Lower cost to start
Commission-only recovery means no upfront fee — unlike most legal engagements.
Comparison
Debt collector vs lawyer: which do you need first?
For most overdue commercial accounts, a commission-only recovery agency is the sensible first step — with a clear path to legal escalation if it's ever required.
When an invoice goes unpaid, business owners often assume the only option is a solicitor. In many cases a commercial recovery agency is the better — and far more cost-effective — first move. Merion works on commission, so there is no upfront cost to attempt recovery, whereas legal work typically involves fees regardless of the outcome. A well-structured demand and professional follow-up resolves a large share of accounts well before anyone needs to consider court.
Where an account is genuinely disputed, or the debtor is unresponsive and the amount justifies it, litigation may be appropriate. We recognise that point early and can let you escalate without losing momentum. Think of it as a sensible order of operations: attempt commercial recovery first on a no-recovery-no-commission basis, then escalate to legal action only if needed. This is general information and not legal advice — for advice on your specific circumstances, speak with a qualified solicitor. You can request a quote or refer the account to get started.
Choosing a path
Where each option fits
Faster on simple accounts
A clear demand and follow-up resolves many debts without court.
A clean escalation path
If litigation is warranted, you can move to a solicitor without losing momentum.
Right tool, right time
Try commercial recovery first; reserve legal action for disputed or stubborn accounts.
Start with recovery, escalate if needed
Refer your account and we will pursue it professionally before any legal step is considered.
Common questions
Frequently asked questions
Should I use a debt collector or a lawyer first?
For most undisputed commercial debts, a commission-only recovery agency is the lower-risk first step. Legal action can follow if the account is disputed or ignored.
Is it cheaper than going to a solicitor?
Usually, to begin with — there is no upfront cost. We are paid on commission only when we recover, while legal fees often apply regardless of outcome.
What if the debtor disputes the debt?
We assess any dispute on the facts. If it cannot be resolved commercially and the amount justifies it, you can escalate to legal action.
Is this legal advice?
No. This is general information only. For advice on your situation, consult a qualified solicitor.
Get started
Not sure where to start?
Refer the account for a free, obligation-free appraisal — we'll tell you honestly if recovery is the right first step.