Our Philosophy

In the majority of collection cases, companies or individuals fail to pay not because they do not want to do so. Rather, they are unable to do so.

These debtors have a limited amount of funds which are insufficient to meet all their existing financial commitments. Who they pay first (or at all) depends on the type of debtors they are and the techniques being used.

To enhance your likelihood of receiving payment, we employ our tried and tested trio of tactics, namely profiling, persuasion and positive pressure.

Our Practice

All new clients are firstly interviewed by one of our solicitors to better understand the nature/vagaries of the clients’ industry, to identify the clients’ commercial considerations/unique circumstances and to evaluate the best general strategy to be adopted for that particular clients’ collection cases.

To enhance the likelihood of successful recovery, it is important that our clients are inculcated with a basic understanding of debtor types (e.g. payment patterns, debtor demeanour etc) and a preliminary overview of the Court processes (e.g. evidentiary requirements to substantiate claims, procedural timelines, enforcement options etc).

We support these by conducting workshops, seminars and/or legal clinics for our clients’ credit management/accounts personnel and updating them on the latest developments in the relevant areas of law.

Our Programmes

Whilst bad debt cases are easily identifiable by routine efforts, successful collection are mainly realized through skilful employment of effective techniques.

Time must be invested in assessing the debtor’s financial circumstances (e.g. assets available for attachment/their anticipated income from their trade debtors) and profiling the debtor (e.g. their concerns about adverse publicity brought about by debt litigation).

We review our clients’ proposed/existing contracts with others to evaluate and recommend precautionary measures to be provided/added in these agreements (debenture documents, bank and personal guarantees, credit limitation and application procedures etc).

Through our continual client-education processes, our clients’ personnel will be able to inform us of the debtor’s profile for our credit enforcement to formulate the best methodologies to use for engaging a particular debtor.

In most cases, our approach can be categorized as two (2) distinct phases:-