Debt Recovery
Whatever the specific nature of the debt you want to recover, we’ll find the best strategy and then guide you through the process.


We advise a broad range of clients in this area, on everything from single high-value debts to volume recovery work. We have particular expertise in the financial services sector: the recovery of secured and unsecured debt, and in guarantee enforcement. We also frequently help clients to recover outstanding contractual debts, invoices and loans, and we help property clients with rent arrears and other landlord/tenant debts.

Whatever the specifics, we’ll provide clear advice on all the available options. We’ll also provide clear and transparent pricing, and give you an indication of how long the process might take.

The first step is to identify the most appropriate strategy, taking into account both your particular needs and the nature and value of the debts you are looking to recover. We then use legal case management technology to provide an efficient and cost-effective service, including regular and specific reporting of key information.

Click here to view information required by the Law Society of Scotland Price Transparency Guidance in relation to debt recovery work in Scotland.

Click here to view information required by the Solicitors Regulation Authority (SRA) Transparency Rules in relation to debt recovery work in England and Wales.

Elaine Brailsford

Consultant

Gillian Carty

Partner and Chair

Leonore Dupont

Director

Alec Fair

Associate

Christopher Garden

Director

Gabriella Gilmour

Solicitor

Stephanie Hepburn

Partner

Shona Lean

Solicitor

John MacKenzie

Partner and Head of Commercial Disputes

Thomas McFarlane

Senior Associate

Laura McMillan

Director

Ben Pilbrow

Partner

Alexandra Roobottom

Senior Solicitor

Philip Sewell

Partner

Ben Sheppard

Senior Associate

Ross Simpson

Senior Solicitor

Sarah Walker

Director

Serena Weir

Senior Associate

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Related articles and insights: Debt Recovery

14 January 2025

Winding up on the rise – practical issues to be considered

Contributor: Gillian Carty

As businesses brace for challenges in 2025, rising costs and an increase in winding-up petitions highlight the issues surrounding unpaid debts. Creditors need to exercise caution, while debtors should promptly communicate any disputes.

28 October 2024

Interest rates in construction contracts: What is considered a “substantial remedy”?

Contributor: Leigh Herd

Two recent TCC decisions have clarified how parties can disapply the statutory right to interest on late payments under the Late Payment of Commercial Debts (Interest) Act 1998. These cases provide insight as to what counts as a “substantial remedy” that can oust the 1998 Act.

5 December 2023

Moveable transactions – Scotland v England Round 2 – taking security over chattels

Contributors:
Andrew Kinnes, Hamish Patrick

In this article, Hamish Patrick and Andrew Kinnes from our banking and finance team, provide commentary on The Moveable Transactions (Scotland) Act 2023, which when in place will arguably move the Scots law ahead of the law south of the border. Our experts test whether or not that is the case when taking security over chattels. 

31 October 2023

Moveable transactions – Scotland v England: Round 1 – assigning receivables

Contributors:
Andrew Kinnes, Hamish Patrick

Scottish moveable transactions law is currently outdated and much less useful in practice than the law in England and Wales. The Moveable Transactions (Scotland) Act 2023 will bring Scots law up to date when it comes into force and will arguably move it ahead of the law south of the border. This article, first published in the October issue of the Butterworths Journal of International Banking and Financial Law, tests whether or not that is the case when assigning receivables.  

2 March 2021

Administration appointments: what do you need to think about?

Contributor: Fiona McKerrell

When a borrower is in default and a lender is considering relying on its floating charge to appoint administrators to the borrower, there are a number of factors to consider. In this article, we look at some of the key considerations and some recent cases that highlight potential pitfalls in the appointment process.

20 February 2018

New regime for the contractual rights of Third Parties in Scotland

Contributor: Ann Stewart

Download our briefing on the Contract (Third Party Rights) (Scotland) Act 2017, which is the outcome of the Scottish Law Commission's recommendation to create an updated statutory regime for third party rights, replacing the common law rules. 

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