26/05/2026
One of the most common questions asked about debt recovery is: ‘Is it actually worth pursuing a debt?’
Our answer is usually the same — if someone owes you money and reasonable attempts to resolve matters have failed, it is often worth taking advice on the next course of action.
Debt recovery is something that can affect everyone, not just businesses. It can have a detrimental impact on your cashflow and finances which can lead to future problems developing. We regularly speak to individuals who are owed money by friends, family members, former partners, tenants, or customers and simply do not know what options are available to them.
Questions we are often asked by our clients are:
“Do I need a written agreement?”
Not necessarily. Bank transfers, messages, emails, invoices, or other evidence can often help establish that money is owed.
“What if they keep promising to pay but never do?”
This is extremely common. A formal Letter Before Claim from a solicitor is often enough to prompt payment or meaningful engagement.
“Will I have to go to court?”
Not always. Many debt recovery matters are resolved before proceedings are ever issued.
“What happens if they ignore everything?”
If there is no response, court proceedings may be issued and a County Court Judgment (CCJ) obtained where appropriate.
“What if they still refuse to pay after judgment?”
There are various enforcement options available once a judgment has been obtained and the best course of action is often dictated by the circumstances of the case. Our experts are of course on hand to guide you through these options and the likely outcomes following them.
One of the biggest misconceptions about debt recovery is that it needs to be aggressive or confrontational. In reality, a clear and structured legal approach is often the most effective way to resolve matters efficiently.
If you are owed money — whether personally or through your business — taking advice early can make a significant difference to the prospects of recovery.
https://www.gomerwilliamssolicitors.co.uk/news/v/104-is-it-actually-worth-pursuing-a-debt/
Practical Legal Support to Recover Outstanding Debts for both individuals and businesses across England and Wales