Legal Debt Recovery Services

When pre-litigation approaches fail, Legal Nexis Group provides full legal debt recovery services — from issuing formal court claims to enforcing judgments through asset seizure and garnishment. Our litigation team has deep expertise in commercial debt disputes and works to recover what you are owed through the most efficient legal route available.

Legal Recovery Procedures

Our structured legal approach ensures maximum efficiency in recovering your outstanding debts through the courts. Each stage is carefully executed to protect your rights and maximise recovery potential.

Letter Before Action (LBA)

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A formal final demand letter setting out the claim, amount owed, and consequences of non-payment. Required before most court claims.

  • Drafted by qualified solicitors
  • Sets 14-day response deadline
  • Clearly states intention to pursue legal action
  • Admissible as evidence in court
  • Often resolves claim without proceeding further

County Court Claim (CCJ)

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For debts under £100,000. Filed online or at court. If debtor does not respond or defend, claimant obtains default judgment.

  • Claim filed via Money Claim Online (MCOL)
  • Default judgment obtained if no defence filed
  • Judgment registered on debtor's credit file
  • Payment order or instalment plan issued
  • Enforcement action available immediately upon judgment

High Court Enforcement

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For debts over £600, judgment can be transferred to High Court for enforcement by High Court Enforcement Officers (HCEOs). Faster and more effective than County Court bailiffs.

  • Transfer of judgment to High Court via Form N293A
  • HCEO attends debtor's premises to seize goods, vehicles, and equipment
  • Walking possession agreements
  • Sale of seized assets by public auction
  • Significantly higher recovery rates than County Court bailiffs

Third Party Debt Orders & Charging Orders

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Where debtor has funds in a bank account or equity in property.

  • Third Party Debt Order freezes and seizes bank account funds
  • Charging Order secures debt against debtor's property
  • Sale of property can be ordered to satisfy the charge
  • Effective even where debtor has no liquid assets
  • Long-term security on real estate assets

Role of the Attorney in Legal Debt Recovery

Our litigation team guides you through every stage of the legal recovery process, from initial assessment to final enforcement — ensuring your claim is pursued efficiently and effectively.

Key Legal Services

  • Assessment of claim strength and prospects of recovery
  • Issuing and serving court proceedings
  • Obtaining default and summary judgments
  • High Court Enforcement Officer instruction
  • Third party debt orders and charging orders
  • Insolvency proceedings where appropriate