If you have outstanding debts from friends, family, acquaintances or previous employers? We can help.


Owed money from friends, family, acquaintances or previous employers?

Not been paid despite promises of repayment?

What we can help with

  • Borrowed money
  • Loans to friends & family
  • Unpaid invoices
  • Statutory demands
  • Legal support
  • Tracing debtors
  • Credit checks

Did you know?

Are You Owed Money Ltd has been awarded the "Debt Collection Service Provider of the Year" award by Corporate Livewire


Consumer debt is classed as money owed by an individual relating to personal and household matters rather than business. Consumer debt relates to debt owed by using products or services that go towards the individual or their family.

Examples of consumer debt include rental arrears, credit cards, loans, overdrafts, phone bills, utility bills and goods on credit such as sofas, TVs and other household items. If your business is suffering from non paying debtors, bring in the experts and give yourself the best chance of recovering your money.

How can a debt collection agency help you?

We are attentive to every customer's situation. Each customer is different and personal debt collection requires staff with extensive knowledge to manage each situation. Because personal debts often vary, our experience will allow us to find the best solution for you. We dedicate each customer a case handler for exactly this reason. They will listen and learn your situation. This allows us to chase debts with as much information as possible. This raises your chance of seeing your debt recovered in full and sooner.

Our collections team can analyse the financial status of an individual so we have the most accurate knowledge of whether a debtor can pay. Our recovery team are also very well versed in laws surrounding personal debts and our qualified on-site legal team are able to help prepare court documents if required.

We not only recover debts but provide a suite of services which give you the option to chase a debt yourself if you don't wish to use a third party. We also provide mediation, credit checks and legal support.

Real time updates via a 24hr client portal
Multi award winning service
On-site legal team to provide experienced, expert support
Industry leading tracing systems.

Why choose AYOM Debt Collectors?

Are You Owed Money have a professional, experienced team offering expert advice about collecting your debts. The combination of an experienced collections team, legal support, case handlers and a proven collection strategy brings together a service you can rely on, all this alongside a superior client portal which allows you to track your case from beginning to end.

The client portal lets you see how and when we've contacted your debtors. Using a simple login you can access your case anywhere in the world at any time.