Debt Recovery Anywhere in Ireland

Demand, judgment and enforcement — and honest advice about which debts are worth pursuing.

You do not need a solicitor near you for this, and you do not need one near your debtor either. Debt recovery is national law, the preliminary work is documentary, and venue for proceedings and enforcement follows the debtor regardless of where your adviser sits.

Why Geography Is Not the Constraint

Everything that determines the outcome of a debt claim is established on the papers. When the debt fell due, and whether anything has restarted the limitation clock. Whether the terms of trade contain a retention of title clause, a guarantee, or a contractual interest provision. Whether the correspondence discloses a genuine dispute or a delaying tactic. What a company’s filings, registered charges and existing judgments reveal about whether pursuit is worthwhile. Which enforcement route matches what the debtor actually has. None of that requires anybody to be in the same county, and all of it is done by telephone, email and video as effectively as across a desk. Where proceedings physically issue depends on venue, which turns on connecting factors and commonly follows where the defendant resides or carries on business — so it follows the debtor rather than the creditor or the solicitor.

What to Assess in Any Adviser

Four things, and they matter more than proximity. Do they check the limitation position first, and do they know that the clock starts when the debt fell due rather than on the invoice date, and that an acknowledgment or part payment can restart it. Do they assess honestly whether a dispute is genuine before issuing, since a summary claim meeting a real defence becomes plenary litigation with costs that stop being proportionate. Do they investigate what the debtor has before recommending proceedings, rather than after judgment. And will they tell you not to pursue a debt — which is the question that most distinguishes a solicitor from a collection service, and which is why the prohibition on calculating fees as a percentage of recovery matters to you as a client. A firm paid a percentage has no incentive to tell you that a debtor has nothing, that a debt is statute-barred, or that a dispute is real.

Two Free Tools Before You Call

The Debt Limitation Checker walks the time-limit questions and flags where a debt may be statute-barred. The Recovery Route Mapper shows the likely court, procedure and enforcement options — and flags where the honest answer is not to issue at all. Both run entirely on your device; nothing is stored or sent.

Worth Pursuing, or Not?

The amount, when it fell due, whether anything restarted the clock, the debtor's correct legal name and what you know about their means. Those five answers shape everything.

Call 01 5827148

Related Reading

Debt Recovery in Ireland - FAQs

The preliminary and advisory work, yes — and that is where the outcome is largely determined. Proceedings and enforcement happen at the venue that connects to the debtor, which is a matter of court logistics rather than of where you or your solicitor are based. In-person meetings are available at the Dublin or Kilkenny offices where preferred, and are often useful for going through a ledger or reviewing terms of trade.

General information, not legal advice. This website contains general information about Irish law on debt recovery and enforcement. It is not legal advice and does not create a solicitor—client relationship. Every debt turns on its own facts — the documents, the dates, the parties and the debtor’s circumstances — and advice on yours requires a consultation. Statutory thresholds and figures referred to on this site are subject to change and should be confirmed before any step is taken.

A law firm, not a debt collection agency. Mary Molloy Solicitors provides legal advice and representation. It does not operate as a debt collection agency and does not conduct collection campaigns. Fees are agreed in writing with the client at the outset and are never calculated as a percentage or proportion of any sum recovered. In contentious business, a solicitor may not calculate fees or other charges as a percentage or proportion of any award or settlement.

No outcome is promised. Nothing on this site states or implies that any debt will be recovered, that any asset will be found, that any enforcement step will succeed, or that any claim will succeed. Recovery depends substantially on the debtor’s means, which are frequently unknown at the outset.

How payment may be demanded is regulated. Section 11 of the Consumer Credit Act 1995 makes it an offence to make a demand for payment by means calculated to cause alarm, distress or humiliation, or falsely to represent that legal proceedings have been or will be issued. Nothing on this site should be read as encouraging any such conduct. Mortgage arrears on a principal private residence are dealt with under a separate regulatory framework and are outside the scope of this site.

If you are the person being pursued. Free, confidential and independent money advice is available in Ireland from MABS, the Money Advice and Budgeting Service, and through the Abhaile scheme for people in mortgage arrears. You do not have to engage a solicitor to get help, and taking advice early generally improves the options available. This firm advises debtors in matters separate from those in which it acts for a creditor, and never both sides of the same debt — conflicts are checked before any substantive discussion.

Tax. Nothing on this website is tax advice. Questions about VAT on recovered sums, bad debt relief or the treatment of write-offs belong with your accountant or tax adviser and with Revenue’s own guidance.