In this episode of Debt Matters, we unpack one of the toughest choices UK finance teams face when invoices go unpaid: do you sit down at the table for mediation or head straight to court? Using Taurus Collections’ guide on mediation versus litigation as our roadmap, we break down how each route works in practice, what it really costs, and how long it typically takes to get money back into your cash flow.

We look at the legal basics around unpaid invoice disputes, from pre-action protocols and Letters Before Action through to what evidence you actually need in place before you escalate. Then we compare the commercial reality of mediation – faster, more confidential and relationship friendly – with the formality of litigation, where you may get a binding judgment but at the price of higher fees, longer timelines and more risk.

Finally, we talk about how to choose the right route for your situation: when protecting a key customer relationship matters more than “winning”, when a hard legal line is unavoidable, and where a specialist collections agency like Taurus can slot in alongside your lawyers to reduce risk and improve recoveries. If you are a business owner, finance director or credit controller dealing with stubborn late payers, this episode will help you pick a smarter path to getting paid.

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