Helping businesses recover what they’re owed—quickly, ethically, and with the legal expertise to support long-term success.
At HC Debt Recovery, our mission is to deliver professional, ethical, and highly effective debt collection services that safeguard our clients’ cash flow and strengthen their financial stability. With more than two decades of legal and commercial experience, we support businesses across the UK and internationally in recovering overdue payments—whether through strategic negotiation, AI-driven insight, or legal enforcement where required.
We understand the impact that unpaid invoices and delayed settlements can have on business operations. That’s why we’ve built a debt collection model that balances assertive recovery with professional integrity. Every case is handled with discretion, legal compliance, and a commitment to preserving client relationships wherever possible.
From high-value commercial debt to global enforcement support, our solutions are tailored, transparent, and digitally enabled. We operate as an extension of your team, giving you the confidence to focus on growth while we protect your revenue.
We treat every case with honesty, transparency, and full compliance—earning trust through consistent professionalism. We do not cut corners, overpromise, or pressure debtors beyond the bounds of ethical engagement. Our reputation is built on doing the right thing—every time.
We recover debts efficiently while preserving your customer relationships whenever possible. Our agents are trained in respectful communication and guided by a code of conduct that protects your brand image as well as your bottom line. We believe debt recovery doesn’t have to compromise dignity.
Every action we take is underpinned by legal knowledge and compliance, ensuring our clients are protected and supported. From pre-action protocols to court enforcement, we apply the correct procedures with meticulous attention to regulation, so you can have peace of mind every step of the way.
We use AI analytics and digital engagement tools to recover debts faster and with greater accuracy. By embracing technology, we’re able to prioritise high-risk accounts, track response patterns, and offer flexible payment solutions that improve outcomes for our clients—and their customers.
Mark Masiak is the founder and Managing Director of HC Debt Recovery, and an Amazon best-selling author. With more than 20 years of commercial and legal experience, he launched the company to help small and mid-sized businesses overcome cash flow issues caused by late payments. Mark’s goal was to build a service that could deliver not only fast and effective debt recovery, but also maintain the professionalism and integrity that clients value.
Michael Morgan brings over 15 years of experience in financial compliance and mediation. With a strong background in both commercial and consumer collections, Michael ensures every case is managed within the highest legal and ethical standards. He plays a key role in aligning our practices with the evolving UK regulatory landscape, supporting clients with risk mitigation, dispute handling, and legally sound debt enforcement strategies.
James Patel leads case strategy and combines detailed analysis with hands-on communication at HC Debt Recovery, managing complex and high-value debt cases with precision and professionalism. James has a strong background in commercial finance credit control and dispute resolution, James works closely with clients to understand the nuances of each debt scenario and devise the most effective route to recovery.
Paul Green serves as HC Debt Recovery’s In-House Counsel, providing expert legal oversight for all recovery activities and client strategies. With a demonstrated history in the legal services industry, Paul specialises in insolvency, dispute resolution, commercial litigation, and bankruptcy law. His extensive legal knowledge ensures that all actions taken by HC Debt Recovery remain compliant, enforceable, and strategically aligned with the latest legal developments.
Max Bromell brings a strong analytical and relationship-focused approach to his role as Lead Recovery Specialist at HC Debt Recovery. With a foundation in account management and collections operations, Max is known for his attention to detail, persistence, and ability to build constructive dialogue with both clients and debtors. He specialises in handling complex accounts, including those involving sensitive disputes or escalations, and has a particular focus on ensuring payment arrangements remain fair and sustainable.
Alice Carter plays a vital role in ensuring client satisfaction across every stage of the recovery process. With a background in high-value account management and customer relationship development, Alice brings a client-first approach to debt collection. She oversees communication between clients and the recovery team, providing clear updates, strategic insights, and ongoing support. Her ability to translate complex case developments into transparent, actionable information ensures clients always feel informed and in control.