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Creditor Services
Recover What You’re Owed: Efficiently, Expertly, and Without Delay
If you’re a finance or credit control professional, Bermans Creditor Services can provide you with fast, cost-effective, and expert-led solutions. Our service is designed to help you recover what you’re owed with minimal hassle and cost. From pre-action letters to full enforcement, we handle the legal complexities so you can focus on your business.
Why Choose Bermans Creditor Services?
Integrated Legal & Recovery Expertise
We combine decades of litigation experience with specialist debt recovery services, all under one roof.
Cost-Neutral Recovery
We aim to collect our fees from your debtor, meaning you keep 100% of what you’re owed.
Interest & Costs Claimed
We pursue statutory or contractual interest and legal costs alongside your debt, maximising your recovery.
Tailored for Businesses & Financial Institutions
Whether you’re a financier or supplier our service is built for speed, scale, and compliance.
What’s Included in Creditor Services?
Bermans Creditor Services offers a comprehensive, end-to-end approach to debt recovery, combining fixed-fee simplicity with expert legal support.
Our fixed-fee and hourly-rate services cover the full debt recovery lifecycle:
1. Pre-Litigation Action
- Letters Before Action
A formal demand letter sent to the debtor, often prompting payment without the need for court proceedings. - Pre-Statutory Demand & Pre-Winding Up Letters
Early-stage legal notices warning of potential insolvency action if the debt remains unpaid. - Statutory Demands
A formal legal demand for payment that can lead to bankruptcy or winding-up proceedings if ignored. - Bankruptcy & Winding Up Petitions
Court applications to initiate insolvency proceedings against individuals or companies who fail to pay.
2. Court Proceedings
- Uncontested Debt Recovery
Fixed-fee legal action to recover debts where the debtor does not dispute the claim. - Litigation Support
Expert legal representation for more complex or defended claims, charged at recoverable and competitive hourly rates or fixed fees.
3. Enforcement Options
- Charging Orders
Secure the debt against the debtor’s property, allowing for future sale to recover funds. - Attachment of Earnings
A court order that deducts payments directly from the debtor’s wages. - Third Party Debt Orders
Freeze and recover funds held by a third party (e.g. a bank) on behalf of the debtor. - Oral Examinations
A court-ordered interview requiring the debtor to disclose their financial situation under oath. - High Court Enforcement Officers (HCEO)
Authorised officers who can seize assets or enforce judgments for debts over £600.
Why Bermans?
- 50+ years of legal excellence
- Specialist finance and commercial litigation team
- Transparent pricing and fixed-fee options
- National coverage with offices in Liverpool & Manchester
- Proven results across sectors: finance, trade, and more
