Should you pursue this debt?
Not sure whether to send another reminder, demand payment, refer it for recovery, or write it off? Answer six quick questions and get a clear, recommended next step for your overdue commercial account.
About the debt
How this tool decides
This guide weighs the factors that most affect whether — and how — an overdue commercial account should be pursued: the size and age of the debt, how well it is documented, whether the debtor is still trading, whether you've already demanded payment, and whether the amount is disputed. It maps your answers to the step that usually makes the most commercial sense.
It is a starting point, not a verdict. Most accounts that have passed a written demand and aren't genuinely disputed are good candidates for professional, commission-only recovery — you risk nothing upfront and pay only on success.
This tool provides general guidance only and is not legal or financial advice. Recovery prospects depend on the specific facts. For insolvent debtors, statutory demands, or disputed amounts, seek advice tailored to your circumstances.
Not sure? Let us assess it free.
Merion reviews every referred account at no cost and recovers on a commission-only basis — no recovery, no fee.
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