Persistence Pays | Overcoming Debtor Avoidance Tactics

In debt recovery, persistence often makes the difference between successful enforcement and write-offs. A recent case handled by Shergroup highlights how determination and strategic enforcement techniques can overcome deliberate avoidance tactics. 

The Challenge of Evasion

Debtors frequently employ avoidance strategies to escape their financial responsibilities. In a recent case, Shergroup’s enforcement agents encountered classic evasion behaviors | 

• A debtor who visibly acknowledged an agent’s presence but then pulled down blinds and refused to answer the door
• Multiple unsuccessful visits with no response despite obvious signs of occupancy
• Address changes without forwarding information
• Denial of identity when finally confronted
• Disputing warrant details to create confusion and delay

These tactics are frustratingly common but not insurmountable with the right approach. 

The Breakthrough Moment

After multiple visits and strategic planning, our enforcement agent identified an opportunity when a delivery driver arrived at the property. When the debtor opened the door for the delivery, our agent was able to make contact. 

Even then, the debtor spent two hours attempting to avoid the matter through various tactics. However, our agent’s professional persistence eventually led to a breakthrough – the debtor contacted another party responsible for the debt, resulting in a substantial partial payment of £3,500 and an arrangement for ongoing monthly payments. 

The Value of Comprehensive Investigation

Throughout this case, Shergroup conducted thorough background investigations: 

• Property ownership verification through Land Registry
• DVLA checks on multiple vehicles observed at the property
• Insolvency registers searches
• Social media investigations
• Previous address verification

While these investigations confirmed the debtor did not own the properties in question, they provided critical intelligence that supported our enforcement strategy. 

Key Takeaways

• Tactical persistence is essential | Multiple visits at various times, and strategic approaches eventually yield results.
• Professional documentation | Comprehensive reporting and photographic evidence support the enforcement process.
• Adaptation to avoidance tactics | Experienced agents recognize and counter common evasion techniques.
• Strategic entry opportunities | Identifying moments when debtors must open their doors can create enforcement opportunities.
• Payment negotiation skills | Even in challenging situations, skilled agents can secure meaningful payment arrangements.

Action Plan for Creditors 

If you are dealing with debtors who employ avoidance tactics, Shergroup recommends: 

1. Act with urgency | The longer a debtor avoids enforcement, the harder recovery becomes. Initiate professional enforcement action at the earliest opportunity.
2. Provide all known addresses | Debtors often move between multiple properties. Share all known addresses with your enforcement agent, even older ones.
3. Share vehicle information | Any details about vehicles associated with the debtor can provide valuable enforcement leverage.
4. Consider trace services | For particularly elusive debtors, professional trace services can uncover current contact details and employment information.
5. Be prepared for partial settlements | Sometimes accepting a substantial partial payment with ongoing installments is the most practical path to recovery.
6. Document all interactions | Keep detailed records of all previous communications with the debtor, as these may reveal patterns or information useful to enforcement.
7. Consider multiple enforcement strategies | When debtors are particularly resistant, a combination of approaches may be necessary.

Do not let debtors evade their responsibilities through avoidance tactics. Contact Shergroup today to discuss how our persistent, professional enforcement agents can help you recover what you’re owed. 

Contact Shergroup 

Ready to discuss your enforcement needs? Contact Shergroup today: 

By Phone | 020 3588 4240 
Website    | www.shergroup.com and you can chat to us from here 
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Address: 20 St. Andrews Street, Holborn, London EC4A 3AG 

Our professional team is ready to provide expert guidance on your debt recovery requirements, with solutions tailored to your specific circumstances.