No. Many debt recovery cases are resolved without court proceedings.

A formal letter before action may be enough to prompt payment, open settlement discussions or lead to a payment plan.

Court proceedings are usually considered where the debtor ignores correspondence, refuses to pay, raises a dispute that cannot be resolved, or where urgent action is needed to protect the position.

Havard Law Solicitors can advise whether court action is likely to be necessary or whether another approach may be more practical.