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.

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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

Call our Liverpool office  (0151 224 0500)

Call our Manchester office  (0161 827 4600)