Referred account review
Assess the underlying agreement, balance, payment history and collection record before discussing the next legal recovery step.
Explore this serviceFor Collection Agencies & Receivables Teams
Put referred accounts on a clear legal recovery path.
Practical court and recovery support for collection agencies and receivables teams assessing accounts that may need further legal action.
Ontario Alberta British Columbia
Support for your industry
A useful referral begins with the underlying account.
An account may arrive with a long contact history but an incomplete picture of the original agreement or amount owing. Before further action is considered, the creditor, debtor, documents and authority to proceed need to be clear.
We work with referring teams to assess the account in context and agree on the appropriate scope. Clear referral instructions, organized evidence and file reporting help your team make informed decisions about individual accounts and recurring work.
Small Claims Court support
Discuss eligible claims, the correct parties and the materials needed to advance the matter in the appropriate provincial forum.
Explore this serviceJudgment recovery assessment
Review an existing judgment, collection history and available debtor information before further enforcement work is proposed.
Explore this serviceThe province, agreement, parties and type of claim guide the available process. We review these with your team before recommending a course of action.
Schedule a consultation
Let’s discuss your referred accounts.
Tell us about the accounts your team is referring and the court or recovery support you are looking for.
Helpful for our first conversation
- Original agreement, invoices and current account ledger
- Creditor and debtor identities and referral authority
- Contact history, demands and relevant correspondence
- Existing judgments, court materials and prior recovery records
A brief overview is enough to start. We’ll discuss how to provide the supporting records.
Thank you
Consultation request received.
Our team will review your request and follow up to arrange a consultation.
Illustrative scenarios
The kinds of matters
we can discuss.
These examples show the issues a first conversation may cover. For actual file histories and outcomes, see the published case studies below.
Collection efforts have stalled
Illustrative scenario: a receivables team refers an unpaid commercial account after repeated follow-up. The original contract, ledger, demands and current contact information help establish what the next review needs to address.
A referred judgment remains unpaid
Illustrative scenario: an agency asks for a review of a creditor’s unpaid judgment. The judgment, authority to refer, prior steps and current debtor information help the team assess possible further work.
The recovery knowledge centre
Information for your
next recovery decision.
Watch the issues explained
0:29Video · Michelle Haigh
How Legal Recovery Transforms Accounts Receivable
Explore how formal recovery processes, judgments, and settlements can help address unpaid invoices.
Watch video
0:36Video · Michelle Haigh
Why Jurisdiction Strategy Matters
When to pursue the full claim and when a different court strategy may better serve your business.
Watch videoRead the practical perspective
Article · Debt Recovery
When to Choose Collections vs. Legal Action: A Guide for Businesses and Lenders
Weigh recovery prospects, evidence, costs and timing when deciding how to pursue unpaid commercial invoices, business accounts and lending debts.
Read article
Article · Debt Recovery
Three Jobs, Three Garnishments… and One Very Determined Lender
A lender's judgment recovery took three employers and repeated garnishment steps. What this file teaches corporate creditors about persistence, costs and enforcement.
Read article
Article · Debt Recovery
Five Things Every Judgment Creditor Dreams of Hearing
A lighthearted look at the five things a debtor can say that make collecting on a judgment quick and painless — and how to be ready to act when a debtor's finances improve.
Read articleFrom published files
Relevant recovery
experience.
Explore the facts, decisions and outcomes of these published files, with the connection to your industry explained for each.
Related enforcement experience for a professional services firm, following judgment on a corporate account.
Case Study · Debt Recovery
Enforcing a Corporate Judgment Through a Director’s Examination
After attempts at the registered office were unsuccessful, a corporate debt claim progressed to judgment and a director’s examination in aid of enforcement.
Small ClaimsCorporate CollectionsService of ClaimsExaminations in Aid of Execution
Read case study Related referral assessment: a financial services client reviewed anticipated costs and chose not to litigate.
Case Study · Debt Recovery
Assessing Litigation Costs Before Pursuing a Claim
An upfront claim package and cost assessment helped a financial services client decide whether to pursue a company and a connected individual.
Small ClaimsFinancial ServicesPre-Litigation ReviewLitigation Costs
Read case study Questions from your industry
Before you refer
a matter.
Start with the questions that matter to your team, then speak with us about your specific circumstances.
Discuss Your Referral NeedsWhat should accompany a referred account?
Provide the original agreement, invoices or statement, payment history, collection record and correct party details. Also explain who owns the account and who is authorizing the work so the referral can be reviewed in context.
Can you assess an account before a claim is issued?
Yes. A review can help identify missing records, disputed issues and information about recovery prospects. The proposed scope and budget should be agreed before a decision is made about further legal action.
Can we discuss a process for recurring referrals?
We can discuss referral criteria, required records, instructions, budgets and the reporting your team needs. The arrangement and the authority for each matter need to be clear before work begins.
Do all referred accounts proceed to litigation?
No. The available evidence, amount owing, debtor information and expected cost of action all affect the decision. A review may lead to further information gathering, a settlement approach, a claim or a decision against additional steps.
Put the next step in perspective
Let’s discuss your referred accounts.
Tell us about the accounts your team is referring and the court or recovery support you are looking for.