Commercial Debt Recovery Manchester

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Recovia recovers unpaid invoices and commercial debts for businesses across Manchester and Greater Manchester. We handle everything from a single overdue invoice to a ledger of aged accounts, with no-win, no-fee recovery on suitable cases.

Built for service businesses as well as suppliers

Alongside trade and logistics, Manchester has a strong professional, digital and creative sector. Their debts often look different from a straightforward unpaid delivery:

• Retainers and monthly fees that quietly fall months behind
• Project work where the client disputes scope, or payment milestones slip
• Agency and consultancy invoices held up in a larger client's approval process
• Wholesale, logistics and trade supply debts across the North West

For service debts, evidence decides the outcome. We look closely at what was agreed, what was delivered and what the client said at the time. Then we set out the demand so it's hard to argue with.

How we recover the debt

1. Free assessment. We review the contract, statements of work, emails and invoices, and check the debtor's credit, insolvency status and Companies House filings.
2. Formal demand and negotiation. Letters, calls, email and SMS to the people who can authorise payment. Statutory interest and compensation are added where the Late Payment Act applies.
3. Agreed outcome. Payment in full, or a written repayment plan you approve.
4. Court and enforcement, only with your approval. County Court proceedings through our legal partner, then enforcement suited to the debtor's assets.

Manchester and the courts

Most money claims in England and Wales are issued centrally by HMCTS. Defended claims move to a County Court hearing centre. Manchester is one of the seven regional centres of the Business and Property Courts, which hear larger commercial disputes outside London.

After judgment, enforcement options include attachment of earnings, third-party debt orders, charging orders and taking control of goods. Judgments of £600 or more can be passed to High Court Enforcement Officers.

What to send us

• Invoices and statements, plus the contract, proposal or statement of work
• Evidence the work was delivered, such as sign-offs, reports or emails
• The debtor's full company name, number and address
• Any complaint, dispute or promise to pay

Frequently asked questions

Can you recover unpaid retainer fees? Yes, where the contract supports them. We'll check the notice and termination terms first.

The client says the work wasn't finished. Can you still help? We'll review the evidence and tell you honestly whether the debt is worth pursuing, and on what basis.

Do you only cover Manchester? No. We cover England, Wales and Scotland, and international debts through partners.

Related: Commercial Debt Recovery · No Win No Fee · Credit Control · Areas We Serve

Request a free debt assessment or call 01527 369593.