The first step in the process. A letter is sent through designated solicitors giving debtors an opportunity to settle the case. However, it does not bind you to taking legal enforcement action.
Letter Before Action
A Letter Before Action (LBA) is a formal letter that requests the payment of a debt and warns of the imminent issue of a court claim.
A Letter Before Action sets out what is owed from a debtor and provides a set time period in which to pay. This is an essential requirement of the debt recovery process. Before issuing any legal proceedings, a Letter Before Action must be sent or costs may be forfeited.
Making a claim
We can provide advice regarding how to take formal legal action against debtors at the following stages:
- Submitting claims.
- Responding to written defences.
- Preparing legal submissions.
- Court appearances.
Enforcing a judgment
Unfortunately, it is not always a case that a debtor will settle a County Court Judgment (CCJ) obtained against them. We can provide advice on an array of enforcement procedures:
- Sending bailiffs to collect payment.
- Obtaining an Attachment of Earnings Order where you can request that the court take the money from the debtor’s wages to pay the debt.
- Requesting the court make a Charging Order against the debtor’s land or property.
- Seeking a Third Party Debt Order. This orders someone who owes the debtor moneyto pay it to you instead. This is most commonly used to make debtor’s bank or building society pay money in their current or savings account to you instead.