About
A specialist debt recovery business with years of experience across both consumer and corporate collections — from the first pre-legal letter through to High Court enforcement and insolvency proceedings.
Founded by practitioners
RC Legal & Collections (UK) Limited was founded by professionals with hands-on experience across the full collections lifecycle — from first-contact demand letters through to County Court judgments, High Court enforcement, and insolvency proceedings.
Today we specialise in recovering defaulted Merchant Cash Advance agreements where a personal guarantee has been provided — pursuing both the business and the guarantor simultaneously under English insolvency and enforcement law.
Firm, fair, and focused on recovery
We believe the most effective collections work is not aggressive — it is structured, persistent, and legally precise. We give debtors a genuine opportunity to engage, and we take a no-nonsense approach with those who do not.
- Pre-legal letter campaign: First-contact demands and payment negotiation opportunities.
- CPR-compliant letter before action: Formal notice prior to legal proceedings.
- Statutory demand: Formal demand under the Insolvency Act 1986.
- Winding-up or bankruptcy petition: Full insolvency enforcement where debtors fail to engage.
Ready to refer
an account?
an account?
Friendly but no-nonsense. We treat every debtor with professionalism and respect — and we pursue every debt with absolute determination.