Establish the documented entitlement
Review the underlying claim, the recorded chain of transfers and the identification of the current claimant.
Debt Purchasers & NPL Investors
Acquired claims.A sound basis for recovery.
Legal work on purchased debt starts by connecting the original claim, the chain of transfers and the current balance. We review the available records and identify the questions that need to be resolved before further recovery action.
Discuss an acquired portfolio or claimPreparing the legal review
The claim and its history.
We agree the scope and an appropriate transfer method with you. A general overview is enough for the first conversation.
Records for the agreed review
Underlying claim records
Agreement, account information and documents showing how the claim arose and developed.
Transfer and identification records
Relevant assignment documents and a clear link to the individual claim.
Current case position
Payments, arrangements, objections, existing titles and previous enforcement activity.
Typical starting points
Face value alone
does not establish the legal position.
The transfer records have gaps
Data identifies a new owner, but assignment documents or the link to an individual claim are incomplete.
Different records show different positions
Acquisition data, subsequent payments and earlier arrangements do not readily reconcile. The amount pursued needs a substantiated calculation.
The portfolio contains distinct legal positions
Existing titles, claims without a title, disputed debts and differing evidence require legal consideration suited to each position.
The legal work
Establish entitlement.
Prioritise further work.
Assess readiness for legal action
Consider evidence, payments, objections, set-off, limitation issues and existing titles within the agreed scope.
Set priorities for further work
Develop case-specific options for out-of-court and court action, considering legal obstacles and the anticipated work involved.
Working together & reporting
Supported facts.
Open questions. Next steps.
The engagement first defines the positions and documents to be reviewed. Findings distinguish supported information from missing evidence and unresolved legal questions. Further investigation and action can then be considered. Agreed reporting can address documentation gaps, procedural progress, decisions required and the basis for prioritising work.
Legal lead: Dr Christopher Peinemann, LL.M. (Durham), Rechtsanwalt / German lawyer.
Before instructing the Desk
Two questions to begin with.
Does this replace a commercial portfolio valuation?
No. A legal review addresses the agreed legal and documentation questions. It is not a purchase-price valuation or a forecast of collections, and it does not guarantee a recovery rate.
Can an existing enforceable title be used immediately?
This depends on matters including the title, succession to the claim and procedural history. The applicable requirements and supporting documents need to be reviewed in the individual case.
The next step
Discuss an acquired portfolio or claim.
Outline the records and your central question.
Prepare a conversationContact the Desk directly