Cobra Financial - Should I Try Small Claims Court Before Debt Collection?

No-nonsense, straight-talking debt collection service

A lot of people assume that small claims court is the easiest and quickest way of recovering a debt, but that couldn’t be further from the truth. Though the small claims court might sound as though it’s a simple and straightforward process, it can be stressful and time-consuming. In this blog, we compare small claims courts to our debt collectors.

How Small Claims Court Works

There is a lot that goes into the small claims court process, which is why it’s rarely the first port of call for someone seeking a debt. It’s plagued with long waits, especially if you happen to start the process during a busy period, and a relatively low chance of success. In fact, small claims court is one of the more costly ways of recovering money that’s owed to you. Even once you have applied online and the debtor knows that a claim has been brought against them, there is still no guarantee that they will pay up. This is why a lot of people skip small claims court and go straight to a debt collection agency.

How Our Debt Collectors Work

If there is one thing that we know for sure, it’s that some debt collection methods work better than others, depending on the debtor and the circumstances. This is why we utilise a wide range of techniques, including face-to-face visitors and debtor tracing services. We also wear body cams, to capture every interaction that we have with a debtor, to ensure that there is no chance of miscommunication. Once you provide us with the information we need to recover a debt, our experts get to work. Our process is efficient and effective, and we pride ourselves on collecting even the biggest debts successfully.

How Should I Claim Money Owed to Me?

Though many of our customers have made concerted efforts through various channels to recover their debt – and this includes going through the small claims court process – results from this debt-collecting method can be slow, and there is no guarantee of success. This kind of unreliability is enough to put anyone off, which is why we encourage those chasing debts to enlist our talented debt collection team. As a debt collection agency, you can save time by coming straight to us and letting us take over.

There is nothing wrong with trying small claims court before debt collection, but it’s likely that your debt will be recovered quickly and for a lower cost if you enlist the help of Cobra Financial. We have a range of debt collection solutions including face-to-face visits and debtor tracing. To find out more, get in touch with our expert team.

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