Debt Recovery

Low Value Debt Recovery Service


For debts under £100,000, we offer a tailored low value debt recovery service.

Fees Information

We offer flexibility as to how you pay for our services. We can agree fixed fees or, if you prefer, we can charge on an hourly basis.

Typically, for recovery of an undisputed debt for a value under £100,000 we will charge in the region of £2,500 to £20,000 (plus VAT) (excluding enforcement and any work post-winding up/bankruptcy).

The length of time it takes to recover an undisputed debt depends, in part, on the attitude that the debtor takes to paying back the debt. However, typically, it will take:

  • 3 to 6 months to obtain a judgment in your favour (through issuing and serving a claim, and subsequently applying for summary judgment/default judgment).
  • 3 to 4 months to obtain an order the debtor be wound up/made bankrupt. (Note, you can only apply for a company to be wound up if it owes you over £750, and you can only apply for an individual to be made bankrupt if they owe you more than £5,000.)

If you obtain a judgment in your favour, the debtor will then have a short period (usually 14 days) within which to pay the debt. If they don’t do so, you would be entitled to take enforcement action (e.g. through taking control of the debtor’s goods, a charging order over the debtor’s assets, or an attachment of earnings order).

If an order is made that a debtor be wound up/made bankrupt, the debtor’s assets will be collected by a liquidator/trustee in bankruptcy and distributed between the creditors. This can be a time-consuming process and, typically, creditors will only recover a percentage of the debt that they are owned. Sometimes, a debtor will not recover any money at all.

Recovery of a disputed debt may cost more than recovery of an undisputed debt, but we will always seek to ensure our fees are commensurate with the value you are seeking to recover.

Please note, if you succeed in recovering your debt, you will typically be entitled to recover a proportion of your legal fees and disbursements from the debtor.


Please see below a non-exhaustive list of the disbursements you may need to pay, in order to recover a debt:

Process Server Fees

For undisputed debts, the best first step will often be to serve a statutory demand on the debtor.

We will usually instruct a process server to serve the statutory demand. Typically, process server’s fees will be in the region of £100-200 plus VAT.

Court Issue Fees (no VAT is charged)

Value of debt (£) Fee (£)
Under 300 35
300 to 500 50
500 to 1,000 70
1,000 to 1,500 80
1,500 to 3,000 115
3,000 to 5,000 205
5,000 to 10,000 455
10,000 to 200,000 5% of the value of the claim
Over 200,000 10,000

Court Trial Fees (no VAT is charged)

Track  Value (£) Fee (£)
Small Claims Under 300 25
300 to 500 55
500 to 1,000 80
1,000 to 1,500 115
1,500 to 3,000 170
Over 3,000 335
Fast Track Any (typically 10,000 to 25,000) 545
Multi Track Any (typically over 25,000) 1,090

Counsel’s Fees

Depending on the value of the debt (and whether it is disputed or not), we may wish to instruct Counsel (i.e. a barrister) on your behalf (and with your approval) to assist with tasks such as drafting pleadings and conducting advocacy in the courtroom.

Counsel’s fees vary. However, we will always seek to ensure that Counsel’s fees are commensurate with the value you are seeking to recover.

Please note, VAT would be payable on Counsel’s fees.

Charge-out rates

The hourly rates we charge for debt recovery work (assuming that no fixed-fee is agreed) range between £200 and £450 per hour (plus VAT and disbursements), depending on the level of experience of the fee earner dealing with the work and the nature of the work involved.