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Debt Collection

In the highly sensitive market of debt collection earning the trust of our clients and customers is paramount to our success.

Our debt collection team specialise in the following practice areas:

  • Consumer Debts
  • Commercial Debts
  • Motor & Asset Finance
  • Recovery of Goods
  • Debt Purchase

Debt Collection

Our award-winning team have been collecting debt portfolios for over 40 years and are a trusted partner to some of the UK’s largest institutions. We are fully authorised by the Financial Conduct Authority for debt collection.

Our experience spans a wide range of debt types including consumer, commercial, motor and asset finance and debt purchase.

The advantage of using stevensdrake over a traditional debt collection agency is that we have extensive experience in seamlessly escalating our bespoke strategies from pre-legal collections to legal recoveries where appropriate.

We continuously review our performance collaboratively with our clients to ensure we test, learn and adapt continuously to improve performance.

Our transparent fixed pricing schedule and our extensive experience in ascertaining which accounts merit litigation allow our clients to make informed commercial decisions with confidence.


We have a proven track record in debt recovery under the strict dual regulatory requirements as set out by the Financial Conduct Authority and Solicitors Regulation Authority.

Although our focus is on maximising the recovery of each portfolio, our first priority is to collect outstanding accounts in a compliant and ethical manner, whilst taking into account mutual reputational risk.

Our experience of managing compliance in a proactive, holistic manner contributes to efficiency, increases effectiveness and ensures protection of our clients’ reputation.


The Firm has experience in developing bespoke recoveries strategies dependent on the nature of the debt, placement type and recovery requirements.

Due to varying debt types and the dynamic nature of client requirements, collection strategies are designed and agreed at client level. Contact strategies are fully documented, transparent and offer appropriate levels of forbearance throughout the customer journey.


stevensdrake has been collecting debt portfolios for in excess of 40 years on behalf of a number of household name creditors for whom brand protection is vital.

Our experience spans a wide range of debt types including consumer and commercial loans, credit cards, asset finance and motor finance.


Pre-legal Collections: we will assign your portfolio to a named, contactable Paralegal who will provide full progress reports and who will be able to make recommendations on escalation where required. Prices are dependent on volume, balance and frequency of submissions.

Legal Collections: our transparent fixed pricing schedule and our extensive experience in ascertaining which accounts merit litigation through a cost benefit analysis at account level allow our clients to make informed commercial decisions with confidence.

Enforcement Services: every effort is made to recover your debt cost effectively. The methods of enforcement will vary, dependent on our earlier assessment and are only applied for subject to client consent.


Motor and Asset Finance

The Recovery of Goods Centre is a specialist service offered by stevensdrake solely focused on asset recovery and collections for the motor finance industry. We offer a unique, personalised end-to-end solution including ROG proceedings through to litigation and enforcement where necessary.

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Consumer Debt

We understand that in a competitive debt recovery market securing the best net return whilst safeguarding your reputation is key.

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Commercial Debt

At stevensdrake, we recognise the need to maximise our clients’ cash flow and our aim is to: make invoices a priority to pay through attempts to secure voluntary resolution, or; to compel payment through litigation where previous attempts have failed.

Debt Purchase

As a highly regulated law firm we provide our debt purchase clients with a holistic solution encompassing pre-legal collections, legal recoveries and enforcement services.

As a trusted partner to major national and international companies we have a proven track record in maximising recoveries under the strict dual regulatory requirements as set out by the Solicitor’s Regulation and Financial Conduct Authorities.

We have close and long standing relationships with some of the largest debt purchasers in the UK. Our focus is on maximising our clients’ return on investment for each portfolio whilst handling recoveries in a highly professional, compliant and sensitive manner.

Our experience spans a wide range of debt types including:

  • Unsecured loans
  • Credit cards
  • Asset finance 
  • Motor Finance debts
  • Commercial Recoveries

Industry Recognition:

2017 Credit Awards: Winner -Best Law Firm for Collections

2017 Car Finance Awards: Finalist – Best Law Firm

2017 Collections & Customer Service Awards: Finalist – Best Legal Services Provider

2018 British CICM Credit Awards: Finalist – Legal Team of the Year

2020 The Legal 500 UK Leading Firm

Client Feedback

“We have used stevensdrake solicitors for a number of years for both debt collection services and litigation. Their approach and advice are straightforward, relevant and commercially viable. Their personal and professional service is greatly appreciated. We consider the relationship to be a partnership rather than that of client/customer"
“stevensdrake achieve positive outcomes in our most difficult cases. They have revamped their pre-legal process to give customers more information about the process, earlier, instead of taking the traditionally abrupt approach of simply serving a Letter Before Action. This exemplifies their commitment to a higher standard of collections conduct”
“stevensdrake have become a trusted partner, working proactively and collaboratively to ensure that we are receiving the right level of reporting, and the right outcomes time and again.”
“We know when we place a case with stevensdrake that we can have the utmost confidence that it will be worked in the right way every time”

Who to contact to learn more

Our team members below specialise in Debt Collection and will be able to help with all your questions.

Debbie Mottley

Director, Head of Collections

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