Debtors in Northern Ireland
Northern Irish debtors are not a problem for our team, our initial approach is to send our letter of claim, progressing to our letter before action if needed.
This letter demands payment and puts the debtor on written notice that failure to pay will lead to further action being taken. It is our normal practice to issue the letter of claim on the same day we receive your instruction.
In Irish law, your case will only be heard by the court if the claim is disputed, a counterclaim issued, or an unacceptable repayment proposal is made by the debtor.
Unless your claim is disputed, you will not have to attend court and decree may be obtained by completion of the relevant documentation. We will prepare these documents on your behalf and submit them to the court removing the administrative burden from you and ensuring all documents are completed accurately. These will then be stamped by the court and served on the debtor.
The debtor has 21 working days after service to lodge a notice of intention to defend. If the matter is undefended, i.e. the debtor fails to respond within 21 days, we will then submit all the relevant paperwork to obtain a decree. Once a decree has been obtained the debtor is liable to pay the principal sum, applicable interest and a higher scale of recoverable costs.
Should a debtor fail to pay following decree, one method of pursuing further recovery is by using the Enforcement of Judgments Office (EJO). The EJO is authorised to recover or enforce decrees for a scale fee depending on the amount of debt to be recovered.
If your debtor is based in the Republic of Ireland, different procedures apply.
To find out how we can help you recover your debts in Ireland contact our team today.