Solicitor's Letter


Individuals or companies with bad debtors may wish to send a Solicitor’s letter rather than following the County Court (CCJ) process which most debt collection services offer.

The CCJ process has the following drawbacks:

  • “Familiarity breeds contempt” - most bad debtors are used to CCJ pressure from their creditors and do not take the process seriously
  • “Good money after bad” - issuing County proceedings is costly in legal charges and Court fees. When the outcome remains uncertain, creditors have to bear the cost of both of these
  • CCJs take 6-9 months to conclude
  • “Feather Duster” threat - a CCJ has little effect on the average bad debtor. The debtor is often a company intending to dissolve or an individual with no credit rating
  • Failure to engage - a CCJ does not mean payment. After the inconvenience of obtaining a CCJ, the creditor has exactly what they started with - the right to be paid - but still has to turn that right into payment

We have devised a process relying on insolvency processes instead of CCJs. Our system contrasts with the ordinary as most debtors will not have encountered insolvency before end will fear it. There are also no court fees and the process reaches crisis in 35 days - this is at least 5 times faster than traditional. Our strategy has proven highly effective - since undertaking this work using this method we have obtained outcomes in around 90% of cases by value, and obtained recovery in over 60% by value of cases.

On average our bills are just under 3% of amount recovered, equivalent to just under 2% of amount referred - making ours among the most cost-effective approaches to debt anywhere.

How long will it take?

Our process involves four stages:

  • Stage 1: Solicitor’s Letter. A standard 7 day “letter before action” produced from details of the invoice
  • Stage 2: Statutory Demand served - debtor has 18 days to respond
  • Stage 3: Debtor is served with a Draft Bankruptcy/Winding Up Petition and given 7 days
  • Stage 4: After 35 days, the creditor has a stop/go decision on whether to invest in the cost of a Winding Up or Bankruptcy Petition or whether to write the debt off

This is at least 5 times faster than the traditional CCJ path.

Money Matters

Our work will be charged at a fixed fee of £250 including VAT for our standard Letter of Demand regardless of how much work we actually do. In some cases this may mean we’ll get relatively better paid for doing less work than in other cases, in which the fixed fee will barely cover our costs. This is simply the nature of the mutual gamble between a solicitor and their client when they fix a fee.

More detail of all these matters will be outlined in our retainer letter which you will be able to review before you engage us, after pressing the “Buy” button on the website.

If you have any questions or require any further information, please don’t hesitate to Contact Us.