If you do a little bit of research into small claims courts, you will probably read that claims can take anywhere between three and nine months. Though this might be the case for some people, it’s by no means a guarantee. In our experience, it’s not unheard of for a multitrack claim to take upwards of a year or two to be settled in a small claims court. This is largely due to the backlog courts are currently facing, which built up during the pandemic and has yet to shift.
Why Does Small Claims Take So Long?
It’s impossible to give an exact figure with regards to how long small claims take, as the timeline varies based on a number of different factors. It’s very much a case of taking a claim to court and hoping for the best, with no real idea of how long the process will take.
For example, the strength of your case and the evidence you have can hugely impact how quickly the case is resolved. The stronger the case, the quicker it’s likely to be resolved. Similarly, if the courts are busy, there is a risk that your claim will be a long way down the list. However, if you are lucky enough to put your claim through when the courts are relatively quiet, it will be looked at a lot sooner.
Of course, there are things that can speed up the length of time a small claim takes. The debtors’ admission of the amount owed can help to move things along, but there is no guarantee of this happening. A lot of people find that small claims court takes a lot longer than they first thought.
What are the Alternatives to Small Claims Court?
As you can see, there are certainly a number of benefits that come with taking a debtor to small claims court. However, the process can be far longer than many people initially realise. A lot of independent traders don’t have this kind of time, especially if the outstanding debt is hindering cash flow and ongoing business. This is why we encourage people to bypass small claims courts and focus their attention on face-to-face debt collection.
A lot of people don’t realise that debt collection officers actually need much less to get started, compared to going to court. All we need is proof of the debt, and we can take the first steps towards finding your debtor and recovering payment.
Though taking a debtor to small claims court can be an effective way of claiming an outstanding payment, it can be time consuming and stressful for you to tackle alone. This is why a lot of people enlist the help of a debt collection agency. At Cobra Financial Solutions, we offer an alternative way of doing things. To find out more about any of our debt collection services, get in touch with our helpful team or give us a call on 0151 526 4222.