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Using a Debt Collection Agency

Using a Debt Collection Agency

Last modified: November 28, 2023

Using a Debt Collection Agency

People and Companies across the UK are increasingly using a debt collection agency to recover debts owed to them.

Many businesses have an internal collections process that assists with their own credit control.

Despite this, there are people that will go to any length to avoid paying what they owe to the original creditor.

There are many types of debt, and a specialist collections process is needed to overcome those that have refused to pay.

This is a trend that goes against more old fashioned methods of debt recovery.

Expensive options such as law firms, costly court fees and protracted procedures.

Your selection of debt collection agency however can contrast greatly in terms of achieving the desired result.

Using a debt collection agency that is ‘fee earning’ clearly benefits from a lengthy scenario.

The cowboy firms that carry the badge of ‘no win, no fee’ can damage more than just your purse…

…they can also damage your reputation and could even lead to court action against you.

Using a Debt Collection Agency | Get Expert Help From A Professional Private Debt Collection Agency Now

Our friendly team of Debt Collection Experts is happy to help you today


A professional and proficient debt collection agent can be of real benefit…

…to any individual or business seeking to recover unpaid debts in a professional and expedient manner.

There are major factors to consider though.

It is similar to employing a new member of staff for instance.

In both cases, you are looking to employ someone to work for your business.

Their ethics should be similar and you will want them to be professional at all times.

Choosing the wrong debt collection agency will be far worse than not choosing one at all.

Why? Let us consider the implications of such.


This should be a key factor that should rank higher than most others.

Instructing any company that is going to be an extension of your business needs deep consideration.

You will want them to conduct themselves professionally at all times as effectively they are under your instruction.


This is a key area of consideration also for if the results will be poor, what is the point?!

The E-Effect:

  • Experience – Industry experience
  • Endeavour – A proactive strategy
  • Efficiency –  Diligent and proficient
  • Ethical – Compliant, lawful and professional
  • Effective – Results driven and low-cost
  • Established – Have a proven track record

Depending on the depth of service the cost of recovering debt can differ.

Tranparency is imperative, as you do not want a fee earning or drip pricing service that has hidden extras.

Using private and personal debt collectors can serve real benefits.

Using the best debt collectors will maximise collections

It is a fact that a results-driven service will deliver more than a fee driven policy for obvious reasons.

It is more lucrative to the fee earning entity for the matter to become protracted.

Fee earning is a standard policy normally adopted by law firms however many debt collection agencies have fee-earning aspects too.

Debt collection agencies that pitch themselves as providing a no win, no fee service will never work for free.

It is a fact that many debt collection agencies have started and failed within their first 12 months.

Often, they end up taking their clients money with them, as no business can afford to operate for free.

When using a debt collection agency, it is very important you apply diligence and do your research.

Some companies charge ‘abortive’ fees where they will invoice you even if the debt is not collected.

And there are also some that companies that will deduct spurious disbursements once the debt is collected.

This is in addition to any commissions incurred for recovering payment.

You should also be aware that some will charge you even if they do not collect your money.

A debt collection agency’s reputation will be based on what they have done, not what they claim to do.

Using a Debt Collection Agency Frontline Collections

The best top debt collection agencies in the UK include companies such as Frontline Collections and Federal Management.

They deliver a low cost, fixed fee service that comes with low commission rates.

Anybody these days can pop a website up and claim to be a professional company.

It really does matter on the kind of debt collection agency you want to work with.

If you are thinking of using a professional debt collection agency, it really does pay to do your homework.

The various review platforms around offer a great insight into the company’s ethics.

Another option is to see how long they have been trading.

Frontline Collections have been trading since 2005.

Over our long history, we have collected millions of pounds in unpaid bad debts in the process.

We are also a member of the UK Debt Collection Bureau and are accredited by the Credit Services Association (CSA).

Using a debt collection agency can be a very positive thing indeed.

Frontline Collections deliver the Kodak effect –  let us turn your negative into a positive!

If you are facing an issue of someone that has refused to pay speak to one of our friendly debt collection experts today for help.

We will conduct a free pre-action assessment of your debt, giving you a clear idea of your recovery prospects.

Using a Debt Collection Agency | Get Expert Help From A Professional Private Debt Collection Agency Now

Our friendly team of Debt Collection Experts is happy to help you today