Debt Recovery
Unpaid debts can significantly impact your cash flow and peace of mind, whether you’re a business owner waiting for invoices to be paid or an individual pursuing a personal loan. At Pomphreys Solicitors in Wishaw, we help clients across Scotland recover what they’re owed using transparent legal processes that get results without unnecessary cost or delay.
Why Legal Debt Recovery Matters
When payment is overdue and polite reminders haven’t worked, taking legal advice early can make all the difference. Debt recovery is about much more than sending a final demand, it’s about understanding your legal rights and applying pressure effectively while preserving professionalism.
Whether you’re dealing with an unpaid invoice, a broken repayment agreement, or rent arrears from a former tenant, we offer practical solutions that help you recover your money while keeping costs under control.
Who We Help—and When to Get in Touch
We regularly act for:
- Small businesses and sole traders with unpaid commercial debts
- Landlords chasing rent arrears or damage claims
- Individuals seeking repayment of personal loans
- Contractors or suppliers dealing with late or disputed payments
- Professionals (e.g. dentists, vets, accountants) owed client fees
If someone owes you money and continues to ignore you, it’s time to seek legal advice. The sooner we act, the better your chances of recovery will be.
Our Debt Recovery Process: Clear, Efficient and Targeted
We tailor our approach depending on the amount owed, the debtor’s situation, and your preferred outcome. In every case, our goal is to secure prompt payment or a negotiated solution that avoids the need for court proceedings, unless absolutely necessary.
We can help you with:
- Pre-action letters – a formal demand for payment, often enough to prompt action
- Negotiation and settlement – seeking a resolution that preserves business relationships
- Raising court proceedings – in the Sheriff Court for larger or complex debts
- Enforcement of court decrees – including arresting funds, earnings or seizing assets
- Statutory demands – to encourage payment and, where appropriate, pursue insolvency action
We’ll guide you through the process, keep you informed of costs and options at every stage, and avoid legal action that risks becoming uneconomical.
More Than a Letter Before Action
While some firms offer low-cost demand letters, these are often ignored. At Pomphreys, our reputation, experience, and willingness to escalate where needed carry real weight. We utilise the authority of legal process, and where necessary, court orders, to recover what is owed.
If the debt is disputed, we’ll also advise on your prospects of success, handle correspondence and evidence, and represent you in court if needed.
Why Choose Pomphreys Solicitors?
Our clients across Wishaw, Lanarkshire and throughout Scotland value us for:
- ✅ Practical, cost-conscious advice with a strong track record
- ✅ A focus on resolving matters quickly and commercially
- ✅ Skilled negotiation and court representation when required
- ✅ Friendly, local service with national reach
Whether the debt is straightforward or more complex, we’re here to help you recover what you’re entitled to, professionally and effectively.
Take the First Step to Recover What You’re Owed
If you’re dealing with an unpaid debt and need help recovering it, speak to Pomphreys Solicitors today. We’ll provide practical advice on the best course of action, outline your options clearly, and help you secure payment efficiently—without unnecessary stress or cost.
You may also be interested in:
- Commercial Law – if the debt arises from a breach of contract or service agreement
- Power of Attorney – for recovering debts on behalf of someone else
- Personal Injury – if the money owed relates to a damages claim
❓ Common Questions About Debt Recovery
📅 How long do I have to pursue a debt?
In Scotland, most debts must be pursued within five years of becoming due. If the debtor acknowledges the debt, the time limit may restart.
💷 Can I claim interest or costs on top of the debt?
Yes, in many cases. We’ll advise you on statutory or contractual interest and whether costs can be recovered.
⚖️ What if the debtor has no money?
We’ll assess whether pursuing the debt is commercially worthwhile. In some cases, enforcement options or insolvency proceedings may be appropriate.
Pomphreys are members of
the Law Society of Scotland
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