.
6 August 2026 Debt RecoveryCounty court bailiffs vs High Court Enforcement Officers: which should you use?
County court bailiff or High Court Enforcement Officer? The £600 and £5,000 rules, who really pays enforcement fees, and when neither route fits your CCJ.
6 August 2026 Late PaymentThe Fair Payment Code explained: what Gold, Silver and Bronze really mean
What the Fair Payment Code is, the Gold, Silver and Bronze criteria, how to apply, what an award really tells you about a customer — and its limits.
6 August 2026 Debt Collection AgencyHiring a debt collector: what actually happens when you instruct an agency
What happens after you instruct a UK debt collection agency — the handover, compliance checks, first steps, costs, and when they’ll advise court instead.
6 August 2026 Debt Recovery‘I’ll give them another few days.’ Don’t.
Why ‘I’ll give them another few days’ is the most expensive sentence in small business — and what to do instead the day an invoice goes overdue.
6 August 2026 Late PaymentLate payments cost UK SMEs £22,000 a year — but change may be coming
Where the £22,000 late-payment figure comes from, what the Fair Payment Code and the Commercial Payments Bill would change, and what to do meanwhile.
6 August 2026 Debt Collection AgencyWhich debt collection agency is right for your business type? Sole trader, SME, landlord or larger firm
Find the best debt collection agency for your business type — sole trader, SME with an overdue ledger, landlord or larger firm — and the fee model to match.
6 August 2026 Late PaymentHow many UK businesses are owed money? The real numbers
How many UK businesses are owed money — the verified late-payment figures on who’s affected, how much is outstanding and what it costs the economy.
6 August 2026 Debt Collection AgencyNo-win-no-fee debt collection: what’s the catch?
The honest catches of no-win-no-fee debt collection — higher commission, cherry-picked cases, success definitions — and when it’s still right.
6 August 2026 Debt RecoveryPre-Action Protocol for Debt Claims: a plain-English guide for SMEs
Who the Pre-Action Protocol for Debt Claims covers, what your Letter of Claim must include, the 30-day windows, and what ignoring it costs you.
6 August 2026 Rent ArrearsResidential rent arrears recovery: compare the best routes for landlords
Compare the four routes for recovering residential rent arrears in 2026 — payment plans, agency collection, money claims and where possession fits.
6 August 2026 Debt Collection AgencyRogue debt collectors get shut down — why vetting your agency matters
Why rogue debt collectors get shut down in the UK — the laws they break, what enforcement looks like, and how vetting protects your money and your name.
6 August 2026 Debt Collection AgencyWhat makes a good debt collection agency?
The standards that separate professional UK debt collection agencies from the rest — compliance culture, transparent terms and how they treat debtors.
6 August 2026 Debt RecoveryCourt or pre-court recovery? Four unpaid-invoice scenarios and which route wins each
Court or pre-court recovery for an unpaid invoice? Four scenarios — undisputed, disputed, vanished or insolvent debtor — and which route wins each.
6 August 2026 Debt RecoveryWhat being self-employed taught me about not getting paid
Founder lessons on late payment: an invoice isn’t income until it’s paid, clarity is kindness, and systems beat moods when it comes to getting paid.
6 August 2026 Debt Collection AgencyWhat to look for in a debt collection agency’s reviews
How to read UK debt collection agency reviews — creditor vs debtor reviews, what star ratings hide, what ‘verified’ means and the real misconduct markers.
6 August 2026 Rent ArrearsWhat to do if a tenant leaves owing rent: options for landlords
A step-by-step plan for recovering rent from a former tenant — tracing, quantifying the debt, letter before action, agency collection and enforcement.
6 August 2026 Debt RecoveryYou delivered the work. They disappeared. Now what?
What to do when a client ghosts your invoice: rule out a dispute, escalate step by step, trace vanished debtors and tighten your terms for next time.
6 August 2026 Rent ArrearsRecovering rent arrears: a landlord's guide to residential and commercial routes
How UK landlords recover rent arrears from current and former tenants — residential and commercial routes, and when to bring in a specialist agency.
14 July 2026 Debt RecoveryDebt collection agency vs small claims court: which route for your unpaid invoice?
Debt collection agency or small claims court? A UK comparison of cost, effort and risk — and when each route makes sense for your unpaid invoice.
11 July 2026 Debt Collection AgencyDebt collection agency checklist: five checks and the red flags to walk away from
The five-minute pre-instruction checklist for a UK debt collection agency — fee model, regulation, specialism, communication, and the red flags to walk away from.
8 July 2026 Debt Collection AgencyDebt collection agency fees explained: no-win-no-fee vs commission vs fixed
How UK debt collection agencies charge — no-collection-no-fee, commission and fixed fees compared, and which model suits which debt.
1 July 2026 Late PaymentLetter before action: what to send before you escalate
What a letter before action is, what to put in it, and the rules that apply when you're chasing an individual — plus a free tool that writes one for you.
24 June 2026 Late PaymentHow much interest and compensation can you charge on a late invoice?
The interest and compensation you can legally add to an overdue UK commercial invoice — in plain English, with a free calculator and letter.
17 June 2026 Late PaymentHow long can you chase an unpaid invoice? UK time limits explained
How long you have to recover an unpaid invoice in the UK — the six-year limitation period, what resets the clock, and why waiting costs you money.
10 June 2026 Debt RecoverySmall business debt recovery: how to get paid, step by step
The stages of recovering an unpaid invoice as a UK small business — from friendly reminder to court action — and when to escalate to the next step.
3 June 2026