Zenith Legal Services Group is a commercial receivables business. We acquire portfolios of defaulted business-to-business debt by assignment and recover those receivables in our own name as legal owner. Our debtors are UK limited companies and the personal guarantors of corporate obligations.
Three components, one model. We buy commercial receivables outright, recover them through structured payment arrangements, and bring in-house forensic capability to both ends of the process.
We acquire portfolios of defaulted commercial receivables by assignment. Typical sources include licensed insolvency practitioners pursuing realisations within the estate, accountants holding aged commercial debtor books, and other commercial assignors seeking certainty over uncertain recoveries. We take legal title outright and pursue recovery as principal.
Recovery is conducted through pre-action correspondence followed by structured payment plans agreed with the debtor. Plans typically run between three and twenty-four months at fixed monthly amounts, taken under continuous payment authority arrangements expressly authorised by the debtor at the point of agreement. Court proceedings are issued in our own name as legal owner where pre-action resolution is not achieved.
Our in-house forensic function supports both ends of the model. At acquisition, it informs portfolio pricing by assessing claim quality and realisable value. At recovery, it identifies assets and supports any litigation that becomes necessary. We work from public records, corporate filings, court data and lawful private sources.
The most economically rational time to recover is before issue. We invest disproportionately in the pre-action phase: in evidence, in correspondence, in agreement. The majority of matters resolve there.
The strength of a position correlates with the quality of the evidence behind it. Our forensic capability is what gives our recovery work credibility on the other side of the table.
We are a commercial receivables business, not a law firm. We pursue claims we own as principal, in our own name. Reserved legal services and FCA-regulated activities sit outside our remit by design.
Inbound portfolio offers and assignor enquiries are reviewed within forty-eight hours of receipt. Debtor correspondence should be directed to the case reference shown on your demand pack.