If you owe someone money, they may seek to recover it by filing a claim against you. You will want to speak with your creditor in the hope of agreeing a repayment or settlement plan outside of court. Before anything can go to court, Pre-Action Protocols state that the creditor and the debtor must attempt to resolve the issue by exchanging the documents and information relevant to the dispute. Avoiding litigation could help to maintain the commercial relationship and make it possible to still do business with the claimant in the future. You may also look to try private mediation and let a mediator help you towards a settlement.

Your creditor may send you a Letter Before Claim (also known as a Letter Before Action, or a Default Notice), informing you that they may bring court proceedings against you. If you are served, you must respond by the date the claimant has specified in their letter.

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