If someone owes you money and will not pay, it can be frustrating, stressful, and often unfair. Whether it is a private loan, unpaid rent, or money owed for services, you have legal options to recover what is rightfully yours.
At Latimer Solicitors, our experienced debt recovery solicitors help individuals across England and Wales recover personal debts quickly, efficiently, and with clear, practical guidance at every step.
We act for clients nationwide, offering clear advice, transparent fees, and a professional approach that puts your interests first.
Why Personal Debt Recovery Matters
When someone refuses or fails to repay money owed, it can cause significant financial pressure and strain relationships. Many people are unsure where to start or how to act within the law.
You may be facing situations such as:
- A friend or family member not repaying a private loan.
- A tenant or guarantor owing unpaid rent or costs.
- A customer failing to pay for goods or services.
- A debtor ignoring previous promises or repayment plans.
- A County Court Judgment (CCJ) that has not been enforced.
Acting early can make a real difference. Delays can reduce the chances of successful recovery, especially if the debtor’s financial situation changes or assets are sold. Taking professional advice ensures that your claim is handled properly, within the legal time limits, and with the right evidence to support your position.
How Latimer Solicitors Can Help
Our team has many years of experience helping individuals recover debts of all sizes, from small unpaid sums to complex multi-party claims. We handle every stage of the process, from first contact with the debtor to enforcement through the courts if required.
We can help you with:
- Pre Action Debt Recovery, including Letters of Claim and negotiation.
- Issuing a County Court Claim where early recovery is unsuccessful.
- Obtaining and Enforcing a CCJ, ensuring that court judgments are acted upon.
- Enforcement Options, such as High Court enforcement, Charging Orders, or Attachment of Earnings.
- Statutory Demand and Bankruptcy for individual debtors where insolvency may apply.
- Debts from Tenants and Guarantors, including rent arrears and unpaid tenancy guarantees.
Our approach is straightforward and focused on outcomes. We explain your options clearly, provide realistic advice, and ensure you stay informed throughout. Wherever you are in England or Wales, our solicitors are here to support you.
Our Process / What to Expect
We make the process simple and transparent from the beginning.
- Initial Assessment
We review your situation, the amount owed, and any documents or agreements. We advise you on the best legal route before any costs are incurred. - Pre Action Stage
We prepare and send a compliant Letter of Claim to the debtor, setting out the debt and the deadline for payment. Many cases are resolved at this stage without court action. - Court Proceedings
If payment is not received, we can issue a County Court Claim on your behalf. This can result in a County Court Judgment (CCJ) against the debtor.If agreement is not possible, we prepare and manage your case through the court process, keeping you informed every step of the way.
- Enforcement
If a CCJ is not paid, we can take enforcement action such as instructing enforcement officers, applying for a Charging Order, or starting bankruptcy proceedings
- Resolution
We will guide you through settlement discussions, payment plans, or final enforcement, depending on what achieves the best result for you.
Throughout the process, we will keep you updated and provide clear information about timescales and costs.
Why Choose Latimer Solicitors?
- Decades of experience in personal and civil debt recovery.
- Nationwide service across England and Wales
- Clear communication n plain English, no jargon.
- Transparent pricing, with fixed fee options where possible.
- Regulated by the Solicitors Regulation Authority (SRA), ensuring professional standards and confidentiality.
- Approachable, client-focused team dedicated to supporting you through what can be a stressful situation.
We take pride in providing professional legal advice with a personal touch. Every client receives the same care and attention, regardless of the size or complexity of their case.
