Debt Collection
Are you owed money by a Debtor? Are you constantly chasing Debtors for money due to you? If you are, we can help you.
We have established one of the leading debt collection departments in the country and undertake work for two leading financial institutions throughout Ireland.
We have a dedicated debt collection team who are experts in this area. Our team understands the importance of credit control when managing a business.
Our system is streamlined to achieve the highest level of recoveries for our clients. Our service produces results and is cost effective.
The following are the steps involved in the Debt Collection Legal Process:
1. Initial demand letter sent to the Debtor - The demand letter will threaten legal proceedings unless payment is received within 7 days.
2. Legal proceedings - If no response is received from the Debtor within that 7 day period, proceedings are issued. Proceedings can be issued in the District Court, the Circuit Court or the High Court depending on the amount of the debt.
Court
Amount
District Court
€1 - €6,348.69
Circuit Court
€6,348.70 - €38,092.14
High Court
€38,092.15 - unlimited
3. Judgment - After proceedings have been issued and there is still no response from the Debtor, Judgment against the Debtor is obtained.
4. Enforcement of the debt - Once Judgment has been obtained there are a number of options available to you to enforce the Judgment.
(i) The Judgment can be registered in the Registry of Judgments and thereafter the Judgment can appear in Stubbs Gazette. The registration of the Judgment can affect the Debtor’s credit rating.
(ii) The Judgment can also be lodged with the Sheriff. The Sheriff has the power to seize all the Debtor’s moveable goods such as household furniture, silver, paintings, books and cattle (etc).
(iii) The Judgment can be registered against the property of the Debtor by way of a Judgment Mortgage. If payment is not made, you can proceed to enforce the sale of the property.
(iv) Instalment order - Depending on the means of the Debtor, an Order can be made by the Court for the Debtor to pay off the debt owed to you by weekly/monthly instalments.
(v) Attachment and Committal - If the Debtor fails to pay the sum due under the terms of the instalment order, you can apply to the Court for a committal order committing the Debtor to prison. The Debtor can be arrested by An Garda Siochana and sent to prison for a maximum of three months on foot of a committal order.
Contact:
Please contact postroom@pjf.ie or call (045) 431 542 if we can help you in relation to the above.
Testimonials
"I have always found the service provided by your firm to be highly professional and first class. Attention to detail and advice given is always 'spot on'. No complaints whatsoever. It is always a pleasure to deal with your company."
- Liam Doherty
I am really pleased to recommend Niall Farrell. Working on behalf of the Sisters of Mercy during the past four years I have found Niall to be efficient, solution orientated and very accurate in dealing with some extremely complicated title to property. His availability to us as clients, despite a busy practice, both pleases and amazes me.
- Sr. Anne Doyle
"The service was very good. Whenever I had a query it was dealt with promptly. It was great that most of it could be done via email as it's not always easy to go to the office in person."
How likely on a scale of one to ten would you be to recommend us to others? "10."
-Margaret McLoughlin, conveyancing client.
"I have never interacted with a Solicitor who has demonstrated such dedication to duty above and beyond what could have been expected. Helen is an exceptional ambassador for your company, a real lady who dealt with my complicated legal issues in a manner that has forever enhanced my perception of the legal profession."
- Family Law Client
