27/11/25
When unpaid debts affect your business
If you have ever been in a situation where someone owes you money and refuses to pay, you will know how stressful and time-consuming it can be. At CTT Law Ltd, we understand the impact this can have – not only on your finances, but also on your business relationships, opportunities, and peace of mind.
Whether the debt arises from a personal loan, an unpaid invoice or any other financial obligation, allowing the matter to linger can lead to unnecessary financial strain, wasted time, and additional costs.
Why it’s risky to handle it alone
In the UK, there are rules designed to protect both creditors (those who are owed money) and debtors (those who owe money), but the rules can be complex and challenging to navigate without the right guidance. Attempting to recover a debt on your own can lead to delays, increased expenses, and may even put your legal position at risk.
Our Litigation team can help you take the right steps from the outset to protect your position and improve your chances of recovering what you are owed.
Getting it right from the start
The debt recovery process typically starts long before court action is considered. At the earliest stages, it’s important to clearly explain what is owed, provide supporting documents, and give the debtor a reasonable opportunity to respond. Open communication can often resolve matters without the need for further action.
If the debt remains unpaid, we can prepare a clear, well-structured letter on your behalf requesting payment and outlining the next steps, encouraging a prompt and effective response. Where the debt remains unpaid, court proceedings may become necessary. We can support you throughout the process to ensure it runs smoothly.
Enforcing what you’re owed
If the debtor still does not pay after a court judgment, there are several enforcement options available. You may be able to instruct enforcement agents to recover the debt by taking control of certain goods. Alternatively, you could apply for an order to deduct money directly from the debtor’s wages or secure the debt against their property.
Each enforcement option has its own benefits, and we can advise you on the most effective route for your specific circumstances.
How CTT Law Ltd can support you
Recovering unpaid debts can be challenging, but you do not have to face it alone. At CTT Law Ltd, we provide clear, practical advice and support at every stage of the process, helping you make informed decisions and giving you the best possible chance of successful recovery.
If you are currently dealing with an unpaid debt and would like to discuss your options, our team is here to help.
For assistance with debt recovery in England and Wales, contact us on 01926 563 670.
Disclaimer: This article is for general information only and does not constitute legal advice. Tailored legal advice should be obtained for your specific circumstances.
