Guides & Insights
Irish debt recovery, explained plainly — twenty guides for creditors and for anyone being pursued.
How Long Do I Have to Recover a Debt?
Six years, twelve years - and why the clock rarely starts on the invoice date.
Before You SueWhat a Letter of Demand Should Say
Five things in, everything else out - and the statutory limits on how you may demand payment.
Before You SueAcknowledgment & Part Payment Restart the Clock
The rule that rescues creditors and catches debtors - and almost nobody is warned about it.
Before You SueIs This Debt Actually Disputed?
Telling a genuine defence from a delaying tactic, by specificity and timing.
Before You SueWhen Suing Is the Wrong Move
The honest list of situations where a judgment is a document you have paid for.
The Court ProcessWhich Court Will My Claim Be In?
District, Circuit and High Court thresholds - and why the choice affects cost more than speed.
The Court ProcessThe Summary Summons Explained
The procedure for a liquidated sum, and why most debt claims should never need a trial.
The Court ProcessWhat Happens If They Defend
The threshold for resisting summary judgment, and the moment a debt claim becomes litigation.
The Court ProcessJudgment in Default
The cheapest outcome for a creditor and the most avoidable disaster for a debtor.
The Court ProcessHow Long Does a Debt Claim Take?
Honest ranges for undefended, defended and enforcement stages - and what actually causes delay.
Getting PaidGetting Judgment Is the Easy Part
Why creditors arrive having won and been paid nothing, and the question they never asked.
Getting PaidJudgment Mortgages Explained
Security and patience rather than immediate payment - and why equity is everything.
Getting PaidInstalment Orders & Examination
The route that produces actual money from a debtor with income and nothing to seize.
Getting PaidSheriff Execution & What It Can Reach
More limited than creditors expect - and why a nil return is sometimes worth obtaining.
Getting PaidAttachment of Earnings & Garnishee
Reaching wages, and reaching money that someone else owes your debtor.
Business & Debtor SideLate Payment Interest You Are Entitled To
Automatic, no reminder needed, not in your contract - and almost never claimed.
Business & Debtor SideStatutory Demands & Winding-Up Petitions
Powerful where a debt is clear. An abuse of process where it is genuinely disputed.
Business & Debtor SideChasing a Company That Has No Assets
Guarantees, retention of title, unregistered security - the questions to ask before writing it off.
Business & Debtor SideI Received a Solicitor’s Letter - What Now?
What it means, six questions to ask, and the free independent advice available first.
Business & Debtor SideWhat a Creditor Cannot Do
Section 11 of the Consumer Credit Act 1995, and the demands that are criminal offences.