Owed To Joy

About Owed To Joy

---

Invoice recovery for freelancers and creative agencies. No win, no fee. We negotiate. You get paid.

Owed to Joy helps UK freelancers and small creative agencies recover unpaid invoices - without the awkwardness, the confrontation, or the lost relationships. We act as your professional negotiator on a no win, no fee basis. Most cases resolved within 30 days.

Owed to Joy is a UK invoice recovery service for freelancers, designers, photographers, copywriters, and small creative agencies owed money by business clients.

We act as your professional negotiator - not a debt collection agency. We contact your client on your behalf, calmly and professionally, with the goal of recovering what you're owed while preserving the working relationship wherever possible.

We work on a no win, no fee basis. Our fee is 18% of what is recovered - you pay nothing if we're unsuccessful. No upfront costs. No legal jargon.

Under the Late Payment of Commercial Debts Act, you may also be entitled to statutory interest and fixed compensation on top of your original invoice. Most clients discover they are owed more than they realised.

We work on B2B invoices between £1,000 and £25,000 and above, UK-wide.