Chasing debt – here’s how to do it


How to deal with being owed money in 3 easy steps

We all spend our lives wishing it grew on trees, so is it any wonder nothing drives people more crazy than being owed money? Whether you have done some work for someone and not been paid or leant a friend some cash you need back, you have a legal right to your money. If a person or company owes you money and won’t pay, there are ways of recovering the debt without getting a modern day Robin Hood involved. The action you take will depend on the size of the debt and your ability to prove that you are owed the money.

Step 1: chase the debt

Speak to the person who owes you money. You may be able to informally agree a plan to get the money repaid. If that doesn’t work, you can write a letter. Outline how much they owe you, why they owe it you and the steps you have already taken to get it back.

Handy tip – try to avoid getting drawn into arguments or lengthy discussion about the issue, communicate your side, keep a record and leave it at that

Step 2: mediation

If you are unable to come to an agreement over the debt, you can get help negotiating a solution using a mediation service. In mediation a trained specialist helps two sides find a solution to a dispute. It can be quicker, cheaper and less stressful than going to court. A solicitor could also help at this stage should you see the need for a more formal medication.

Handy tip – don’t worry if this more subtle tact doesn’t work, you still have the option to take the case to court later down the line

Step 3: bring in the professionals

If you’re not able to come to an agreement, it can be helpful to discuss your case with a solicitor who’s experienced in debt recovery, such as one of the team as Best Solicitors. For a small fee we can contact the debt holder on your behalf and make them aware that legal action may be taken if they don’t pay. We will also be able to advise you on what your best next step would be and whether it would be worth taking the case to court.

Handy tip – this is often enough to show people you are serious and pay up

If you would like any help or advice on any aspect of debt or borrowing please contact Best Solicitors, your partner in law, on 0114 281 3636 or email us confidentially on

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