High-Value & Complex Commercial Debt Recovery

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Large debts are rarely just bigger versions of small ones. They tend to involve disputed invoices, several companies, personal guarantees, cross-border elements, or debtors who deliberately delay. Recovia handles them as individual cases with a tailored strategy, not a standard workflow. For claims of £25,000 and above, you can speak directly with our Managing Director.

What makes a debt complex

• Group structures. The contracting company isn't the one holding the assets.
• Personal guarantees. Directors or parent companies may be liable alongside the debtor.
• Partial disputes. Part of the invoice is challenged, used as a reason to withhold the whole amount.
• Cross-border debtors. Assets or trading operations are outside England and Wales.
• Deliberate delay. Debtors who know the process and use every step to buy time.

How we handle it

1. Evidence review. Contracts, guarantees, correspondence and the payment history, to establish exactly who owes what.
2. Asset and entity investigation. Filings, property, directors and connected companies. Where money has moved, our investigative intelligence and forensic accounting services can trace it.
3. Strategy. A written plan that sets out the route, costs and likely outcomes. You approve it before we act.
4. Coordinated recovery. Pressure on every liable party, including guarantors and associated entities, with legal specialists involved from the outset through our legal partner.
5. Settlement or enforcement. Negotiated where that gets the best result, enforced where it doesn't.

Confidentiality

High-value disputes are often commercially sensitive. We handle them discreetly and agree with you how the debtor, and any third parties, are approached.

Frequently asked questions

Is no collection, no fee available on high-value cases? It can be, depending on the case. Pricing is agreed in writing before we start.

Can you act where the debtor is overseas? Yes, through our international recovery service and partner network.

We've already started proceedings. Can you take over? Yes. We'll review where the case stands and advise on the next step.

Related: Investigative Intelligence · Forensic Accounting · International Recovery · Statutory Demands & Winding-Up · Corporates & Portfolios

Discuss a claim of £25,000+ with our Managing Director or call 01527 369593.