Rachel Watkins

Rachel Watkins


“An expert in debt recovery who works efficiently and effectively. I would have no hesitation in recommending Rachel.”

Senior Legal Counsel at a leading regulatory authority

Rachel specialises in helping companies and individuals recover money owed to them as quickly and cost effectively as possible. She covers the full spectrum of debt recovery methods, from issuing LBAs to enforcement, and regularly advises on both contentious and non-contentious matters.

Clients comment on how good Rachel is at keeping them updated and how easy she is to get along with. They also appreciate her willingness to tell them the truth, even when they would prefer not to hear it. Rachel seeks to develop longstanding relationships with all her clients, speaking with them often and maintaining detailed and organised records of their files.

Rachel’s 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 – she has 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

More testimonials about Rachel:

“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

“Thank you for your help and support to collect my debt. You have helped me throughout the legal process right from tracing the debtor and recovering the monies. The level of service has been professional and second to none, and I would recommend you and FWJ for anyone who needs a debt recovered. Thank you so much.”

A private client Rachel assisted in recovering money loaned to a friend

"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