The following steps are usually taken in this process: 

Letter of Demand

A letter is sent to the debtor setting out specific details of the debt and requesting payment by a certain date – letter will note that legal processes will follow if there is no payment by the specific date.

Suing

Should the debtor fail to conform to the terms of the letter of demand then the next step is usually a Statement of Claim which is completed and lodged with the relevant Court.

Response to Statement of Claim

Debtor may make contact to make arrangements to reduce the debt by instalments; or the debtor may not make contact in which case Judgement may be obtained against the debtor; or the debtor may dispute the claim.

Judgment

The relevant Court have various options available such as selling up real estate, summons, garnishee order, bankruptcy, seizing goods belonging to the debtor.