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

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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 collection agency for you? We offer a fully tailored service. We have a team of experienced collectors totalling many years of experience in all types of debt. We have strategies ensuring we get the best result for you, regardless of the type.

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.


Debt collection is a vital aspect of credit control. What a debt collection agency can do is provide your team with an extra, reasoned voice in the process. Our collectors are firm but fair. Escalating a debt to a debt collector often ensures the debtor is aware of the seriousness of the issue. From here we are able to assert your legal position and mediate the debt accordingly.

With years of success behind us, a strong legal team backing up our collectors for dealing with disputes and award winning credentials, we are confident we are the helping hand you can rely on to ensure you get your money back.

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.