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

Award winning commercial debt collection agency

Award winning commercial debt collection agency

Take the hassle out of chasing your debtors and instruct the UK's leading commercial debt collection agency today.

See current progress of your outstanding debts via our 24 hour client portal.

Supported by an in-house legal team, we have the knowledge and experience to effectively collect your outstanding debts.

All we need is a little information. To begin, tell us about your debt.
This must be a value, such as 150.00
This must be a value, such as 1, or 99
We need to know the age of the debts

This form will take less than 60 seconds to complete.

Take the hassle out of chasing your debtors and instruct the UK's leading commercial debt collection agency today.

Commercial Debt Collection

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Manage single and multiple invoices through 24hr client portal.

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Access proven, tested, escalating recovery strategies with legal reminders.

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Bespoke packages available including creation of APIs for larger portfolios.

What we can help with

Unpaid invoices

Late payments

Credit control

Process serving

Statutory demands

Legal support

Tracing debtors

Credit checks

Did you know?

Are You Owed Money Ltd has been awarded the "Leaders in Commercial Debt Recovery" award by Wealth & Finance International.


Commercial debt is a debt owed to a business by another business. Cash flow is directly affected by unpaid debts. This means adequate debt management is an important process for businesses. Many companies need to regulate a positive cash flow to ensure they work efficiently and at a profit.

When any company has late payers or is unable to secure payment it can be difficult to know how to move the situation forward. Finding a credible commercial debt recovery agency is logically the next step to ease any concerns about growing bad debt being written off. This in turn decreases your risk of insolvency.

How can a debt collection agency help your business?

We are sympathetic and attentive to every company's situation. Each customer is different and business debt recovery requires staff with extensive knowledge. We ensure we dedicate each customer a case handler for exactly this reason. They will listen to you; learn your situation, your story and your business. This allows us to chase debts with as much information as possible, raising your chances of seeing your debt recovered in full and sooner.

We have all the necessary tools to track and monitor the performance of a business. Our recovery team will analyse the financial status of a company so we have the most accurate knowledge of whether they can pay. Our recovery team are also very well versed in laws surrounding business debts and our qualified on-site legal team are able to help prepare court documents.

Real time updates via a 24hr client portal.

Industry leading tracing systems.

Multi award-winning service.

On-site legal team to provide experienced, expert support.

Why choose AYOM Debt Collectors?

Are You Owed Money have a professional, experienced team offering expert advice about collecting your debts. The combination of an experienced collections team, legal support, case handlers and a proven collection strategy brings together a service you can rely on, all this alongside a superior client portal which allows you to track your case from beginning to end.

The 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 both in and outside of office hours.

With years of experience, excellent staff training and an impressive track record of results including award winning services and procedures, Are You Owed Money Ltd is your best opportunity to recover your business debts.