Debt Recovery Services for
Commercial Clients

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Debt Recovery Services for Commercial Clients

Specialist Legal Support for Construction Payment Disputes

At My Commercial Lawyers (MCL), we specialise in recovering unpaid debts for businesses in the construction and trades sector. Our team of experienced solicitors and barristers understands the common challenges in this industry—delayed payments, contractual disputes, withheld retention funds, and project overruns.

Late or unpaid invoices can cause serious cash flow issues, delaying projects and putting businesses at risk. We provide strategic and legally compliant solutions to help contractors, subcontractors, and suppliers secure payment quickly and efficiently, while minimising disruption to ongoing work.

Common Payment Issues in Construction

Unlike other industries, construction payments often follow complex contractual structures, leading to disputes over:

Our legal team helps navigate these challenges, ensuring that you recover what you’re owed while staying within the framework of the Construction Act 1996 and contract law.

Our Debt Recovery Process

Initial Consultation & Case Assessment

Review of contracts (JCT, NEC, bespoke agreements) and outstanding invoices.
Assessment of the debtor’s financial position and recovery options.
Strategic advice on the most effective next steps.

Review of contracts (JCT, NEC, bespoke agreements) and outstanding invoices.
Assessment of the debtor’s financial position and recovery options.
Strategic advice on the most effective next steps.

Litigation & Court Action

Filing court claims for overdue payments.
County Court Judgments (CCJs) to formalise debt recovery.
Representation in disputes over valuations, variations, and defects.

Filing court claims for overdue payments.
County Court Judgments (CCJs) to formalise debt recovery.
Representation in disputes over valuations, variations, and defects.

Pre-Litigation Action

Issuing formal demand letters, referencing contractual obligations.
Negotiating settlements or repayment plans to avoid court action.
Using the Construction Act 1996 to enforce payments.

Issuing formal demand letters, referencing contractual obligations.
Negotiating settlements or repayment plans to avoid court action.
Using the Construction Act 1996 to enforce payments.

Enforcement & Recovery

High Court Enforcement Officers (HCEOs) for large debts.
Statutory demands, insolvency actions & winding-up petitions.
Charging orders on debtor’s assets (property, equipment, etc.).

High Court Enforcement Officers (HCEOs) for large debts.
Statutory demands, insolvency actions & winding-up petitions.
Charging orders on debtor’s assets (property, equipment, etc.).

Adjudication & Dispute Resolution

Adjudication as a fast-track option for recovering unpaid invoices.
Mediation & arbitration for resolving disputes without litigation.

Adjudication as a fast-track option for recovering unpaid invoices.
Mediation & arbitration for resolving disputes without litigation.

Why Work With My Commercial Lawyers?

Specialist Construction Knowledge: We understand the unique payment structures, contracts, and disputes within the building industry, ensuring the right approach for each case.
Fast & Strategic Debt Recovery: Our proactive approach helps avoid lengthy disputes, using adjudication and enforcement tactics to secure payments as quickly as possible.
Cost-Effective & Professional Service: We prioritise practical solutions to recover funds without unnecessary legal costs or business disruptions.

Get Help Today

If you’re dealing with unpaid invoices, contract disputes, or withheld payments, we can help. Contact My Commercial Lawyers today for specialist legal advice and tailored debt recovery solutions.

Phone / Fax

+44 (0) 208 087 4177

E-mail

reception@mycommerciallawyers.com

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