PROFESSIONAL DEBT RECOVERY & CONSULTANCY
FJK Collections & Consultancy Ltd provides professional debt recovery and consultancy services to a wide range of businesses, as well as individuals. With over 30 years of industry expertise, we aim to resolve overdue accounts and strengthen our clients financial stability as expediently as possible.
We deliver fast, effective debt recovery solutions designed to secure payment while protecting our clients business relationships. Our team manages every stage of the process — from initial contact to full enforcement — ensuring outstanding debts are resolved efficiently and compliantly.
Using proven strategies, clear communication, and fully compliant processes, we work to maximise our clients cash flow and reduce the impact of overdue accounts. Our services are aligned with UK regulations and industry best practice.
From pre‑action engagement through to formal recovery steps, we ensure that we recover our clients' outstanding debts ethically, transparently, and efficiently.
DEBT RECOVERY
Our debt recovery service is designed to secure fast, effective results while maintaining professionalism and compliance at every stage. We engage with debtors promptly, using structured communication, negotiation, and escalation processes to maximise recovery outcomes.
Whether dealing with overdue invoices, commercial debts, consumer arrears, or long‑standing delinquent accounts, we apply proven strategies that reduce write‑offs and improve cash flow.
We operate with transparency, integrity, fair practice and a commitment to protecting our clients' business reputation throughout the recovery process.
DEBT CONSULTANCY
We provide specialist debt consultancy to assist businesses in strengthening their credit control, reducing exposure to bad debt, and implementing robust recovery procedures.
Our consultancy service includes reviewing existing processes, identifying weaknesses, advising on compliance obligations, improving terms and conditions where necessary, and designing tailored strategies to enhance payment behaviour.
From drafting internal policies to training staff on best practice, we support organisations in building sustainable, efficient, and legally sound debt management frameworks.
PRE-ACTION CORRESPONDENCE
Our pre‑action correspondence service ensures all communication issued before litigation is fully compliant with the relevant UK protocols, including the Pre‑Action Protocol for Debt Claims.
We prepare and send formal letters of claim, demand notices, and structured follow‑up communications that clearly outline the debt, the required response deadlines, and the consequences of non‑payment. This stage also provides the debtor with an opportunity to pay or negotiate settlement and avoid the matter progressing into the legal arena.
This stage is critical for encouraging early settlement, demonstrating reasonableness, and protecting our clients position should legal action become necessary.
INSOLVENCY
We provide insolvency‑related services for cases where a debtor is unable or unwilling to pay, indicating that they may be insolvent.
This stage includes issuing statutory demands, advising on bankruptcy or winding‑up petitions, and guiding our clients through the implications and processes involved in insolvency‑based recovery.
Insolvency action can be a powerful tool when used appropriately, and we ensure all steps are taken lawfully, proportionately, and in our clients best interests, with full consideration of commercial impact at all times.
LITIGATION
When recovery requires formal legal action, we manage the entire litigation process from claim form preparation through to judgment then enforcement if required.
We draft and issue claims through the appropriate court, handle all procedural steps, respond to defences where required, and pursue enforcement via the available options once a CCJ is obtained.
Our litigation service is delivered with precision, compliance, and strategic oversight to ensure our clients case progresses efficiently and with the strongest possible chance of success.
CCJ ENFORCEMENT
When a County Court Judgment (CCJ) has been obtained, we provide comprehensive enforcement options to enhance the likelihood of the judgment being converted into actual payment.
Our CCJ enforcement service covers every available option, allowing us to apply the most effective method based on the debtor’s circumstances, assets, and behaviour. We assess the debtor’s financial position, advise on the most appropriate enforcement action, and manage the entire process from application through to completion of the case.
Enforcement options include:
Post‑Judgment Insolvency Action — including statutory demands and advising on bankruptcy or winding‑up petitions where appropriate, providing a powerful escalation route when a debtor or a debtor company is unable or unwilling to pay but has known assets.
Charging Orders — securing the debt against the debtor’s property.
Warrant of Control (County Court Bailiff) or Writ of Control (High Court Enforcement Officer) — using certificated enforcement agents to seize goods.
Third‑Party Debt Orders — freezing and redirecting funds held by banks or third parties.
Attachment of Earnings Orders — deductions taken directly from the debtor’s wages.
Order to Obtain Information — compelling the debtor to disclose their financial position under oath.
Our structured, compliant approach ensures our clients' judgment is enforced efficiently, compliantly, and with the highest likelihood of recovery.
TRACING
Our tracing service assists in locating individuals who have absconded from the last known address that we have on file, changed contact details, or become difficult to reach.
Using reliable data sources, reputable third‑party providers where necessary, investigative techniques, and compliant information‑gathering methods, we aim to provide accurate and up‑to‑date location and contact information where available.
This supports successful recovery, litigation, and enforcement by helping ensure communication reaches the correct party and the debt recovery process can continue without obstruction.
PROCESS SERVING
We offer reliable, efficient process serving for legal documents including statutory demands, bankruptcy petitions, claim forms, court orders, and other formal notices.
Our third‑party agents are fully compliant and ensure documents are served correctly, promptly, and in accordance with legal requirements. We provide a detailed, court‑compliant proof of service where required, along with a full attendance report including any visually observed assets, supporting the smooth progression of legal proceedings where necessary.