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

Best debt collection practices

Tired of promised repayment?

Looking for expert help?

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What AYOM can assist with:

  • Personal debts
  • Business debts
  • Consumer debts
  • Unpaid invoices
  • Unpaid rental arrears
  • Credit control
  • Legal support
  • Tracing debtors
  • Credit checks

Did you know?

Are You Owed Money Ltd are members of the CSA-UK, a voluntary best practice body; in addition to being fully licensed under the FCA.


Whether you are a business chasing another business, a business requiring collection from customers, or you are an individual seeking repayment, Are You Owed Money can help.

What makes us the best debt collector for you? We offer a fully tailored service. We have a team of experienced collectors in all areas of debt recovery. We have strategies ensuring we get the best result for you, regardless of the type of debt.

We also have expert tracing systems to find debtors should they provide you with false addresses or withhold information on where they are. We can run credit checking to find a person or businesses’ ability to pay; and we can process serve court documents directly to them in person.


We have the knowledge, experience and the capability of providing the assistance you need. We take time to understand every customer’s debt (as every debt is different). Backing up our team of collectors we have an in house legal department able to provide advice regarding disputes.

We are confident we are the best debt collector for you because alongside proven results we offer dedicated customer service representatives and a client portal giving you 24 hour access to your case.

We have all the necessary tools to track and monitor the financial situation of a business or a person. Our collections team will analyse that status so we have the most accurate knowledge of ability to pay. With this information, we can craft a collection strategy to recover the money you are owed without fuss or delays.

Real time updates via a 24hr client portal
Multi award winning service
On site legal team to provide experienced, expert support
Industry leading tracing systems


Are You Owed Money have an excellent, dedicated team. The combination of an experienced collections team, legal support and a proven collection strategy brings together a service you can rely on. We offer all this alongside a superior client portal and customer service team to make you feel taken care of throughout the process.

Your client portal lets you see how and when we've contacted your debtors as well as what we have recovered. Using a simple login you can access your case anywhere in the world at any time.