Public Sector Debt Recovery

Our highly skilled debt recovery team recovers commercial and consumer debts of all sizes for public sector organisations, businesses and individuals. Our services range from high-volume, pre-legal debt collection to formal legal and insolvency action.

Our team is structured to combine the advantages of a cost-effective debt collection service with the expertise of our wider commercial disputes team.

We will work closely with you to achieve the highest recovery rates and best possible outcomes. We aim to recover debts quickly and efficiently without the need for formal legal action, but if insolvency or court proceedings are unavoidable or are in your interest, we have a proven track record of obtaining results.

We are responsive, easy to work with and cost-conscious. We are transparent on costs and offer fixed fees in many cases.


We can help with any aspect of debt recovery including:

  • Pre-legal collection including the tracing of a debtor, up-to-date financial information on a debtor, telephone debt collection and a letter before action.
  • Legal collection including County Court proceedings and the enforcement of a County Court judgment to recover payment of the debt.
  • Insolvency action including statutory demands, winding up and bankruptcy proceedings.
  • Payment agreements including instalment monitoring, chasing defaults and regular instalment assessments.
  • Asset tracing and recovery.

Like to talk about Debt Recovery?

What clients say

"The firm provides clear guidance, risk assessment and explanation and is to the point and timely in its responses."

Legal 500 2024

"They are exemplary from start to finish. The advice they provide is insightful and focused."

Chambers & Partners 2024

"Geldards have been excellent and are very available to provide advice."

Chambers & Partners 2024

"The team has incredible strength and breadth in advising the public sector. They understand law in Wales and the differences that now exist with the law of England and Wales."

Public Sector, Wales, Legal 500 2023

To Top