Tailored recovery with clear terms and control at every step
No two debts are the same. The right approach to debt collection depends on the specifics of the debt, the available evidence, the debtor’s position, and the commercial relationship you wish to protect.
Recovia takes the time to understand your case before recommending action. Whether it’s a single overdue invoice or a complex debt portfolio, we manage the professional debt recovery process with care, keeping you informed throughout, and only escalating matters with your approval.
1. Tell us about the debt
Start by sharing the essentials: who owes the money, how much is outstanding, what the debt relates to, and any invoices, agreements, or previous correspondence.
You can contact us by phone, email, or through our online form. We will review the information and discuss the specifics of the case with you.
2. We assess the case and agree on the right approach
Before taking any action, we consider the evidence, debtor profile, age and value of the debt, likelihood of recovery, commercial sensitivity, and your preferred outcome.
We then recommend a tailored recovery strategy. This might involve direct contact, negotiated repayment, tracing, further information gathering, or, when necessary, formal recovery action. Our terms are clearly established before work begins. We often operate on a no-win, no-fee basis, but pricing is always adapted to the specific case.
3. We begin personalised recovery
Once instructed, we act on your behalf using the most suitable channels for the case. This can include formal correspondence, telephone contact, email, and negotiated payment arrangements.
We do not rely on bulk letters or a fixed script. Every piece of communication is professional, proportionate, and designed to ensure the quickest resolution without jeopardising your reputation or commercial relationships.
4. You stay informed and in control
We keep you updated on progress, debtor responses, and recommended next steps. If a payment offer, settlement proposal, or repayment plan is received, we will review it with you before agreeing to any terms on your behalf.
You will always know the status of your case and what options are available.
5. We resolve the debt wherever possible
Many cases are settled through direct engagement, full payment, an agreed settlement, or a realistic repayment plan. Our focus is on achieving the best practical outcome for your business through effective credit control—not just following a standard process. If circumstances change, we will reassess the strategy and advise you accordingly.
6. Legal action and enforcement—only when appropriate
If informal debt recovery does not yield results, we evaluate whether legal action or enforcement is a sensible next step. This involves assessing the available evidence, the debtor’s financial state, likely costs, and the prospects of recovery.
No legal action is initiated without your prior authorisation. When necessary, we collaborate with relevant legal and enforcement professionals to pursue the next phase of recovery.
7. Recovery, reporting, and ongoing support
When funds are recovered, we provide a clear statement outlining the recovery, agreed fees, and the amount due to you. We can also assist your business beyond individual cases through credit control, debtor tracing, portfolio management, and proactive arrears monitoring.
What we need to get started
To assess a case, we typically request:
Your business and contact details
The debtor’s information
The outstanding balance and invoice details
Relevant contracts, purchase orders, or agreements
Previous correspondence and payment history
Your preferred outcome and any considerations regarding existing relationships.
Not every case requires the same information. We will guide you on what is most pertinent to your situation.
Frequently asked questions
How long will recovery take?
Recovery time varies based on the specifics of the debt, the debtor’s response, and whether further action is necessary. We will provide realistic guidance once we have evaluated the case.
Will you contact my debtor directly?
Yes. We manage communication in a professional manner on your behalf, utilising an approach that is suitable for the case and your commercial relationship.
Will legal action happen automatically?
No. Legal escalation is never automatic. We will discuss options, expected costs, and practical considerations with you first, proceeding only with your authorisation.
Can you help with more than one debt?
Absolutely. We support businesses with single debts, multiple aged invoices, and larger debt portfolios. Additionally, we can provide ongoing credit-control support to help prevent future arrears.
Ready to discuss a debt?
Share your situation with us, and we will evaluate the most appropriate route to recovery.