Debt Recovery

Recovering the money you’re owed.

Taking the steps needed to get the money you’re owed, in the most practical and timely manner, to keep your business trading and moving forwards.

Unpaid debts can put the brakes on your business and create uncertainty and stress. At Dickins Hopgood Chidley, we offer a full business debt recovery service, from assisting you to comply with the Pre-action protocol, to issuing proceedings, Alternative Dispute Resolution (ADR) and representation at final hearings. 

Pre-action Protocol

The Pre-action protocol is the first step a business needs to go through to reclaim money owed by an individual or sole trader. This applies to public businesses and sole traders. It doesn’t apply to business to business debts.

The protocol sets out the actions that should be taken before a Court proceedings can be started, and has the aim of resolving the situation without going to Court, keeping costs down and reducing the time taken to recover the debt. A Court may impose sanctions on a party that has not complied with the protocol before starting proceedings.

Our Debt Recovery solicitors can assist with writing a Letter of Claim to the debtor (the person or sole trader who owes you money), or by writing a Debtor’s response if you are being asked to pay a debt.

For more information on the Pre-action protocol, please see our Debt recovery fact sheet.   

Other Debts

For debts outside of the protocol, such as business to business and customer to customer debts, Dickins Hopgood Chidley is able draw on its expertise in the areas of Dispute Resolution & Insolvency to provide the right advice for your circumstances.    

Undisputed Debts 

Where you believe that an outstanding debt is not in dispute, but the Debtor does not have the means to pay, we can provide you with advice in relation on commencing bankruptcy or winding up proceedings, dependant on whether the debtor is a business or individual. 

For more information on Insolvency, please see Dispute Resolution.

Disputed Debts

Sometimes the reason why a debt is unpaid is because there is a dispute.  Our specialist dispute resolution team will be able to help investigate any potential disputes and advise on the best course of action to take to recover the outstanding debt. We have more information on our Dispute Resolution page.

Alternative Dispute Resolution (ADR)

Alternative Dispute Resolution is the term given to the many ways of resolving a dispute that doesn’t involve going to Court, and may include negotiations, without prejudice meetings or mediation.

When considering debt recovery, the size of the debt may dictate which method of ADR is most appropriate. We can assist you with all areas of ADR. By taking the time to get to know you and your situation, we can tailor our support and guidance to your needs for the best, most practical and timely outcome.


Robert and Charlotte offer a free initial 30-minute consultation. Simply fill in the form on our free consultation page to see how we can help.

Our Debt Recovery Team

Robert Salame - solicitor and accredited mediator at Dickins Hopgood Chidley

Robert Salame

Solicitor | Accredited Mediator

Find out more

Resources - the answer could be just a click away

We have more helpful free legal advice in our fact sheets, just click to download:

Debt recovery

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