The recovery of consumer debts. These are debts owed by an individual to a creditor, often a friend or family member.

What is personal debt?

Personal debt is classed as debts owed by individuals to a creditor. Often the creditor is another individual. This can include loans to family and friends.

It can sometimes be difficult to approach personal debt collection if the debtor is somebody in your family or a friend. This is why AYOM has a team of fully trained dispute resolution experts. We will not only recover your debt, but can do so with the best outcome possible, keeping relationships intact.

What can we do for you?

Utilising our expert team we are able to perform detailed credit checks on debtors to determine their ability to pay.

Should the debtor abscond, we can also conduct numerous background checks to verify their current address as well as other details that will assist in finding them. All this helps provide complete information to make the collection process faster and easier.

We can also help with legal support, preparing documentation and offering advice should your debtors prove uncooperative. We can also be a third party providing mediation ensuring tension remains minimal, giving both sides an open platform to discuss remunerating the debt.

We are sympathetic and attentive to every client's situation. Each customer is different and consumer debt recovery requires staff able to see the full story. After all, both debtors and creditors are all human, so we need to have the ability to talk to both sides rationally.

We dedicate each customer a case handler for exactly this reason. They will listen to you, learn your situation, your debtor's and build your case.

All this allows us to chase debts with as much information as possible, raising your chances of seeing your debt recovered in full and sooner.


Are You Owed Money have a professional, experienced team who can offer 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.

Get in Touch

If you have any questions about our personal debt collection service you can call us Monday-Thursday 9am-5.15pm and Friday 9am-4pm on 0800 130 3357 or by filling in our enquiry form here.

Alternatively you can get in contact by emailing and one of the team will get back to you as soon as possible. We look forward to hearing from you.