Categories > Money

Banking, Credit Cards, Investments, Loans,

The 5 Best Debt Collectors in Manchester Homepage

The 5 Best Debt Collectors in Manchester

How we picked

Expertise – You should always look at a debt collector’s experience and background before hiring them.
Portfolio – By looking at their present and previous clientele, you can also gauge if they’re the right one for you.
Customer Service – Debt collecting can be a stressful journey. That’s why an accommodating and reachable debt collector is a must.
Rates – Here, we will examine how much they charge. We will also take a look at their payment methods.

1. Frontline Collections

Frontline Collections Homepage


Debt Collection







Address: Wilsons Business Park Centre, Initial Business Centre 7, Manchester M40 8WN, United Kingdom

Contact Details: +44 333 043 4426

Operating Hours: Monday to Friday: 8:30 AM–6:00 PM

Google Reviews Score 4.8/5
Facebook Reviews Score 5/5
Total Reviews4.9/5
Score Consistency 4/5
Expertise 5/5
Portfolio 5/5
Customer Service3/5


  • Established in 2005
  • Listens carefully to clients
  • Executes plans right away


  • Inconsistent communication
  • Can be dismissive of clients

Frontline Collections is a division of Federal Management. They were established in 2005.

Throughout the years, they have built a relationship with their clients. Some of them shared that the company is meticulous when listening to the problems of their clients.

After that, they will quickly formulate a plan. Once they have secured your approval, they will execute the plan immediately.

Another client was very grateful for the fast service. They could secure a significant amount of money in only a few months.

The same customer shared that the service was stress-free. This is because the agent she was assigned to was communicative.

However, their customer service isn’t consistent, as another shared that the company didn’t provide them updates. Some even went as far as calling them dismissive.

2. Nightfox Investigations & Debt Recovery

Nightfox Investigations & Debt Recovery Homepage


Face-to-Face Debt Collection

High Court Enforcement

International Debt Recovery

Private Investigation

Fiscal Financial Investigation

Interactive Client Portal



Address: Clayton House, 59 Piccadilly, Manchester M1 2AQ, United Kingdom

Contact Details: +44 161 933 7273

Operating Hours: 

Monday to Thursday: 8:00 AM–6:00 PM

Friday: 8:00 AM–1:00 PM

Google Reviews Score 4.7/5
Facebook Reviews Score 5/5
Total Reviews4.8/5
Score Consistency 4/5
Expertise 5/5
Portfolio 5/5
Customer Service4/5


  • Over 75 years of experience
  • Uses technology in their services
  • Fast
  • Professional and empathetic


  • Can be rude
  • Can be unnecessarily intimidating

Nightfox Investigations & Debt Recovery has over 75 years of experience. With this, they have helped countless individuals and corporations collect debts.

Aside from this, they also use technology to execute their services. For example, they have body cameras.

They turn this on when approaching the person who owes you money. This way, you can review the entire interaction later on. 

As for their clients, everyone seems to be happy with their fast service. Some even claimed that they were able to receive a payment within 24 hours.

Others shared that they felt secure because of the professional and empathetic demeanor of the team. 

However, this isn’t true for all staff. There are complaints about their staff members being rude.

Aside from this, they can also be unnecessarily intimidating to the debtors. 

Jack Russell Debt Collection & Legal Process Servers Homepage


Commercial Debt Collection

Personal Debt Collection

International Debt Collectors

Recruitment Agencies Collection


Address: Hovis Mill, Union Rd, Macclesfield SK11 7BF, United Kingdom

Contact Details: Hovis Mill, Union Rd, Macclesfield SK11 7BF, United Kingdom

Operating Hours: Monday to Friday: 9:00 AM–5:30 PM

Google Reviews Score 4.1/5
Facebook Reviews Score 4.3/5
Total Reviews4.2/5
Score Consistency 4/5
Expertise 5/5
Portfolio 5/5
Customer Service4/5


  • No collection, no fee
  • Provide quick quotation and services
  • Offers tracing services


  • Inconsistent pricing
  • Can be unresponsive

One of the most enticing things about Jack Russell Debt Collection & Legal Process Servers is their “no collection, no fee” policy. You don’t need to pay for their services if they fail to collect your funds.

However, if you have a case of disputed debt, you’ll be charged an administration fee. This is because they need to review your case thoroughly.

The funds will be used to collect evidence against the debtor’s dispute. You may get a quick quote through their website.

They’re also swift in providing their services. They can act as soon as one hour after you give your signal.  

Aside from this, they can also trace someone for you for £95. This is used to locate debtors or absconders.

Just keep in mind that there are concerns about inconsistencies in their pricing. On top of this, there are also issues about their unresponsiveness.

4. Phillips & Cohen Associates

Phillips & Cohen Associates Homepage


Deceased Care

Consumer Debt

Debt Settlement

Debt Purchase


Address: Building 5, Floor, 9 Exchange Quay, Manchester M5 3EF, United Kingdom

Contact Details: +44 333 555 1051

Operating Hours: 

Monday to Thursday: 8:00 AM–8:00 PM

Friday: 8:00 AM–5:30 PM

Saturday: 9:00 AM–1:00 PM

Google Reviews Score 2.5/5
Facebook Reviews Score 5/5
Total Reviews3.75/5
Score Consistency 5/5
Expertise 5/5
Portfolio 5/5
Customer Service3/5


  • Founded in 1997
  • Compassionate and helpful
  • Provides timely updates to creditors


  • Can confuse debtors
  • Can send late confirmation of payment to debtors

Phillips & Cohen Associates was founded in 1997. They’re most known for their compassionate financial recovery.

One of their customers shared that they go the extra mile to show their clients that they understand them. As much as possible, they lessen the stress of the clients.

They do this by providing timely updates. Aside from that, they also try to resolve matters as soon as possible.

Another shared that they provided all the necessary information professionally. But they also make sure to say just enough and not be chatty.

However, there are many concerns, especially from the debtors’ side. According to them, the company is unclear when asking for payments. 

This causes confusion and frustration even to those who are willing to pay.

Another downside is there are also reports where they’re slow to send confirmation on the payments that they have already collected.

5. B.C.A. Business Services Ltd.

B.C.A. Business Services Ltd Homepage


Debt Collection

Credit Management Services

Tracing Services


Letter Before Action (LBA)


Address: 4 Harcourt Ave, Urmston, Manchester M41 9NR, United Kingdom

Contact Details: +44 161 283 3432

Google Reviews Score 3/5
Total Reviews3/5
Score Consistency 3/5
Expertise 5/5
Portfolio 5/5
Customer Service4/5


  • No win, no fee
  • Timely and clear communication
  • Free consultation
  • Quick person tracing


  • Slow response time to inquiries from prospective clients
  • Inconsistent pricing

B.C.A. Business Services Ltd. operates on a “no win, no fee” basis. This confidence stems from their years of experience in the field.

According to their clients, they’re very professional. They make sure that their communication is timely and clear.

Aside from this, they can quickly trace debtors. Some have been hiding for months but were quickly located by the team.

Reports have shown they’re slow in responding to prospective clients’ inquiries. However, you need to be patient, as they provide a free consultation.

Another good thing about them is that they can also help with litigation. In case debt collecting doesn’t work and you choose to file a lawsuit, this firm can also help you.

With their connections to lawyers, they can provide everything that you will need during litigation. This includes enforcement, arbitration, and dispute resolution.

Unfortunately, there are concerns from previous clients about inconsistent pricing. It would be best to clarify the scope of the entire service and how it would cost to prevent confusion.  

FAQs about Debt Collectors in Manchester

Related topics