moorcroft debt recovery

How To Deal With Moorcroft Debt Recovery

Moorcroft Debt Recovery

This article is not exclusively about Moorcroft Debt Recovery and the Moorcroft Group. Nor is it a legal loophole to get you out of debt. Nor is it, to persuade lenders to use Moorcroft debt recovery or any of its debt solutions competitors.

What we will explain is information that is not widely distributed. Everyone talks about the law. We will talk about our inside knowledge of how debt collection companies work.

We have no axe to grind as this article will cover us, you, lenders, debt collectors and the law. In that order.

There are 100’s and 1,000’s of debt recovery companies in the UK, USA, and Australia. They all basically follow the same path. A bit like follow the money.

Table Of Contents

moorcroft debt recovery

Firstly: Information About Us

What gives us the right to talk about debt collection. We have had many roles as employees and our own business in the debt collection and lending world for 4 decades. From doorstep lending to deals worth 100’s of millions. Asset repossession to writing off debt – permanently. We give you access to the inside workings of lending and collection institutions.

Our biggest piece of information is that what man can make, man can amend. By this we mean if anyone and we mean anyone says that something cannot be done or undone – they are simply lying. Debts can be written off. Credit bureau records can be undone. The LAW can be circumvented – as long as it is in the debtors (you) favour.

Your Moorcroft Debt

Let us get this right – Moorcroft debt recovery are contacting you because you entered into an agreement. It could have been for anything: a phone, personal loan, car finance, utilities, home mortgage, boat loan, room rental. Just about anything where you had the use of something with the promise of future payments.

The first thing for you to do is simply accept your indebtedness. Do not try and become a legal expert trying to find a loophole. Debt collection companies like Moorcroft group and credit collection services have heard it all before.

Do not try and say they have no right to collect the debt. You can be sure that Moorcroft and the lender have had legal opinion on their ability to do so. There is an addendum to this that many people ignore and which we have personal (painful) experience of. The actual debt (income stream) can be assigned but not the obligations of the lender. Keep this in mind for later.

Income And Expenditure

Put some work into creating your own personal income and expenditure spreadsheet. Many debt collection agencies want you to use their version and I am sure Moorcroft group are no different.

You can create the spreadsheet over many weeks or even a month of 2. This is going to help you. Add the things they might not usually consider. Gambling, alcohol, smoking, obesity. Be honest with yourself. It might lead to a better lifestyle.

Writing things down makes it easier to deal with. It makes it easier to discuss your financial situation with debt collectors or debt attorneys. Or self help groups. There are groups in your area that can help. However, it is a good idea to be prepared.

Never, Never, Never

2 things you should not do.

  1. Never threaten violence. Keep the moral high ground.
  2. Never offer a payment you cannot make, just to keep the person on the phone happy. They get paid for promises being made. However, it is better for them and you to make an offer you can keep.

Your Original lender

The reason that Moorcroft debt recovery are chasing you is because someone lent you something. The lender will have done everything, insomuch that it can, to ensure you could repay. Although there are caveats here

  1. They were not given your real facts. Either by you or the lenders staff or introducer. There lending decision was made on the facts that they were given. They will assume that it was you, as you have signed the agreement.  It is difficult, but not impossible to prove otherwise. Notwithstanding that – if you have had use of the item or service that the credit was granted the lender can use that as a defence. However, we do not want to get involved in legal terminology.
  2. There was a large deposit made on an asset which they can quickly resell. Possibly quicker than the loan/rental term. However, this type of repossession is becoming more difficult for the credit grantor.

Notwithstanding that your debt has been sold to Moorcroft or they are collecting on behalf of your lender. The lender still has to uphold his obligations. And in turn, Moorcroft debt recovery ltd has to uphold those obligations. Generally, data protection and treating customers fairly. Once again, just because the lender has deviated a little from their obligations it might not eradicate your debt. They cam always rely on the law to enforce.

You do not want to go to court. The lender can afford better debt attorneys and collection lawyers.

Here is something that all lenders know or should know. People defaulting has rarely bankrupted a lender. Fraud is the death knell of a lender. And more often that not this comes from within or from you dealer network. Seek your savings there and not investing in better debt collection methods.

Advice To Lenders

Invest in real underwriting. Spend time there and your debt collections teams can be reduced. Put debt collectors in charge of lending. Mix up you credit and risk teams.  If you have a credit control department – close it until you have a better name for it. Maybe Good Business Creation or something – anything. 

By the by lenders – ensure that you debt recovery solution provider uses voice analysis. In addition, make sure 1 of your people who knows how it works. You can then add in your own keywords and phrases. Saves a lot of time reporting.

The Law

Debt collection law or debt recovery recourse through the courts is the last thing you want to become embroiled in. Do not cut your nose off to spite your face. The likes of Moorcroft Group and Credit Collection Services have teams of debt lawyers on their payroll or on contingency.

Unless you want to become a martyr, we suggest other ways of resolving the issue.

Remember the law gives you the minimum protection – and we mean this in a good way. Debt collectors can give you a better deal than the law allows. ALWAYS. We know, we have done it many times.

Debt Collection Solutions

In this section, we have suggestions for all concerned. Each of the suggestions are beneficial to all parties. None of these debt collection solutions favour one party.

Pre Repossession

We have to assume a few things here. You can no longer afford the car/boat/house/phone or whatever. It might sound harsh – but you can survive without this item. We know this is a hard decision. However, maybe you can obtain a similar asset or item form a different supplier. Just think about that and do a bit of research.

Here is what you want. You want debt for the current item to “go away”.

The lender or debt recovery agency want to resolve this as cheaply and quickly as possible. No matter what they say, they really do not want to go to court to have their asset returned.

Inform them that you will return their asset (car, phone, boat or whatever) on the following conditions:

  1. There will be no payment of the arrears
  2. There will be no payment requited on the shortfall of the sale of the asset
  3. All details of the loan will be removed from credit bureau register. This can be done, and it is quite easy. If the lender says they cannot do it – tell them to speak to their data controller.

It is a simple letter; here is our suggestion

Dear (lender)

Your Details

I write regarding the above. I will allow you or your agents to take possession of (describe the asset) on the following grounds.

That is it. We used this many times for people who we considered to have been hoodwinked or experienced unexpected changes to their life.

Post Repossession

Lets us tell you how much your post repossession or sold debt can be worth. We were once involved in the sale of “post repossession of distressed debt” in the UK. Fancy talk for bad debt. The average balance was £2,600 and the total balances involved were in excess of £100,000,000. It took us 8 months to put the pack together and another 6 months to “sell” to the debt purchase company. Who were similar to all debt collection companies.

The debt was sold for £1,300,000. Which is 1.3%. Add some expenses and we are at 2%. This gives you an idea of what your personal debt is worth to the debt collector. Admittedly some debt is worth more and some a lot less.

Why would a lender sell the debt to Moorcroft Debt Recovery? Their option is to completely write off. Many lenders want to lend – they do not want huge collection departments.  Debt collection is specialised. Not everyone is suited to be a professional debt collector.

The directors of the company we worked for were over the moon to get rid of 40,000 customers and pocket £1.3 million.

Negotiating With Debt Collection Company

It costs a debt recovery agency truly little to keep calling you and sending you emails. They are all automated until you do something. What does cost them, is interaction with you.

The art of negotiation is fairly simple. Start low and move slowly. Move the same amount each time, no matter what they say. It will cost them time and money to consider your offer. In addition, if you ever go to court, you can state that the lender or Moorcroft debt collection or whatever debt collection agency is obtuse.

Make them an offer in writing. “I offer you xxx in full and final payment of (describe loan/account) on or before xxx date.

Be reasonable with date. Not too short and not too long.

If you are a bit on the cheeky side, ask them to remove records. However, that is up to them. They can if they want,

Moorcroft Debt Recovery

Their motto is managing debt responsibly. Now, we have to question this.

From a purely business point of view. A lender uses risk based pricing. Therefore, it expects bad debts. If it is not using risk based pricing, it should be. If a debt goes bad it should be written off. Assume that the debtors have overextended unintentionally, or circumstances have changed.

It is in the price. Accept it and stop penny pinching. And that goes for all the other debt recovery agents in the UK. Recovery agencies in Australia and debt attorneys in the USA.

Voice Recording

Why do some debt collection companies and debt lawyers refuse to use voice analysis? It is cheaper than a team of people listening through sample conversations. It is to your advantage that calls are recorded. Many of the voice analysis recording software solutions allow audio or printed copies to be sent to you.

If Moorcroft debt are recording your conversation insist on a copy being sent to you. And that goes for any other debt collection company.

Here is what we think. They want to avoid compliance issues. Proper voice recording and analysis is difficult to manipulate.

Related Searches To Moorcroft Debt Recovery

The most often asked questions about MDRL are:

  1. Is Moorcroft debt recovery is it real?
  2. Will Moorcroft debt recovery take me to court?
  3. Can Moorcroft but my debt?

The simple answer to all of these is yes. Stop avoiding and start communication. Here is the thing. Contact them to see who they recommended that can give you free and impartial advice – they are obligated to tell you.

Alternative To Moorcroft Debt Recovery

If you see any of the following: seek advice. Many of these companies are out to make a profit. Seek out a debt charity of citizens advice in your local area.

  1. Debt management plan
  2. Consolidation loan
  3. Debt arrangement scheme
  4. Individual voluntary arrangement

Companies offering these will have a fee. That is not to say they are not an option. Consider carefully.

Is Moorcroft Debt Recovery Real

Indeed it is. If others tell you to ignore them out of hand, think on your own behalf. Alternatively, there is government advice on what to do if your are overwhelmed by personal debt.

Nearly all the advice on the web about Moorcroft Debt Collection is from companies offering and IVA (individual volutary arrangement). These are arranged by a “qualified” person. An IVA will often last 5-6 years.

You might consider negotiating with creditors on your own behalf. Doing it on your own can be rewarding. If you are not up to it – or you have many debts. Ask a non profit what you can do.

personal injury lawyer

Insider Tips How To Find Awesome Personal Injury Lawyer

Personal Injury Lawyer

You are looking for a personal injury lawyer or a personal injury attorney. Where do you start? We will give you a lay man’s introduction into the world of personal injury claims. Although out article is written by legally qualified people, you need to find a lawyer or an attorney to help you with your claim.

Table Of Contents


At the end of the article we will show you the easiest way to locate a qualified personal injury lawyer.


Make no doubt about it. Once you have made your choice you are generally committed to them for a long term. Changing lawyers mid claim is always a bad thing. Make the right choice, from the get go.


Several forms of claims can be made in personal injury cases. However, for a claim to be considered there must be a breach of a duty of care by another person. Such a breach must result in damage or injury. Generally, a personal injury arises either due to negligence, absolute liability, or intentional torts. [1]


This article helps you understand personal injury claims in the USA, UK, and Australia.


What Can You Claim For?

Personal injury claims are meant to alleviate psychological or physical injuries suffered. The claims can be broadly categorized into 2; material and non-material damages. The claims are similar in the USA, UK, and Australia. [2]


First, you can claim for monetary damages. Monetary damages include current and future loss of earnings as a result of an injury. The damages take into account pension loss due to stopped contribution. It also covers medical costs, travelling costs in seeking medication, funeral costs, and household services such as caregiver costs. Other costs covered include property damages, holiday enjoyment loss, and housing modification costs. [3], [4]

Secondly, you can claim for non-monetary damages. Non-monetary damages cover aspects of psychological injury. They include reputational loss, humiliation, pain, amenable loss (loss incurred by only being able to work in an alternative lighter job), and emotional anguish. The compensation for such damages is based on the jury’s evaluation and judgement. [3], [5]


Your personal injury lawyer or attorney helps you through this stressful process. They will make it easier for you to obtain the proper compensation.

What You Might Be Able To Claim For?

Some of the claims are not a guarantee. They vary on a case-to-case basis. You may claim legal costs and attorney’s fees to be covered by the defendant. However, the legal framework has placed limits on such payments. [6]


To avoid unnecessary costs, you may take advantage of the contingency fee plan; that is, payment of attorney fee for a win scenario only.

What Injury You Definitely Cannot Claim For

Some claims are not feasible within the legal framework, since they cannot be justified. You cannot claim for loss of earnings for an elderly pensioner or a housewife. Similarly, it is challenging to claim for an unemployed person. However, such people can still pursue other damages. [7]


It is absurd to make a claim for compensation in an unfortunate occurrence, whereby nobody is squarely liable for your injury. For instance, in an act of natural occurrence, you cannot blame anyone. This involves personal injury from natural phenomena such as earthquakes and storms. [8]


Additionally, you cannot claim the restoration of health. This is not feasible, and cannot be guaranteed by any law. Legally, you are entitled to the best treatment but a restoration to the original health status cannot be assured.


Size Of Claims For Named Injuries

The size of a claim for personal injury is based on the general principle of subrogation. This is an underlying rule, whereby an injured person is meant to be restored to their initial financial status before the damage.


The market share of the personal injury industry in the USA, UK, and Australia stood at $ 34.5 billion, $ 4 billion, and $ 2 billion respectively in 2019. The claim payments follow the same order in terms of amounts. [9], [10], [11]


The 2016 average UK settlement for Motor accidents was £ 2,673 and £ 3,946 for public liability. The mean for employers’ liability and medical malpractice was £ 3,994, and £ 3,760 respectively. Statistics show that 58% of all UK claims are below £ 5,000. [12] [13]

Medical Malpractice

In USA medical malpractice claims reached $ 4 billion in 2018. The average payout for medical malpractice is $ 300,000. The general average for all personal injuries is $ 52,900. Australia’s average payout is $ 20,000. [14], [15]

What Will A Personal Injury Lawyer Cost You


Traditionally, in the UK, a defendant found liable would compensate the plaintiff and then pay the legal costs and attorney fees. However, the 2013 legislation made a raft of sweeping changes. The legislation stipulates that attorney fees are drawn from the plaintiff’s compensation. It is capped at a maximum of 25%. Similarly, in Australia, the legal and attorney fees are recovered from the compensation to a maximum of 25%. [16]


In the USA, different states have different legislation on the legal and attorney fees charged. Generally, the charges follow the same rule of Australia and the UK; they are deducted from the plaintiff award. The charges range from 30% to 40% of the compensation. It is capped at 33.33% in Florida. In most instances, it is a contingency fee, implying that no charges for cases lost in court. [17]

How long Does It Take To Make A Personal Injury Claim?


In the USA, the duration of making a claim varies from one state to another. Generally, the claim period ranges from as short as 1 year in some states to the longest period of 10 years in Oregon State. There are 3 states with 1 year claim period namely Tennessee, Louisiana, and Kentucky. Many states give a limit of 2 or 3 years. [18]


In the UK, the average time for making a personal injury claim is 3 years. However, there are small discrepancies concerning specific injury case types. Trips or falls, workplace, and road accident claims involving motor vehicles, bicycles, and motorcycles should be made within 3 years. A criminal injury should be reported within 2 years of injury incident. Industrial disease and medical negligence have a maximum time limit of 3 years after knowledge or diagnosis of the problem. [19], [20]


In Australia, workplace injury claims should be made within 6 months. However, the period may be prolonged to 3 years due to unforeseen circumstances such as medical diagnosis. Motor vehicle and public liability claims should be made within 3 years of an occurrence of an accident. [21]


What Are The Success Rates?


The USA has an average litigation success rate of 54% for personal injury cases. The success rate of all cases including without trial is much higher at about 70%. This is because most cases especially those involving small amounts are settled amicably outside the justice system. [22], [23]


The success rate is highest in auto accidents at 61% and lowest in medical malpractice at 19%. The average is close to the auto accident rate since motor vehicle accidents account for a large proportion of all personal injury claims in the USA. [24]


The UK has an average litigation success rate of 63% in personal injury cases. Most of the cases are agreed upon before reaching the litigation level. Auto accidents have the higher rate of 80%. [25]


Australia has a lower success rate of 36% in personal injury cases. The low rate is largely due to the strict criteria and legal reforms aimed at protecting defendants against unreasonable demands. [26]


The success rates in the 3 countries align with the above market share statistics of the person injury industry. The USA with the largest market share has large payouts followed by the UK and, lastly Australia.

Conclusion

You can make monetary and non-monetary claims in instances of personal injury. However, you cannot make a claim for a natural calamity, whereby no one is responsible. Similarly, an elderly pensioner, or a housewife cannot sue for loss of earnings. In the USA, UK, and Australia, the average time to claim for a personal injury is 3 years. In terms of litigation success rate, the UK has the highest at 63% followed by the USA at 54%. Australia has the lowest rate of 36%.

Finding A Personal Injury Lawyer
google maps for personal injury lawyer

Time needed: 15 minutes.

How to find a personal injury lawyer

  1. Google Maps

    Open maps.google.com

  2. Location

    In top left hand search box, type the location of where yo want to find a personal injury lawyer. City or state.

  3. What Type Of Lawyer

    Once again; in the top left hand search box type personal injury lawyer or personal injury attorney – etc

  4. Review

    You will be presented with a map with red markers. These indicate lawyers and attorneys who offer personal injury claim services

What Is The Average Payout For Personal Injury

The average payout is not what you might think for a personal injury claim. It is not like what you see in blockbuster films. They are made for entertainment – even though they be true.

An average payout is likely to be in the region of 3,000 to 75,000. Admittedly this is a huge variance as it will depend on the claim. From that the personal injury lawyer may deduct a fee as high as 40%

References Used In Personal Injury Lawyer Research

  1. https://www.injurylawcolorado.com/legal-library/tort-law-types.html
  2. https://www.thebalancecareers.com/what-is-a-personal-injury-lawyer-2164350
  3.   https://claimsadvice.com.au/personal-injury/
  4.  https://www.truthlegal.com/what-can-i-claim-for-in-my-personal-injury-claim/
  5. https://www.justia.com/injury/negligence-theory/non-economic-damages/#:~:text=Economic%20damages%20are%20compensation%20you,suffer%20because%20of%20an%20accident.&text=Non%2Deconomic%20damages%20may%20include,or%20worsening%20of%20prior%20injuries.
  6.  http://www.legalaid.qld.gov.au/Find-legal-information/Personal-rights-and-safety/Injury-loss-and-compensation/Personal-injury
  7. https://www.davidtoddlaw.com/blog/19-things-you-should-know-to-win-your-personal-injury-case.cfm
  8. https://www.lexology.com/library/detail.aspx?g=387a346d-a535-4092-aafb-537ea1212c1a
  9.  https://www.ibisworld.com/industry-statistics/market-size/personal-injury-lawyers-attorneys-united-states/
  10.  https://www.businesswire.com/news/home/20191018005391/en/United-Kingdom-Personal-Injury-Market-Trends-Report
  11.  https://www.ibisworld.com/au/industry/personal-workplace-injury-lawyers/5519/
  12.  https://www.thompsons.law/media/2344/weightmans-llp-an-analysis-of-the-uk-personal-injury-market.pdf
  13.  https://www.ptcommunity.com/wire/personal-injury-uk-2019-consumer-research-report-claims-against-nhs-have-stabilised-last-three
  14.   https://www.goddardlawwv.com/2019/12/29/average-medical-malpractice-payouts-in-each-us-state/
  15.  http://www.appliedeconomics.com.au/pubs/papers/pa04_injury.htm
  16.  https://www.quittance.co.uk/personal-injury/advice/no-win-no-fee/why-do-most-injury-solicitors-charge-25-success-fees
  17.  https://www.justinziegler.net/attorney-fees/
  18.  https://www.alllaw.com/articles/nolo/personal-injury/deadlines-file-lawsuit.html
  19.  https://www.citizensadvice.org.uk/law-and-courts/personal-injuries/
  20.  https://www.spencerssolicitors.com/accident-guides/how-long-do-i-have-to-make-a-claim-for-personal-injury-compensation.html#:~:text=Adult%20Personal%20Injury%20Claims,which%20to%20bring%20a%20claim.
  21.  https://www.owenhodge.com.au/personal-injury/time-limits-to-make-personal-injury-claims/
  22.  https://www.bjs.gov/index.cfm?ty=tp&tid=451
  23.  https://www.lawyers.com/legal-info/personal-injury/personal-injury-basics/personal-injury-how-much-can-i-expect-to-get.html
  24.  https://www.personalinjurysandiego.org/personal-injury/statistics-of-personal-injury-cases-nationwide/
  25.  https://shura.shu.ac.uk/691/1/fulltext.pdf
  26.  https://law.unimelb.edu.au/__data/assets/pdf_file/0007/1586977/38_1_4.pdf
debt-collection-agency-list-1536x1536

Debt Collection Agency List

Debt Collection Agency List

If you actually require a debt collection agency list, there is a good chance you will not find it easily. Unless you wish to spend some serious cash. However, we have ways to help you locate the list you require. Or at the very least suggestions on how to obtain a debt collection agency list cheaply.

debt collector agency list

For a very quick and simple solution you can try a gig on Fiverr or any of the other outsourcing companies. They charge $5 + 20% commission for a small sample. However, they have found some great lists for us.

Continue reading, we do have links to cheap or FREE data bases that are regularly updated.

Table Of Contents

Time needed: 1 hour and 30 minutes.

How To Create A Debt Collection Agency List

  1. Why do you need a list?

    Do you need the list to solve a debt collection problem? Are you marketing a solution to debt collection platforms? Are you a debt collection agency seeking to find competitors or partners?

  2. What location are you interested in?

    Are you in the UK, USA or Australia? Do you need a list for an entire contry or a specific location? Are you looking for debt recovery agents near you or near your debtor?

  3. Size of list

    If you are looking to recover a personal debt you might only need 3-6 potential businesses. The same goes if it is business to business commerical debt. Keep you list manageable.
    If, However you are trying to sell to debt collectors, you might require all the details of an entire country – which we show you on this page – for free or cheap.

  4. Google might not be the answer

    The first thought is to use Google. However, that is going to achieve nearly 200 million results. Which is neither good to man nor dog.

  5. Debt collection associations

    There are many. And we have found them useless. They are for the use of members. Avoid.

  6. Final step

    If you are unable to source a list. Drop us an email and we might be able to find one for you – time permitting – as it is free

List Of Collection Agencies

Almost without exception most google results will either show a business touting their wares or an extremely limited list of collection agencies.

Our Google research to obtain a general list was limited. But read on and you might find your solution.  We have invested time and resources so that you do not need to.

Debt Collecting Associations

You might think that asking a national association for their members would be easy. Not so. They treat their lists as money earners, and you can expect to pay handsomely to have access to the list.

Google Operators

Our favourite way to find proper companies is to carefully use google operators. This allows you access to the full and microscopic date mining available through the biggest library of data ever held.

USA Debt Collecting Companies

You can use the North American Classification System. Many companies offer the entire data set. Gumroad offer a list of all business for $299. However, you will need a great data mining person to interrogate the database to obtain a useful list of debt collection agencies.

You will be able to create a comprehensive report or maybe just debt collections agencies near you or any other location. Or you might be looking for lenders who you can pitch your debt collection business to.

data mining for debt collection agencies

NAICSCode 561440 and 561491 – Collection Agencies and repossession agencies.
Or 522292 for real estate lending. This covers construction lending a farm mortgage.

This list only contains debt collection companies that are incorporated. It may also include companies who do not actively collect debt. The information on the lists are incredibly detailed. However, some of the data might be historical.

UK Debt Collection Companies

SIC or Standard Industrial Classification codes could be your way to creating a debt collection list. Company Database offer some free advice on many UK debt collectors. Their list has slightly over 200 entries.

Alternatively there is a FREE data base from Companies House and as long as you know the SIC code you can interrogate their data base and make you won debt collection agency list of you own. Companies can have up to 4 SIC classifications.

The following list are some of the SIC that might be of use to you:

  • 64992: debt purchase
  • 82911: debt collector
  • 64992: discount company (debt factoring)
  • 88990: debt counselling services
  • 66190: credit or finance broking
  • 64921: finance house activities

Similar to the USA you will not reveal any unincorporated debt agencies in these lists.

Business Debt Collection Agency

There is no classification for companies that purport to be a business debt collection agency. You can safely assume that most debt collectors will take on clients for business debt.

Copy and paste either of these into the Google search engine. Instead of having millions of responses it is reduced down to a few thousand.

allinurl: business debt collection agency
allintitle: business debt collection agency

These searches via google operators narrow down you search. However, scraping this information is not entirely legal. We have no information on how to extract a meaningful list of debt collecting agencies from a Google search.

Collection Agency Fees

You will need to employ an army of researchers to obtain a list of debt collection agency fees. Even a data scientist would be at a push to create a list. The other option is to outsource and call the companies up to create you own personal list of collection agency fees. We would love to know why you would want this.

If you visited our site to employ a debt collector. Use the advice above – narrow it down to 6 debt collection companies and call them yourself. Each debt is unique, and you can negotiate collection fees and commissions.  

Debt Collection Agency List

If you research thoroughly you will fin that you can create a personal debt collector agency list cheaply. There is a ton of data put there available. however, you need to know what you are looking for.

Here Are Some Common Questions

Are agency lists freely available?

NO – generally speaking you will have to pay

Are all agencies registered somewhere

NO – you would think that they would be but they are sometimes difficult to find. Sole traders, partnerships etc.

Is there a standard fee structure?

No – It will depend on the credit worthiness of the debtor, what is the value of the debt, how old is the debt.

Is there a review system we can depend on?

No – both creditors and debtors are not really keen to divulge that they are involved in debt recovery. You will have to depend on your research and sometimes your gut instinct.

Comments and Ideas

If you have any stories or suggestions about debt collection agency lists or a business debt collection agency (those are scarce) we would love to share. How can we acquire them etc. – it would be appreciated by all.
We will try and answer as many questions as we can.

debt collection agency near me

Debt Collection Agency Near Me

Debt Collection Agency Near Me

You would think that searching Google for: debt collection agency near me would do exactly that. Well, it is not so easy. You will not find debt collection agencies near me using that search method. You will find a few debt agencies near you. But mostly you will find, debt collection agencies with clever marketing guys – which can be a good thing.

We will show you how to narrow your search from 300,000,000 results scattered all over the world to an easily manageable 20, near you.

Another issue for you to think about; do you want a debt collection company near you or near your debtor? Debt collectors like to be near your debtor. It is far easier to go and knock on the debtor’s door if they are close at hand.

We have some real facts, which you can check on Google. Our page will show you how to better use Google; so that you can find a debt collection agency near me (you). Although google is getting better at giving you exactly what you want. The web design guys at debt collection agencies are terrific at reeling you in. Persuading you that they are near you. When in fact they are not.

Click here for the the video. WE will show you in 54 seconds how to go from 300,000,000 vague results to 20 concentrated options

Jim Campbell

How To Find A Debt Collection Agency Near Me – in 1 Minute

  1. Open Google Maps

    Copy and paste google.com/maps. It should open in your location. If not, type the town or city in the top left search box

  2. What Service Do You Require?

    In the same box as the location. Now overtype with debt collection or debt agency or debt lawyer. Anything your heart desires.

  3. Choose A Business

    Click on any of the red markers to be presneted with a full description and website of the debt collector near you

Google Search Facts

If you search for debt collection agency near me, you will receive 298,000,000 results. You might also see a local map with a debt collection company near you.

You can narrow the results down to 11,200 by using “parentheses” as such “debt collection agency near me”. However, you will still see adverts from out of town debt collectors.

If you use Google’s other operators such as allinurl: debt collection agency near me or allintitle: debt collection agency near me. Your results will be less than helpful. They give out of date web pages and debt companies that are not anywhere near you.

(PS, I was searching from the South of England, your results may vary)

Best Way To Find Debt Collection Agency Near Me

This is unquestionably the best way to locate a debt collection agency for individuals or debt collection agency for small business near me. It seems like an insider secret, but it is in plain view. Follow 3 simple steps

  1. Open google maps. Easiest way to find it is in Google!
  2. In top let hand search box type in your location if not already showing
  3. Then type in debt collector or debt collection agency.

This type of search has numerous colossal advantages:

  • It is extremely specific to companies who have a business in your area. Unlike a standard google search which gives all in sundry. In our local Google map area, it has reduced 300,000,000 results down to 20!
  • You can quickly see where the business is. This might allow you to pop round and see them.
  • Your search will include Google reviews.
  • You will see their opening time and contact details without an additional click. Meaning less of your valuable time search for a suitable debt collection agencies near you.
  • If you click on the very bottom left of the google maps page it allows you to update search details if you move the map. Once again saving your valuable time.

Expand Your Search For Debt Agency

We mentioned earlier that you might want to consider an debt collector near your debtor. This is particularly helpful if the debtor has moved.

Your local debt collection agency will use searches like this to subcontract debt collection work. Many companies do not have the manpower to be sending people all over the country. Nor do they have debt collectors internationally or in other states.

It is a similar 3 step process:

  1. Open google maps
  2. In top left hand search box enter the location of you debtor: London, New York, Brisbane, Outer Mongolia etc.
  3. In the same search box, you then type debt collector, lawyer, or private detective, etc.

If the location is remote, simple increase the size of the area using the +/- icon on the bottom right

This will save you an enormous amount of time that could be better spent.

Debt Collection Agency For Small Business Near Me

You might not want to bother using this a search term. Trying debt collection agency for small business near me returns over 300,000,000 results. The same goes for the search term debt collection services for individuals.  It would be far easier for you to try either of the 2 solutions above.

Generally, both these terms are used and paid for by marketers in advertising

Debt Collection Agent List

We do not really get this idea. But we are always open to new ways of finding you the best debt collector for your needs. But who really needs a debt collection service company list? We can only assume it is for companies who want to sell software and services to the debt industry.

The Obvious Extra

You can use the information on how you search for a debt collection service to nay local service you require. Restaurants, bars, plumbers, car service. Just about anything you wish for.

FAQ About Debt Collection

Do They Need A Licence?

If the debt is regulated, they will. Many of the debt collectors for business debt will have a licence. It gives no recomendation. It is an easily gotten bit of paper.

Near Me Or Near Debtor

Near The Debtor. Use our how to at the top of the page. Insert debtors town rather than your own. Especially when recovering debt internationally.

What Will They Charge

How long is a piece of string. Even published charges are open to negotiation. Ensure yo have it written in a contract.

Comments and Ideas

If you have suggestions of how you could easier find a debt collection company near me, we would love to share it. Especially for debt you collected in remote areas. We all love a good story.

Credit Collection Services

Credit Collection Services

Credit Collection Services

credit collection services

What we have to do here is separate the 2 faces of credit collection services. One is a US debt collection company but the others are debt collection agencies in general. Let us delve into both and see what we can do for you.

Debt Collection By Any Other Name

Make no bones about it, any company using the credit collection handle is in debt collection. They are companies chasing debtors for creditors.

On the other hand, you might be searching for a company because you have lent to someone so you need help to retrieve your money or asset. If you are looking for an unusual but tested way to get your money back. We are the collection company for you.

5* Credit Collection Services

You will notice one very strange thing. Almost without exception all the companies offering credit collection services had 5-star reviews. It is hard to imagine that debt collection has such a great reputation about it. Could the companies be using reputation management software, simply making the reviews up or ignoring bad reviews.

How To Handle Credit Collection Services

If you are being contacted by a debt collection company, ensure you visit their website. This gives you and idea about how to handle them. Know thy enemy! Please remember they are just doing a job.

Before you accept any liability of any sort or even identify yourself, ask for documentary evidence of the debt posted to you. Many debt collection services companies buy “your” debt for pennies. They hope that alleged debtors will just pay. They have no soul and are not interested in your circumstances. It does not matter what the law states or how they present themselves. Debt collectors make commission becuase they collect from you.

Emails and automated calls cost them very little. They will send them willy nilly. Simply block them. Do not respond, as it is tantamount to accepting that you are the debtor.

If they send a letter. Return it. Do not ignore it. Keep the snail mail going.

Many companies (UK and USA) will state they will take you to court. Inform them if they do, that you will want it to be heard in a court of your choice. Normally your hometown, as this will add unnecessary expense to them.

Phone Calls From Credit Collection Services

Credit Collection Services

You should refuse to use phone calls as a means on communicating. Although there is some awesome phone call analysis software available, but not every debt collection company uses it. You would be surprised at the reason. Collecting on regulated loans is full of rules for debt collectors. They would have to self-report if they were breaking the law.

Surely this software can record all calls and analyse what is being said? Yes, it can and that is why they do not like it. Not using analytical software allows the collection industry to “not record” what some debt collectors say to debtors.

Stay Calm

You should be calm at all times, never lose the plot or become an aggravating nuisance. It does not work. We know from personal experience of debt collection, if you annoy a debt collector, they will take pleasure in returning the same. The difference is that debt collection companies normally have unlimited funds and time to do so.

Who Can You Complain To?

When we worked in finance, the biggest reaction was when a director or shareholder received a letter. If your fist letter does not work, try and find out he name and addresses of directors or shareholders.

Online Reporting Of Credit Agreements

The first thing for you to do is get a copy of your credit file. Write to the finance companies and ask the credit collection services company to remove your details. It is far more difficult to have the credit bureaux remove it.

It is far easier to remove your details than you think. A company reporting finance agreement have to report monthly. All they do is code your file – remove. You want the agreement completely removed.

You might even find that the company is not reporting your details or reporting them incorrectly.

There is no such thing as a blacklist. If anyone say it to so, report them to a senior member of the company.

Last Option To Clean The Sheet

If the debt is yours and can be proved. You can negotiate to settle and have the debt removed from online reporting. As we have said what the finance company can do it can also undo. The credit collection services company can inform the credit bureaux to remove your debt. Then you are back to a clean sheet.

However, if the debt has a court order, this can only be marked as paid. Because it is difficult to have it removed, although it will disappear in time if paid.

Credit Collection Services Comments

If you have any experience of credit collection services companies, we want to know and share your comments.

Debt Recovery Solutions

Debt Recovery Solutions

Debt Recovery Solutions.

There are many debt recovery solutions and it only takes a few minutes to decide which is best for you. Just gather all the information together and sit in a quiet room. Someone has to make a decision about collecting it – and it appears to be you. Once you have made your decision, it is them time to execute the process. Carpe diem.

Cost Versus Reward

This is often the stage that nonprofessional debt collectors simply omit. They look at the value of the debt and nothing else. There is a whole lot of “else” to be looking at in debt recovery solutions:

debt recovery solutions
  1. Does the debtor have the ability to repay? Investigate their financial status.
  2. Is the debtor a can pay and will not pay? This is a professional nonpayer. They are difficult to get a result out of. Unless you know what you are doing.
  3. Is it worth investing your time trying to get this money back or focusing on making money?
  4. How long will a debt collector take you to get your money back?
  5. Do you simply want to spite the person or company?
  6. Has the debtor moved out of your jurisdiction?
  7. Could it be dangerous?
  8. Can you take your emotion of pursuing this debt? Anger rarely is successful.
  9. Could you prove the debt in court?
  10. Is the debt actually important to you?

If you omit the above considerations, you could end up choosing the wrong debt recovery solutions.

Let us delve into your options. From creating a list to finding the perfect debt recovery agent for you. Your debt solution might be very close to you or your debtor.

Not Worth Pursuing Debt Recovery

This does not mean that the debt has no value. It simply means that it not worth your time and expense to chase after a lost cause.

There are many companies out there who will purchase debt from you. Check the purchaser’s agreement documentation – receive what they believe it is worth. Move on.

Many of the debt purchase companies have been undertaking debt purchase for years and have tons of data. They will give you a realistic value of your debt. This may not be what you believe the debt to be worth – as you see it at face value. Generally, it is in single figure percentages. Work on 3% sale price to evaluate if you want to invest your time in researching this option. Assume 2 – 5 working days to complete research and offer. Time from start to completion 2 weeks – 3 months for a single debt.

For some strange reason some debt collection services go under the nomenclature of credit collection services.

Spiteful Debt Recovery Solutions

Debt Recovery Solutions

This should be done with considerable thought. It could involve costs that are literally money after bad.

  1. Write to people in your trade, neighbourhood, their customers etc.
  2. Revenge website
  3. Constant contact – not harassment.

Resolute collections does not offer this as one of their debt recovery solutions. However, by the nature of the services we offer, it incorporates these choices.

Outsourcing Debt Recovery

This is a global business with many players in the industry. Many will charge no fee no win. However, the amount retained in commission is likely to be 40%. On the face of it this is one of the most popular debt recovery solutions. Sadly (as we know from 40 years’ experience) the reporting is at best – dubious. We have an entire article and FAQs on this subject.

Where there is no upfront fee, the companies cherry pick. Launching a debt collection strategy against a debtor has costs. So, they pick the easiest cases to collect.

Demand Letter Strategy

Unless you careful or lucky, most credit control departments will merely set upon a course of letters. Letters take time and the process is costly. Many credit managers think this is a recovery solution – it is not. Sending a letter merely gives someone legitimacy when they actually talk to the debtor.

Going to repeat ourselves, credit control are generally not the best debt recovery solutions. A strongly worded letter followed by another then another, does not impress a debtor. You can buy simple software to automate this.  

If you have a Credit control department it can be expensive. Look for another recovery solution and have credit controllers do their job.

Resolute Collections Solution.

If you are looking for “unusual debt recovery solutions”, it could be Resolute Collections.

  1. Intense
  2. Different
  3. Determined
  4. Resolute

We have been collecting debt for over 40 years, working in large global organizations and on our own. We are the thinking man’s debt collector. Resolute Collectors are not credit control nor risk advisors – we are debt collectors.  All we collect payments.

There is no “no upfront fee” option. Like you, we value our time. 

UK’s Biggest Players

Moorcroft debt collection is definatley one of the biggest in the United Kingdon. However, constant monitoring is required with the big players.

Cabot Group is another magalith of UK collections if you need major debt collection in the UK or international debt collections.

Expect fees and commissions on th high side.

Do you have any comments or recomendations for debt recovery solutions

Please tell your story in the area below. Your views are much appreciated.

Debt Collection Letter

Debt Collection Letter

Debt Collection Letter.

Making your debt collection letter appropriate for purpose – 1st time, is essential. It is from this letter that all future relationships with the debtor will be built on. Most people will have never sent a demand letter to a debtor and will probably get it wrong.

However, with a little advice and direction you will create a professional and meaningful image of yourself.

We do not offer or sell debt collection letter templates.

debt collection letter

3 Basic principles of a debt collection letter

  1. Never, ever promise or threaten to do something that is either illegal, impossible, or impracticable.
  2. Always follow up on what you have said you will do in your debt collection letter.
  3. Stay calm and focused. Remain on the moral high ground at all times.

Facts On Your Demand Letter

It is absolutely imperative that you get the facts right:

  1. Who the debtor is? Could be Jnr or Snr. Mrs., or Miss.
  2. What the debt is? Include any charges that are mentioned in the contract if you have one.
  3. Who you are? If you have moved address, ensure you use both addresses. Or you could be acting on someone’s behalf.
  4. If there is a contract, state what section has been broken. Do not simply refer to the terms of the agreement. Write the terms into the body of the debt collection letter. Eg:
    1. I refer to section 2 of our agreement which states that you will pay me in full on the [date] which you did not do.
    2. On the [date] we agreed that you would [do a certain task] on the [date] which you have not done.

Make it Easy For The Debtor To Pay

Many years ago, the way to receive a payment was either in cash or a cheque. There are now a bucketful of ways that a debtor can pay you. It is imperative that you make it easy to accept payment. Wire transfer, PayPal, cryptocurrency, cash, Western Union, cheque, to name a few. In your debt collection letter make it abundantly clear that you will accept most types of payment.

By cash, we do not mean them handing you cash. They can deposit the cash into your bank account.

Cost and Risk Calculation

Writing a demand letter or a reminder letter has many costs involved. And a calculation of risk. So, how much will it cost to collect the debt versus the chance of a timely result. The cost to you includes your time, repayment time, outgoing expenses, and stress. Once you have written down these items and weighed them up, then you can decide to:

  1. Continue. Use a diary
  2. Outsource. Search the internet for a debt collection agency
  3. Write off to a bad experience. You might be able to obtain a tax deduction for this.
  4. Consider Resolute Collections.

Never throw good money after bad, unless you want to teach the debtor a lesson. Chasing after bad money will undoubtedly teach you a lesson. Can your debtor ever pay?

Stages in A Debt Collection Letter

You should have the ability to increase the pressure at each incremental stage. Do not go in with all guns blazing. If you do, you have nothing to fall back on.

Reminder, 2nd Reminder or Final Demand Letter

It makes for a great road map to send 3 letters unless you are already at the stage of a final demand letter. Each reminder in the process informs the debtor that you are good to your word. In the initial reminder you can give them a specified time to resolve the issue. If they fail to satisfy the debt in the time span given you immediately send the 2nd reminder. If that fails, you reveal your final demand and what actions might be appropriate. This gives you time to consider what “next stage” action could be.

This advice stands good for commercial debt collection and international debt collections .

Language Appropriate

Try to keep the letter language simple, so that the debtor will understand its content and purpose. Ensure that the content of the debt collection letter is in their native language and yours. This may mean you have to have your debt letter translated. Do not machine translate, have a real person translate the letter. Fiverr.com and many other can do this for you.

Debt Collection letter Promises

Never stop any action on a promise. If your debt collection letter has prompted action, NEVER stop your planned stages. You stop action when you are paid.

Additionally, never negotiate on the broken promise – you immediately go back to the demand you made in the final debt collection letter. A broken promise means a new negotiation.

Our experience has taught us that you all too often end up discussing the broken promise. The initial demand is often forgotten. The broken promise is dead in the water. Leave it there.

Concise

If at all possible, ensure that you can convey your demand on the debt collection letter to 1 page. It makes it easier to read, nor can the debtor say that they have lost a page. If your demand letter has be 2 or more pages through necessity, ensure they are numbered, bind them together with staples and tape. 

Where To Send Your Debt Collection Letter?

This sounds obvious – send it to the home address. However, you might wish to send it to an adds that you know the debtor uses frequently. Ensure that it is marked private and confidential, to be opened by address only. [debtor name] c/o [golf club] etc.

[the_ad id=”2501″]

How To Send Your Demand Letter

Always send by recorded delivery and email – both if possible. This gives you legitimacy. They cannot say that they never got your demand letter. You may want to consider hand delivering the letter and have this filmed on a phone.

Reread and Reread Your Debt Collection Letter

It is essential that you or someone else rereads any letter before it is sent so that it is perfect. Grammar or spelling errors are jumped upon by debtors. Online companies like fiverr.com have copy writers who will review and edit your debt collection letter. Becuase, it is better to pay a small fee than be ignored.

What if Your Debt Collection Letter Strategy Does Not Work?

Re-evaluate if it is worth pursuing. Focusing on other aspects of life and business could be more worthwhile and profitable. Throwing good money after bad will does not work, even with the best debt collection letter in the world


If you have no luck with your final demand letter, what should you do?

You can use one of our solutions. Resolute collections has 3 options you can choose from. You might as well start today with delay.

Do you have any suggestions that make for a great debt collection letter

Please share your ideas. Your experiences will help us all!

debt recovery solutions

Top Targets For Scammers

Top Targets For Scammers

The 45 – 54 year old age group is the ideal demographic for Top targets for scammers. This information is not a secret, as it is publicly available from Experian. This should act as a wake up call if you are in the group. Just when you think it is safe – they find new ways to scam and fraud you.

Why is this age group so attractive to the scammers, fraudsters, and con men?

Why Connectivity Is Important

debt collection online


A 45 – 54 year old may have children and parents. This gives the scammers triple access to your information. You, your parents, and your children might be adding details to social media to build up a picture of you. Even something as wishing someone a happy birthday on facebook can give a scammer the date of your birthday and even year. HAPPY 50th – not difficult to work out a date of birth from that greeting.

Seniority in Work


At the 45 to 54 age age group you are likely to be working in a senior role and have a decent salary. Con men would rather have high earners than low. Seems rather obvious.

Pension Eyes


You can see retirement coming on the horizon and you are actively looking for a great deal for your pension. This makes you attractive as one of the top targets for scammers Fraudsters and no ethics or morals in scamming your pension pot. The old maxim of if it appears to be too good – it is. Anything that would double your money within 10 years has to be checked by a trusted professional. A detailed internet search of the business owners should show something. If it comes up blank – walk away. Very few people have ZERO information on the internet.

Downsizing Gives You Extra Cash


Scammers and fraudsters are aware that a 45 – 54 year old might be moving into an easier and smaller home. The obvious result being that you will have substantial amounts of ready cash to invest. They want your cash and will say anything to get it. Remember that a few days of work can net a fraudster 20,000 or 30,000. This makes you the ideal Top targets for scammers.

Scammers love Mortgage Free

Top Targets For Scammers
150


The scum of con men will know that you are probably mortgage free. Cash that they will con you out of. They will find your soft spot be it a hobby, vocation, or a vice, and manipulate you.

Naiveite Makes for Top Targets For Scammers


This does not mean gullible. It is nothing to be ashamed of. Your typical fraudster and scammer are way more knowledgeable about what to do than you are. They have been scamming people for years – they are good and experienced!

Global and Interstate Debt Collection


Scam merchants will use the law as much as they can, so that they need not pay you. They move freely, knowing that you probably cannot. Luckily, we can remove that expensive barrier. We work free of barriers.

If you need interaste or interational help we have pages that can help you. If you are looking for debt solutions in Australia or debt collection in the UK. Have a look at our resources.

What If You Have Been One Of The Top Targets for Scammers

You can engage resolute collection to get your money back. Our experience is second to none in dealing with scammers and conmen. At the very least you will expose a con man to the world – 24/7.

Have you been scammed?

Share your experiences with us. Your story might prevent someone else being fleeced. We are particulary interested if you can give an opinion on USA debt attorneys or business debt collection specialists.