Debt Recovery Fixed-Fee Services at Stephensons
Unpaid invoices and overdue debts can cause significant disruption for any organisation. They impact cash flow, create operational uncertainty, and can even hinder your ability to pay staff, suppliers or creditors. At Stephensons, we understand just how damaging these situations can be and how important it is for businesses to regain control quickly and confidently.
Our dedicated debt recovery team supports businesses of all sizes with clear, efficient and cost-effective solutions. Whether you require tailored credit control services, fixed-fee debt recovery letters, or full proceedings issued on your behalf, we provide a straightforward path to getting your business paid.
We’re committed to making legal services easier to access, more transparent, and better value for money.
Fixed-Fee Debt Recovery: Clear, Efficient & Designed Around Your Business
At Stephensons, we specialise in invoice debt recovery, working exclusively on a fixed-fee basis for undisputed business debts. This gives clients certainty from the very beginning – no unexpected costs, no hidden charges.
Our team is:
- Fast: same-day letters before action for instructions received before 4pm
- Efficient: expert processes for recovering outstanding invoices
- Specialist: experienced in business, individual, financier and international debt recovery
- Supported: backed by expert commercial litigators for complex or disputed cases
If your business requires support with bulk debt recovery, we can also provide scalable services to meet your needs.
For tailored advice, contact us on 0333 999 7155 for a free initial telephone consultation and a complimentary debt recovery health check.
Who We Help
Our clients include:
- Asset-based finance companies
- Large corporates
- SMEs and family businesses
- Owner-managed businesses
- Private individuals
- International organisations
Whether the debt is commercial, personal or cross-border, our experienced team can guide you through the most effective route to recovery.
What Does Debt Recovery Cost?
Below is a full breakdown of our fixed-fee structure for undisputed debts where enforcement action is not required. If a claim becomes disputed, we will advise you on next steps and any additional costs before proceeding.
Stage 1: Pre-Action Services
Letter Before Action (LBA)
Company debt: £30 + VAT
Individual/sole trader: £70 + VAT
International: £70 + VAT
Payment deadlines:
- Companies: 14 days
- Individuals: 30 days (per court guidelines)
- International: varies by jurisdiction
Additional Pre-Action Assistance
- Second letter of demand: £40 + VAT
- Review & advice on debtor response: £100 + VAT
- Preparing detailed reply/final demand/offer of settlement: £125 + VAT
- Negotiating settlement/instalment plans & drafting agreement: £250 + VAT
Pre-Action Recovery Advice
A comprehensive review of invoices, contracts and recovery options, including entitlement to interest & compensation under the Late Payment of Commercial Debts (Interest) Act 1998.
Fixed fee: £225 + VAT
Stage 2: Court Action
If your debt cannot be resolved pre-action, we can take the matter to court. Our fixed-fee court action services start from £150 + VAT, depending on the value of the debt. This fee includes issuing the claim and requesting default judgment where available.
For larger or more complex claims, fees are structured on a fixed-fee or bespoke basis, giving you certainty about costs from the outset.
Timescale: Once the court has served the claim, a debtor has 14 days to acknowledge service, then a further 14 days to file a defence. Following this period, a request for judgment can be made, which usually takes around 10 working days to be entered.
Stage 3: Enforcement
If the debtor still does not pay following judgment, enforcement action may be required.
Enforcement Letters
- Letter demanding payment of judgment: £45 + VAT
- Letter to company debtor warning of intention to present a winding up petition: £90 + VAT
Detailed Enforcement Advice
If you require a full overview of available enforcement options, we provide this for:
£125 + VAT
(For full enforcement pricing, please visit our website.)
Why Choose Stephensons?
Our commercial debt recovery team is renowned for:
- Strong expertise in large-scale commercial and loan recovery
- Swift and efficient action from beginning to end
- Transparent fixed-fee pricing
- Reliable communication and specialist guidance
- A proven track record across a broad range of industries
We have built a reputation for professionalism, responsiveness and results — qualities our clients consistently commend.
Speak to Our Specialists
If your business is dealing with unpaid invoices, overdue debts or customers who simply won’t pay, our team is here to help.
📞 0333 999 7155
📧 CommercialEnquiries@stephensons.co.uk
Download our full information leaflet here
