Pursue disputed and litigious 'bad debts' with complete impunity - at no risk to you.

We will consider taking on any debt where your client may have raised a dispute with you. Including supplemental claims for damages and the like. If we lose, we will cover all of your costs (and disbursements) along with your opponents - at entirely no risk to you.

We can also analyse your accounts going back up to 5 years - completely free of charge - for bad and disputed debts that we may be able to accept.

So how exactly does it work?

Provided the debtor is not insolvent, bankrupt, in administration or been liquidated, we will consider most debts GBP 25,000 and above, where the principal debt, or dispute, is at least GBP 25,000, plus interest and any other claims, that you have probably written off in your annual accounts and given up pursuing due to the inherent risk and exposure to your own, and your opponents legal costs, which can often dwarf the original debt.

We will need to review and make an underwriting decision about the adverse exposure to costs as well as merit and recoverability. Once complete, if we and our solicitors agree to take on your claim, you will be charged a GBP 850.00 underwriting fee. This is only payable if we chose to proceed and the debt is disputed and/or considered litigious. If we accept it, and it is not disputed, or likely to be disputed or litigious (in our opinion), no underwriting fee is payable.

In return, we will take over your claim by standing in your shoes under a legal assignment whereby we take all the risk, fund all the costs of brining the claim, and any adverse costs if we lose**.

We will deduct 35% of whatever we recover (in your damages) as our risk-fee*.

This service is presently limited to litigation that is subject of the courts of the UK or Channel Islands only, but claimants and defendants may be based anywhere in the world.

See our SLA for full terms, conditions and exclusions.

Click and create an account - it's free - selecting 'Ad-Hoc Debt Litigation' and follow the instructions to upload your debt(s) for a free review. We will typically call you back to discuss each matter once uploaded.

Alternatively, Contact us where you can book a free fifteen minute pre-instruction consultation with one of our directors.

Learn about
Debt Litigation:

Caresso Care offers expert credit control, backed by highly qualified solicitors.

Also consider signing up for Caresso Care - it won't cost you a penny and will guarantee payment of your invoices*.

Caresso Care connects to your cloud accountancy software (QuickBooks, SAGE, XERO, FreeAgent and the like) as a service, and confidentially provides outsourced credit control, chasing your debts in your name for you.

Invoices that remain overdue are followed up very subtly, in the first instance, by Caresso Law solicitors.

Litigation is very much the last stage, at your discretion, again with all of your costs (including disbursements, court issue fees and the like) paid and covered by Caresso Law. We also cover all adverse costs if we lose.

Best still, if our solicitors agree to take a case before the courts, but fail to make a recovery, we will stand in your debtor clients’ shoes, and pay the full value of your unpaid invoices* ourselves. That’s unique!

You may be surprised to learn that the Caresso Care service itself is completely free of charge. And whilst we do this on the basis that we acquire the ability to earn legal fees from any litigation that may arise on your unpaid debts, we will continue to provide the service to you indefinitely even if no fees are ever generated. That’s our investment in acquiring new customers.

And a few words from a corporate client:

"As a large multi-national tech group, we have our fair share of unpaid debt. We were introduced to Caresso Law and successfully use their unique digital platform to recover tens of thousands of debts, and we can't recommend them highly enough."

Source: Smartfrog International

why choose us?

Caresso Care, our full sales ledger credit control service, is effectively free of charge to you*. Taking the financial pressure off your business, and getting your debts paid sooner, improving cash flow and enabling growth.

If we have to escalate, or litigate a debt, it is automatic, and we cover all court costs, legal fees & disbursements, so you don't have to. We even cover the debtor's costs, should we unexpectedly lose. No more charges to send solicitors letters or issue proceedings.

When our solicitors litigate a Debt, we pay you 100% of whatever they recovery*. We also pay you 100% of debts we fail to recover, through our unique SLA.* That's unique!

There is no debt collectors' commissions to pay. No solicitors' disbursements, court costs, upfront payments, or risk.*

Caresso Law offers you a truly unique service driving value to your business through the use of our totally unique digital platform.

With over a quarter of a million overdue invoices instructed to date, and counting, you too can be sure your unpaid invoices from just £/€ 1.00 upwards are in safe hands.

The small print explained.

*Our unique schemes have been developed principally for the recovery of undisputed business-to-business invoice debts that relate exclusively to the supply of goods and/or services, however we will - for an additional 'risk fee' - consider disputed UK debts generally over £25,000 ("Debt"). Any registered business, or partnership, can sign up. Our solicitors seek to recover their cost's directly from the debtor pursuant to EU & UK legislation. We retain interest & statutory late payment charges to cover the cost and risk of providing our service and SLA in which we also 'guarantee' the payment of Debt (but not a disputed debt) below £/€ 5,000 where our solicitors, having agreed to take to court, fail to make a recovery - save as for where the debtor is, or appears to be, insolvent.

We will pay you 100% of invoices we recover subject to our SLA, which excludes insolvency litigation, disputed and aged debts which will be subject to a 25% fee for debts over 1 year old, and 35% for debts over 2 years or where they are disputed.

If we fail to make a recovery and are unable to proceed your matter to court, we will simply re-assign the invoice to you, and you will not have anything to pay.

**All risk in the legal costs, court costs, hearing fees, counsel and expert fees, disbursements and the like, along with those of the debtor should we lose, typically rest with Caresso Law whose Specialist Purpose Litigation Vehicle ("SPV") takes a legal assignment of Debt(s) and litigates them in its own name, and at its own risk, standing in your shoes as the claimant and taking said risk. We and instructed solicitors will waive all costs (along with any unrecovered costs) in the event that your claim is unsuccessful and you will not be required to pay back any litigation funding facility provided by Caresso Law provided to you unless you have deliberately misled us, the SPV, the court, the appointed solicitor or any expert or you otherwise fail to cooperate.

There must remain reasonable merit and prospect of success (at our absolute sole discretion) at all times for us to commence and/or continue litigation. Full Terms and Conditions provided when you use our service(s).

This means that you can take full comfort that in the event that we fail to make a recovery, or lose the case, provided you have complied you will not have anything to pay.

We've been instructed to litigate over 250,000 invoices.

Create an account and start uploading yours immediately.

It's quick. It's easy. And, it's free.

Still have some questions? Prefer to chat to a technical sales executive to help guide you and make sure you chose the correct service and fully understand our service? Just click the CHAT button and we will connect you either immediately, or set up a video call at a time to suit you!

Use this form if you are operating a business and seek either:

Caresso Care, our outsourced sales ledger credit control. This requires an active subscription to the main online accounting systems that we support (including SAGE, XERO and QuickBooks); OR

Ad-Hoc Debt Litigation, our service for recovery of one-off invoices, previously written off bad debts and disputed/litigious invoice debts and claims.

Whereby the debtor is not in liquidation, administration or declared bankrupt.

If you wish to use Caresso Care and also recover bad, written off and/or disputed/litigious Ad-Hoc debts, please sign up for both services and use them in paralell (as they operate independently).

If you are an affiliate, be sure to select the 'Caresso Law ad-hoc debt litigation / Or Affiliate only' option - this will create an account and generate an AFFILIATE_ID and link, enabling you to sign-up your clients direct (if so required).

If you have a commercial dispute (not relating to an unpaid invoice) please click HERE.

When using our Ad-Hoc Debt Litigation service you may currently only upload invoices either due from debtors in, or where a forum selection clause (in other words your contract with your client states that any dispute must be hear in a particular court and country) submits the dispute to the jurisdiction of:


Already joined? Login HERE.

Enter your Referrer ID, if you dont have one yet, or dont know what this is, please enter nothing and ignore this

PLEASE NOTE: You may sign up for either Caresso Care, our free outsourced credit control service (select 'Caresso Care'), or Caresso Law Ad-Hoc Debt Litigation, to recover one or more one off invoice debts or to just sign-up as an Affiliate (select 'AD-HOC Debt Litigation').

Please select service required and note all services include our free and unlimited AML/CDD/CFT compliance service:

Please confirm your business is based in, and mainly invoices other businesses in, one or more of our supported jurisdictions:

Please confirm that:

  • your terms and conditions do not prohibit assignment of your rights (debts) to us;
  • your terms and conditions allow you to bring a claim against your debtor in one of the following supported jurisdictions, in other words you do not have a ‘forum selection clause’ prohibiting you from bringing a claim against your debtor in the courts of, and subject to the national law of:
    1. UK
    2. Guernsey
    3. Jersey

Please Note: additional European jurisdictions are in process of being added shortly

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