The $1 Million Debt That Payfor Recovered When Everyone Else Had Given Up
Jun 04, 2025
In early 2023, a global technology firm based in the UK completed a large-scale cybersecurity infrastructure project for a fast-growing fintech company headquartered in California, USA. The work spanned several months, covering design, hardware provision, and on-site deployment. This deal is backed by a multi-year maintenance agreement. The total value of the contract exceeded $1 million.
Despite successful delivery and formal sign-off, the invoice remained unpaid. Weeks turned into months. The supplier sent reminders, escalated internally, and even instructed a solicitor to issue a formal demand. Still no response that led to results.
Mixed Signals and Delayed Tactics
Initially, the debtor cited “internal restructuring” as the reason for delayed payment. This was followed by a range of shifting explanations. Responses were about missing documentation to pending revisions of service scope, none of which were stipulated in the original agreement.
As the debtor became increasingly evasive, the supplier began to suspect deliberate avoidance. But they were also cautious and keen to avoid reputational damage or triggering a legal battle that could spiral in cost. That's when they approached Payfor.
How Payfor Approached the Situation
Our work began with a thorough analysis of the contract, which was governed by UK law. The terms were favourable to the tech firm, deliverables had been signed off, and the client was clearly in breach.
Analyse
We quickly identified the debtor’s weak points especially the fact that interest on late payment was accruing daily and the supplier had strong legal standing. We also looked at the broader commercial environment and discovered that the debtor was preparing for a new funding round.
Then it was time to act.
Pursue
With this insight, we launched our 30-day Chase Campaign, a structured, strategic outreach involving a formal introductory email, followed by daily phone contact. We gradually elevated the conversation, moving beyond Accounts Payable to engage senior leadership, including legal and operations decision-makers.
By the end of week two, the silence finally broke.
Recover
What followed was a re-engagement by the debtor, who was now facing commercial and reputational pressure. Within ten days, they proposed a payment schedule. We negotiated on our client’s behalf to secure a full and final settlement including accrued interest within a two-week period.
All funds were recovered. No court proceedings required.
Why It Worked
We often hear from clients who’ve done all the right things like formal notices, escalating emails, even legal threats but still without any progress. The difference with Payfor is our strategic blend of legal awareness, debtor psychology, and professional persistence.
This case was no different. Where lawyers had failed to create traction and finance teams had hit a wall, our structured approach created a pathway to resolution. The client didn’t need to burn bridges or budget trying to enforce their rights. We did it for them.
Take the Stress Out of Debt Recovery
If you’re struggling to collect a high-value debt especially across borders, we can help. Our 30-day Chase Campaign starts with expert-led outreach typically a formal email and daily calls by experienced recovery agents who know how to break silence without creating hostility. Should the debtor remain unresponsive, we’re prepared to support you through legal action with confidence and care.
Because getting paid shouldn't be the hardest part of doing business. Contact us today!
Disclaimer:
This blog post is intended for informational purposes only and should not be construed as legal advice. The information provided in this post is based on general principles and may not apply to specific legal situations. Laws and regulations vary by jurisdiction and can change over time. Readers are advised to seek professional legal counsel before making any decisions based on the information provided in this blog post. Payfor Ltd is not a law firm and does not provide legal services. The company disclaims any liability for actions taken based on the contents of this blog post.
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