Free for creditors · No obligation · UK-based
Owed money? Compare UK debt recovery agencies — free.
Tell us what you're owed and we'll match it against vetted UK agencies — fees, recovery models and specialisms. The right agency gets in touch, ready to act. Agencies pay us for the introduction; you pay nothing.
- ✓ No obligation
- ✓ No pay-to-rank — ever
- ✓ Details shared only with our vetted panel
How it works
Three steps to the right agency
STEP 01
Tell us about the debt
Amount, type of debt and where the debtor is based. It takes about a minute and you won't be asked for anything you don't have to hand.
STEP 02
We compare the panel for you
Your case is matched against vetted agencies' fee models, minimum debt values, specialisms and coverage — ordered by fit, never by who pays us most.
STEP 03
The right agency gets in touch
Usually within one working day. They set out their fees and terms up front, and you're under no obligation until you instruct them.
The matching
Matched on what matters — never on marketing spend
Every agency on the panel is profiled the same way, so your case is compared like for like. Your match is decided on:
Fee model
Fixed fee, commission or hybrid — whatever the model, it's set out up front before you commit to anything.
Minimum debt value
You're only matched with agencies that actually take debts your size. No wasted enquiries.
Specialisms
Invoice debt, rent arrears, CCJ enforcement, trace work — matched to your case.
Coverage
Where the agency operates, matched against where your debtor is based.
No agency can pay for placement — your match is decided by fit alone. The agency introduces itself with full credentials and its fees in writing, and nothing starts until you instruct them.
Start from your situation
Whatever you're chasing, start here
New to all this? Our complete guide to debt recovery walks the whole process — demands, costs, court and enforcement — in plain English.
Recover an unpaid invoice
Late invoices are the most common commercial debt in the UK — and the easiest to leave too long. The older an invoice gets, the harder it is to collect. A specialist agency puts structured pressure on the debtor: formal demands, credit-file consequences and, where needed, escalation to legal action.
Get matched →
Recover rent arrears
Whether it's a commercial tenant behind on rent or a former residential tenant who left owing money, rent arrears have their own legal routes — and agencies that specialise in them. The right recovery route depends on whether the tenancy is ongoing, the tenant's circumstances, and how much is owed.
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Enforce a CCJ and actually get paid
Winning a County Court Judgment doesn't put money in your account — enforcement does. If a debtor is ignoring a CCJ, you have several enforcement routes, and choosing the right one for the debtor's circumstances is what decides whether you get paid.
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Free tool
Late invoice? You're owed more than the invoice.
On overdue commercial invoices, UK law lets you add statutory interest — 8% plus the Bank of England base rate — and a fixed compensation fee of £40 to £100 per invoice. Our free calculator works out exactly what you can claim, and drafts the wording to send.
Open the calculator →Example · £4,200 invoice, 90 days overdue
- Fixed compensation
- £70.00
- Statutory interest accrued
- £121.68
- Total you can demand
- £4,391.68
Illustration at 11.75% (8% + 3.75% base rate). The calculator uses your figures and dates.
Why CompareDebtRecovery
Impartial by design — here's how we make money
Agencies pay, you don't
When an agency takes on your case, it pays us for the introduction. That's our only income. We're never paid by you, and never paid extra to push one agency over another.
No pay-to-rank
Listing on the panel is free and every agency pays the same way, so no one can buy the top spot. What you see is ordered by fit for your case — nothing else.
Your details stay yours
We share your details only with the vetted agency taking your case — never sold, never added to marketing lists, never passed to anyone else. No cold calls, ever.
News & guides
Plain-English reads on getting paid
Statutory interest on late invoices: the July–December 2026 rate
The statutory interest rate for late commercial payments is fixed every six months. Here's the current rate, how to calculate what you're owed, and the fixed compensation you can add per invoice.
15 September 2026Read →
GuidesFixed fee, commission or hybrid: how debt collection agencies actually charge
The fee models UK debt collection agencies use — fixed fees, commission, no-win-no-fee and hybrids — typical rates for commercial debt, what moves the price, and the red flags that should end a conversation.
12 September 2026Read →
EnforcementWon your CCJ but still not been paid? Enforcement options, ranked by situation
A County Court Judgment doesn't collect itself. High Court enforcement, bailiffs, attachment of earnings, third-party debt orders and charging orders — which route fits which debtor.
8 September 2026Read →
Good to know
Questions, answered
Is it really free?
Yes. Comparing and being introduced costs you nothing. Agencies pay us for introductions — that's the whole business model. You never pay us, and no agency can pay to rank higher.
Will I get sales calls?
Not from us — we never cold-call and we never share your number with marketers. Your details go only to the vetted agency handling your case, so they can contact you about it.
What kinds of debt can I chase?
Unpaid commercial invoices, rent arrears (commercial and residential), CCJs that need enforcing, business and personal loans, and most other UK debts owed to you.
How do the agencies charge?
Models vary: fixed fees for defined actions, commission on what's recovered (sometimes offered as no-win-no-fee), or a hybrid — an upfront fee with a reduced commission. The agency that takes your case sets out its exact model up front, before you commit to anything.
Ready to get your money moving?
Tell us what you're owed — we'll match it against vetted UK agencies on fees, model and specialisms, and the right one gets in touch. Free, no obligation, no cold calls.