Quite often it is not sufficient to simply obtain a court order, even though your debtors should by then have been 'credit black-listed'.

Our range of options to enforce are:

Seizing/Selling Debtors Goods

County Court Bailiffs can be used for this service but in our experience they are extremely ineffective and our recommendation is to plump for the better alternative namely instructing a sheriffs officer. Their fees are slightly more and for current costs please telephone us. Clients will always receive a written report, and often a cheque following the sheriffs' action. For more info contact info@drdirect.co.uk

Summon your debtor to court

This is another popular service and often forces the debtor to pay. The debtor or company director receives a personal summons to attend the court at a specific date and time to give full details in relation to their finances such as Bank account and mortgage account information which can be useful at a later stage.

They are also questioned on oath as to their ability/offer to pay and we get many successful instalment payers this way.

Attachment of earnings

Any debtor currently in P.A.Y.E employment (an employee rather than self-employed) can be subjected to this procedure. An order is made to their employer to deduct the judgment debt from their wages/salary every week/ month until the amount is paid.

3rd Party Debt Orders

These used to be known as garnishee orders and basically are aimed at obtaining settlement from the debtors Bank or Building society account. It is prudent however to obtain the name, number and sort code of the account in advance and this can be done either via summoning the debtor to court for questioning or from a previously photocopied cheque from any payments that the debtor may have paid in the past.

Charging Orders

A very useful tool to apply especially in the case of debtors who have their property on the market or for sale. The objective being to register a caution against that property so that the solicitors dealing with the sale have to settle your judgment debt from the net sale proceeds. It can also be used as a "safetynet" if the property is not on the market but do ensure that you check ownership with Land Registry first.