If you have outstanding debts from overdue invoices, rent arrears, bounced cheques or any other trading debts, we can help.

Are You Owed Money Ltd; the UK’s premier debt collection agency.

AYOM offers a number of debt recovery services to provide you with the best debt collection strategy for your case. These include recovery, tracing, mediation, credit checking, legal support and more

Proven debt recovery strategy

Whether it is personal debts, consumer debts or commercial debts; we have expert debt collectors able to generate a strategy that works for you.

AYOM’s debt collectors strive to provide all round excellent service. Each client has a dedicated customer service contact as well as a profile on our client portal. Your portal displays the details of your case 24 hours a day including when we have contacted your debtor.

Talk to us today and find out how our award-winning debt collection agency can help you.

Experienced debt collectors

Our debt collectors have the knowledge and experience to recover your money. They aim to do so swiftly and efficiently; drawing on our successful strategies. Our debt collectors recover debts throughout the UK. We have agents able to reach debtors across the country and tracing services to locate debtors wherever they may be.

Be safe in the knowledge your case will be handled by an expert debt collection team. We aim to provide exceptional pre legal debt collection services but also provide legal support if needed. Our on-site solicitors can help with preparation of documents and support you if a matter is escalated to court.

Why use debt collectors?

  •   Relieve stress of chasing debtors
  •   Save time; let us handle the collections process
  •   Avoid common pitfalls and delay tactics
  •   Force your debtors to confront the matter
  •   Access tested strategies to speed up repayment
  •   Utilise legal support if you require further action

Why Use AYOM ?

  •   Award-winning debt collection agency
  •   Real-time, on-line account monitoring
  •   National coverage across the UK
  •   Trace missing debtors
  •   Localised debt collection officers to visit debtors
  •   Obtain & enforce CCJs

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Testimonials & Success Stories

Our debt collection agency recovered £50,000

AYOM debt collectors quickly overcomes disputed debt for Manchester construction firm
construction site

Our debt collection agency was recently instructed to recover a debt in Manchester. The debt was over £50,000 plus commercial costs from a construction company. The debtor and client are both based in Manchester area. The debt had been sitting unpaid for a number of months, affecting the client’s cash flow. The debtor at first disputed the debt and refused to pay. Minor disputes and snagging were the reason alleged for withholding payment.

Our collectors have many years experience dealing with debtor disputes. Using a mix of evidence and reasoning, the debtor finally saw the client’s side of the story. Mediation is an important part of our job to help recover a unpaid debt.

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Very professional and very easy to deal with.

I contacted are you owed money limited after trying to get the money I was owed for a long time, within 2 months I had my money it made a massive difference as a small business it literally made the difference between staying afloat or going under. They always seemed very professional and very easy to deal with.


Stress Free!

Are you owed money Limited have really taken the stress out of chasing unpaid invoices. Very reasonably priced and get the job done quickly and efficiently. All accounts can be viewed via a portable, therefore you are kept in the loop every step of the way.


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