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 we can help with

  • Tracing
  • Credit checks
  • Unpaid invoices
  • Unpaid rent
  • Credit control
  • Serving documents
  • Legal support

Did you know?

Are You Owed Money Ltd has been awarded the “Leaders in commercial debt recovery” 2018 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.


AYOM have a track record of finding and mediating with debtors, even with those initially unwilling to pay. We have a team of experienced collectors backed up by a highly qualified legal team to settle disputes. We are attentive to your situation as every debt will be different.

We dedicate each customer a case handler for this reason. Your case handler will formulate a collection strategy which works best for you. Listening to your situation alongside our experience will raise your chances of full recovery.

We have all the necessary tools to track and monitor the financial situation of businesses and individuals. Our recovery team will analyse financial statuses so we have the most accurate knowledge of how much your debtor can pay. Our recovery team are also very well versed in laws surrounding business and consumer debts; accompanied by our on-site legal team are able to help prepare court documents.

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 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.