Debt Recovery
Converting receivables into cash while protecting relationships
Overdue receivables can threaten cash flow, distract management, and indicate deeper counterparty stress or strategic non-payment. A debt recovery strategy must be commercially proportionate, evidence-led, and designed to avoid unnecessary litigation while preserving leverage.
STA Legal acts for businesses of all sizes across multiple sectors. We provide structured recovery programmes for single debts and portfolio instructions.
Our debt recovery expertise
Pre-action strategy and negotiation
We analyse the debtor profile, documentation and any underlying dispute, then:
- Issue structured demand correspondence with escalating consequences
- Clarify credits, disputes and set-offs to avoid unnecessary litigation
- Negotiate payment plans or settlements compatible with your risk appetite
- Invoke contractual interest and costs provisions where appropriate
Litigation and insolvency-based recovery
Where escalation is required, we advise on:
- County Court or High Court debt claims
- Summary judgment where defences lack real prospects
- Statutory demands and winding-up/bankruptcy petitions, used responsibly
- Engagement with office-holders to investigate antecedent transactions and asset transfers
Portfolio recoveries and repeat late payers
For clients with recurring delinquent accounts, we:
- Design tiered escalation protocols and template suites.
- Segment debtors by value, jurisdiction and risk profile.
- Provide standardised reporting on recovery rates, timelines and cost-to-collect.
Contact us
Discuss a specific overdue account or portfolio recovery project
Implement a repeatable credit-enforcement framework
Coordinate recovery with enforcement and insolvency options