I specialise in helping companies and individuals recover money owed to them as quickly and cost effectively as possible. I cover the full spectrum of debt recovery methods, from issuing LBAs to enforcement, and regularly advise on both contentious and non-contentious matters.

Clients tell me that I am good at keeping them updated, easy to get along with and that they appreciate my willingness to tell them the truth, even when they would prefer not to hear it. I seek to develop longstanding relationships with all my clients, speaking with them often and maintaining detailed and organised records of their files.

My expertise includes helping:

  • banks and financial institutions recover unpaid invoices
  • SMEs, directors and shareholders across various industries with the full range of debt recovery and debt claim defence matters – I have significant experience in assisting law firms, local businesses, debt recovery agencies and credit management companies
  • private clients with regard to money loaned to or from friends and family, personal loans, loans from 3rd parties and the defence of debt recovery claims
  • insolvency practitioners with the collection of book debts

Bank & financial institution highlights:

  • assisting several asset based finance companies with the recovery of their unpaid invoices

SME, director & shareholder highlights:

  • assisting a family law firm recover its unpaid solicitors’ fees, including an outstanding invoice for circa £50k
  • removing CCJs from the company records of several SMEs
  • assisting a credit management company with various debt recovery claims, including obtaining judgments and final charging orders, and negotiating significant monthly repayments on their behalf
  • negotiating a drop-hands settlement for a credit management company which resulted in them not having to pay a £10k counter claim against them

Private client highlights:

  • successfully recovering a large sum of money a grandmother had loaned to her grandson
  • obtaining payment of fines, on behalf of a leading regulatory authority overseas, from a citizen who had fled the country
  • defending a professional individual against a debt claim for services they had allegedly failed to provide
  • negotiating a favourable settlement for a private individual with a friend who owed them a substantial sum of money

Insolvency practitioner highlights:

  • managing the recovery of a law firm’s book debt ledger
  • managing the recovery of several company book debt ledgers

Rachel is an excellent debt recovery lawyer who has a good commercial understanding of client objectives and genuinely cares about getting the right results. Her clients are always looked after.

A barrister with whom Rachel works

Rachel is the ideal choice for helping family law firms recover debts: she’s an expert in debt recovery, well-versed in the nature of family law practices and a pleasure to work with.

Kerry Mordey, Director at Hopkins Law

Rachel guided us through with much patience to a successful conclusion. We would certainly recommend FWJ for the outstanding professional service they provide.

Private client for whom Rachel recovered money loaned to an estranged family member

Rachel Watkins is a lawyer with excellent contract knowledge. She managed to negotiate a contract dispute against us down to a very affordable settlement.

A company director

Rachel Watkins is a very efficient and experienced litigator. She is always a pleasure to deal with.

Frank Ryan, Director – Head of Litigation at Vardags

Rachel has been our go to debt recovery lawyer for almost two years now. She is organised, easy to work with and very effective.

A credit management client

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