Hi, I’m hoping you might be able to help me with some questions regarding debt recovery and what you could do to help. Some background: I’m a graphic designer, Director of a limited company. I began working with a client (another design company, Ltd) in August 2020, completing a variety of design work for them. The client is a limited company and was/is in the process of transitioning from one company to another. In total I have invoiced them 4 times, 2 invoices have been paid and 2 are outstanding. The sum of the outstanding invoices is £1500. We had no official contract, much of the work and costings were discussed via phone and email which is obviously not ideal. I have an email from the client after I sent my invoice where he said there was no issues with the invoice. I also have email correspondence and messages confirming certain costs of jobs which were within the invoice and the email trails of the jobs - so a pretty solid account of the work. After chasing the client myself multiple times via email and phone I instructed a debt recovery company to issue formal letters, make some calls etc. The standard debt recovery procedures. This company makes their money by recovering Late Payment Fees so I am not out of pocket yet. I am now in the situation where the debtor has ignored all correspondence from the debt collection company and my next course of action would be through legal means. The cost to start the proceedings would be; the court fee of £105.00 plus solicitors costs of £112.00+VAT = £239.40. The majority of these fees would be recoverable if I were to be successful. However I would need to pay these up front to get proceedings underway. Once proceedings are underway the debtor will be issued with the Claim Form. It is possible that the debtor could look to defend the matter, and or file a counter claim against me, for reasons I do not know which is one reason I’m looking for some input here. If he does not settle the debt or file a defence, the debt collection company will apply to the court for the entry of a County Court Judgment. This would then lead to the need of a High Court Enforcement Officer at the cost of £181 which would be recoverable if the debtor pays or has assets retrieved of value. Some concerns/questions: If it got to the bailiff stage I don’t know what assets he might have that would be of value. He might have computers but I’m assuming it would need to be in the business name for it to be used to cover the debt? What else could be retrieved for payment? What could his defence/counter claim be if he chose to defend the Claim Form? How strong/flimsy is my case if we didn’t have a contract drawn up? If a CCJ is issued to his business, how will that affect the business? i.e credit rating etc I’m basically trying to work out the ‘cost vs reward’. On one hand I feel the debtor shouldn’t be allowed to get away with not paying his debt and I should do what I can get payment. On the other hand I could let it go and avoid any potential drawn out battles. Sorry for the long message. It would be great to get some general advice on this. Thanks!