Debt Collection

Debt Collection Solicitors

M & M Solicitors provide cost-effective debt collection services and expert legal advice to businesses of all sizes. Our specialist team understand the urgency that is involved in chasing up debts and can assist wherever you are based.

Having unpaid invoices and debts can have a devasting impact on any business and its cash flow. Chasing late payments can be frustrating and time-consuming.

We ease the pressure so you can get on with your business and we will guide you through the commercial debt recovery process to collect what you are legally owed.

With our expert litigation team, we are also able to handle disputed or complex claims by providing comprehensive advice on a wide range of debt recovery matters.

Every business is different, which is why we work closely with you to find the best solution to recover your debts, offering a bespoke service where we can help as little or as much as you like.

Free Initial Discussion

We understand that you will want to discuss your matter with an expert solicitor, which is why we offer a no-obligation, free discussion to see how we can assist you. Please call us on 0292 048 2444 or email us at

What are the time limits for debt recovery?

It depends on whether they are secured or unsecured debts. With unsecured you have 6 years from the date of the debt or from the date the debtor last acknowledged the debt to start a legal claim.

For secured debts, you have 12 years from the date of the debt or last acknowledgement of the debt.

It is therefore vital to get on top of debts before it is too late, both in terms of time and cashflow. We can provide advice about the appropriate steps to take, including liaising with the debtor on your behalf.

Can I charge interest on overdue debts?

Yes, you are able to charge a statutory rate of interest or the amount that is written into your original payment terms with the debtor.

Our Debt Recovery Services

Our specialist and proactive teamwork with clients from many sectors and are able to offer a wide range of debt collection services including:

  • Developing credit control systems to avoid debt recovery action
  • General debt recovery advice
  • Insolvency support
  • Legal collection
  • Letters of claim
  • Payment agreements
  • Pre-legal collection
  • Enforcement of debts
  • Statutory demands issuing legal proceedings
  • Volume debt recovery

Managing cash flow is key to the health and success of any businesses. We can save you stress, time and money, leaving you free to carry on with running your business.


In many circumstances, we can offer a competitive fixed fee for debt collection based on producing and sending a demand letter. This is a highly effective tool for settling most debts.

If your case is more complex or a bespoke solution is required then we always offer highly competitive legal fees and an estimate of the likely costs involved.

Contact Us Today

For a free discussion about your individual circumstances, please contact us below.

To speak to our debt collection team, please call us on 029 2048 2444 or email us at

We can assist wherever you are based and have offices in Cardiff.




If you would like to speak to our team about your circumstances, please fill in your details and we will get back to you.