Know if you’ll get paid before you spend on legal action
Make a fast, informed decision on whether a debt is worth pursuing — using real-time financial and behavioural data.
Includes early warning signals showing how the debtor is currently paying other suppliers — not just historic data.
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What you’ll know in minutes
Before you instruct a solicitor or issue a claim, a Pre-Sue Report answers the three questions that actually decide whether a debt is worth pursuing — so you commit time and legal spend only where there is a realistic prospect of recovery.
Whether the debtor is likely to pay
A clear likelihood signal built from real-time payment behaviour and credit data — not a vague historic score. See how they are settling with other suppliers right now.
- Live payment behaviour
- Current credit position
- Early distress signals
Whether there are assets worth pursuing
Identify what could actually be recovered — including personal guarantors and property interests — so you only chase debts with something behind them.
- Guarantor checks
- Property & Land Registry
- Asset visibility
Whether legal action is commercially worthwhile
Weigh likely cost against realistic recovery with a clear pre-legal recommendation, so you know the commercial reality before you commit a penny.
- Cost vs recovery
- Risk indicators
- Clear recommendation
Every report combines real-time credit intelligence, current payment behaviour and asset visibility into a single, plain-English recommendation — reviewed before it reaches you, so the decision is clear.
Built for everyone deciding whether to pursue a debt
If you're weighing up legal action, Check Before Legal gives you the commercial picture first.
Credit controllers
Decide which overdue accounts to escalate — and which to hold.
Business owners
Protect cashflow by chasing only the debts worth chasing.
Finance teams
Add hard data to write-off vs. pursue decisions.
Solicitors
Advise clients on recovery prospects before issuing proceedings.
From debtor name to decision in three steps
Enter the debtor
Company, sole trader, partnership or individual — plus any guarantors.
We pull the data
Real-time credit, payment behaviour, CCJs, asset and property signals.
Get your recommendation
A clear pre-legal decision in minutes — before you commit a penny.
Stop funding claims that can’t be recovered
Most legal action fails for one reason
It's because there's nothing to recover. Avoid committing legal fees only to find out too late.
Make a call in minutes — not after you’ve spent the money
Real-time data, payment behaviour signals, asset visibility and risk indicators in one place.
Not just what they own — but how they’re behaving right now
See early indications of whether they are paying other suppliers.
Protect your margin. Avoid wasted spend.
Prioritise recoverable debts and avoid throwing good money after bad.
Simple, fast, and cost-effective
Reports from £39.99 + VAT. No subscription required.
All the signals in one place
Not just what they own — but how they're behaving right now.
More than a standard credit check
A normal check tells you what was filed. We tell you what's happening now.
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What our clients say
We stopped chasing debts that were never going to pay. It has already saved us thousands in legal fees we would have wasted.
Being able to see how a debtor is paying other suppliers right now is the difference. It is not just old filed accounts.
Fast, clear and cheap. We run a report before every claim now — it is simply the sensible thing to do.
Simple, fast, and cost-effective
Reports from £39.99 + VAT. No subscription required. Pay only for the reports you need, when you need them.
Individual reports by debit or credit card at the point of order.
Frequently asked
Before you send it to legal — check it first
Make the commercially smart decision before you commit a penny.
Run Your Pre-Sue Report Now