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Collect & Recover Debts Legally

Malaysian Bar registered Law Firm • Established 2016 • 3,000+ debt matters handled.

Get a Free Case Assessment

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Trusted by Businesses Nationwide

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Our Debt Recovery Services

Unpaid Invoice Recovery

Overdue invoices from as little as RM 5,000, handled with fees that make sense for the size of the claim.

B2B Debt Collection

Discreet, professional recovery between businesses that protects your reputation and, where possible, the commercial relationship.

Pre-Court Debt Recovery

Letters of demand, negotiation and mediation backed by legal consequences. Most matters settle here, quickly and privately, without going to court.

Construction Debt Disputes

Recovering unpaid progress claims, retention sums and variation works for contractors, subcontractors and suppliers, including pre-CIPAA claims.

Debt Settlement Agreements

Structured repayment plans and binding settlement agreements that can be enforced in court if the debtor defaults.

Debt Litigation

When a debtor will not pay, we file and run your claim in court, from writ and summary judgment through to enforcement of the judgment.

A Decade of Recovering Debts Legally

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1. Legal Debt Collection Specialist

We handle individual and business debt, unpaid invoices, construction claims (pre-CIPAA), commissions, professional fees, personal guarantees, rental arrears and more. 

2. Bar Registered Law Firm

We recover debts the right way - lawfully and professionally. No harassment. No intimidation. No reputational risk.

3. Transparent & Cost-Effective Fees

Our fees are proportionate to the value and complexity of your claim; and with minimal upfront cost, so recovery always remains economically sensible.

Debt Recovery in Practice

Debt Collector Backfiring

How we recovered RM 150,000 for a Client who got into trouble after engaging gray-area debt collection services.

Garnishee Order

How an ex-parte Garnishee Order was strategically used to swiftly extract RM 350,000 from a debtor's bank accounts.

Multi-Strategy Enforcement

How it took us four years and nearly every legal enforcement method to recover RM 17 million from a govt-linked koperasi.

Targeting Company Officer

When an overlooked Personal Guarantee clause triggered a full recovery from a RM 2 shell company.

Compulsory Winding-Up

How a winding-up threat secured a full RM2 million recovery against a contractor who ignored multiple reminders.

Committal Proceedings

The story of a debtor who finally settled when he was faced with jailtime of up to 6 weeks under the Debtors' Act 1957.

Success-Based Fee

How we worked on a success fee basis in recovering three long outstanding debts for a real estate agency.

Writ of Posession

How we helped a landlord legally evicting a tenant who had not paid rent for many months yet refused to move out.

Free Creditor Tools

Late Payment Interest Calculator

Work out the interest owed on an overdue invoice based on rate and number of days late.

Letter of Demand Email Generator

Create a firm, professional demand email to send your debtor, ready to copy and send.

LAD Calculator for Contractors

Calculate Liquidated Ascertained Damages for late completion of construction projects.

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Collection Agency vs Recovery Lawyer

Both debt collection agencies and debt recovery lawyers help creditors recover unpaid debts, but lawyers are regulated by the Malaysian Bar, bound by professional conduct rules, and able to manage the entire recovery process and escalate to court proceedings when necessary. This gives creditors a single point of accountability and a smoother path if a matter escalates.

1. What is the process for debt recovery / collection?

We handle individual and business debt, unpaid invoices, construction claims (pre-CIPAA), commissions, professional fees, personal guarantees, rental arrears and more. 

2. How long does the debt recovery process take?

For our pre-court recovery service, we usually require around 8 weeks to obtain a response from the debtor. If they remain completely unresponsive, we return the file to you with no further charges.

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For court proceedings, timelines vary depending on the complexity of your matter. We'll give you a realistic assessment before you decide whether to proceed.

3. How are your fees structured?

Our fee structures are compliant with Bar Council rules. We work on cost-effective fee models designed to keep costs proportionate to your results. For an accurate quotation, reach out to us on WhatsApp for a free case assessment. We'll explain clearly what fees apply and what options you have before you commit.

4. Is there a minimum debt amount?

We are able to take on cases involving debts as low as RM 5,000. 

5. What documents do I need to prepare?

We can start with as little as a summary of your outstanding debt (showing total claim sum) and the debtor's contact details. We will advise you if more detailed documentation is required.

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Don't worry if your documents are incomplete. We've resolved numerous cases even with limited paperwork. Every claim is worth assessing — don't write off your debt just because you lack a formal contract.

6.Are your recovery methods legal?

Absolutely. We are a law firm regulated by the Malaysian Bar Council. We are not a “debt collector agency.” All our methods are legal, professional, and enforceable in court. Our focus is always on protecting your rights — while safeguarding your business reputation.

7. Will I be updated on my case progress?

We will provide you with all important updates via direct WhatsApp communication with the lawyer in charge of your case. We pride ourselves on our responsiveness and diligent case follow-ups.

Our Guides

Unpaid Invoices.
Ignored Reminders.
Silent Debtors.

Start Recovery Today

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Free Case Assessment

Fill in the adjacent form and we'll get in touch to assess your case, free of charge, and advise you on recovery probability and the best next steps.

Thanks for submitting!

Whatsapp: +6 010 202 8095

LG1-2, Seri Gembira Avenue, No. 6, Jalan Senang Ria,

Kuchai Lama, 58200 Kuala Lumpur, Malaysia.

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(c) 2020 Rule & Co. Advocates & Solicitors

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