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Personal Standard Procedure

What Is The Personal Debt Recovery Process?

If you are owed money by a friend, family member or business, it can be difficult to know where to turn. Pursuing unpaid debts can be nerve-racking, especially when there is a personal relationship involved.

Don’t give up on getting your money back. With expert legal advice, you can recover what you are owed without constantly needing to chase, break ties or have the stress of going to court.

Coles Miller’s expert debt recovery solicitors will take the time to understand your personal situation and your concerns. We will then determine how best to recover your debt.

Depending on your circumstances, the debt recovery process can vary. However, in most cases, it will look like this…

Notifying Your Debtor Via Letter

Coles Miller will send a letter to the person who owes you money, informing them exactly how much is involved and requesting payment. This letter will also explain what will happen if the request is ignored. The debtor will be warned that refusing to pay the debt could result in legal action.

Request By Phone

If your debtor ignores the letter, our personal debt solicitors may telephone them and request payment.

Issuing Court Proceedings

Most debtors will respond to the letter or telephone call and agree to pay what they owe. In the unlikely event that they ignore the letter and calls, we will issue court proceedings against them.

Going to court to pursue a personal debt is very rare. Most debtors will pay in response to a phone call or letter. However, if they refuse and court proceedings are inevitable, we will support you every step of the way.

Obtaining A County Court Judgment (CCJ)

A CCJ is a legally binding document that states how the debt must be repaid, as well as the timescale involved. A CCJ will ensure the debt is paid.

You Deserve To have Your Debts Repaid

Contact us so we can help you, sensitively and professionally 

Meet the team

Eric Holt

Debt Recovery Manager

Tracey Ford

Legal Assistant