Tuntut Hutang Tertunggak
Dengan Sah
Berdaftar dengan Badan Peguam Malaysia • Ditubuhkan pada 2016 • 1,000+ kes dikendalikan
Dapatkan Penilaian Kes Percuma
How We Recover Unpaid Invoices
The Rule & Co team has spent the past ten years helping Malaysian creditors recover unpaid invoices, from single overdue payments to debts spread across dozens of invoices. We start with the quickest, least costly route and escalate only when the debtor leaves no other option.
-
Letter of demand: A formal demand from our firm setting out the amount owed, a deadline for payment and the legal action that follows if it's ignored. For many debtors, this step alone prompts payment.
-
Negotiation & settlement: If your debtor wants to pay but can't settle in full, we structure an instalment agreement protected by post-dated cheques, a default clause and late payment interest.
-
Civil litigation: If the invoice remains unpaid and the amount or circumstances justify it, we file a civil claim in the appropriate court.
-
Enforcement: If a judgement in your favour is obtained, we can further enforce it through seizing and selling the debtor's assets, garnishing their bank accounts, and several other methods.
Time and again, experience has shown that debtors respond differently once a law firm is involved. Reminders ignored for months often get an answer once a letter of demand arrives, because the debtor now knows the next step is court.
Who We Serve
-
suppliers and distributors
-
manufacturers
-
service businesses and agencies
-
consultants and professional firms
-
SMEs owed money by larger clients
-
freelancers
Documents to Establish
Proof of Debt
The stronger your paper trail, the faster an unpaid invoice can be recovered, and the following documents would be of great help for us to assess your case:
-
the invoice and any statement of account
-
purchase orders, quotations or a signed contract
-
delivery orders or proof the work was completed
-
emails or WhatsApp messages where the debtor acknowledges the debt
-
the debtor's correct registered name and number from SSM
Of course, don't worry if you're missing some of these. Get in touch all the same and we can advise on what's needed during your free case assessment.
Our Past Cases
Unpaid invoices are one of the most common issues we help Malaysian businesses with. As our clients have delivered what they were contracted to provide, only to be met with silence or repeated promises of payment, we take great pride in helping them recover what they are owed. Below, we share some of our more significant cases.
1. Threatening Debtor with Imprisonment
Debt value: RM180,000
Total recovery: RM180,000 (100%), paid in one lump sum
Background
Our client, a business owner, was owed RM180,000 for services rendered. Reminders by email and WhatsApp went unanswered, and the debtor ignored every attempt at settlement. The evidence was limited to a quotation and informal WhatsApp messages in which the debtor acknowledged the debt.
While not ideal, it was enough to build a recovery strategy.
Escalation
We issued a notice of demand, which was ignored, and then filed a writ of summons. The debtor failed to enter an appearance or file a defence, and we obtained judgment in default for the full RM180,000.
After several unsuccessful attempts to enforce the debt, we turned to a judgement debtor summons under the Debtors Act 1957. Compelled by the court to attend, the debtor was ordered to pay RM10,000 a month toward the judgment debt. After paying the first instalment, the debtor defaulted again.
Resolution
We filed a committal application asking the court to imprison the debtor for failing to comply with the payment order. Faced with the real prospect of jail, the debtor paid the full RM180,000 in one lump sum, a day before the committal hearing.
2. A Success Based Arrangement
Debt value: RM100,000 across 3 debtors
Total recovery: RM70,000 recovered in full from 2 debtors; remaining RM30,000 filed as a proof of debt
Background
A well-known real estate agency was owed RM100,000 in commissions by three property owners. The commissions were earned through completed sub-sales, but the owners bypassed our client and refused to pay the invoices, despite benefiting from the deals. We acted on a success fee basis, with no upfront legal fees unless we recovered.
Escalation
The first debtor owed RM30,000, outstanding since 2020 with only 1 year left before the 6-year limitation period expired. As a search revealed the owner had been declared bankrupt years earlier, we helped our client file a proof of debt and provided the documentation to claim a tax relief.
The second debtor, owing RM35,000, reacted as soon as we made contact on behalf of the agency. Five missed calls in a row were followed by a message asking which account to pay into, and the debt was settled in full in 48 hours.
The third debtor, also owing RM35,000, ignored our notice of demand and two weeks of follow-ups. We prepared a writ of summons, and one day before it was due to be filed, the debtor sent proof of full payment.
Resolution
Our client recovered RM70,000 without having to go to court and paid legal fees only on the amounts recovered. The one uncollectible debt was properly documented, allowing the agency to close its books on all 3 files.
3. Enforcing a Personal Guarantee
Debt value: RM300,000
Total recovery: RM300,000 (100%), paid the day after our response
Background
A mid-sized tax advisory firm kept losing large fee payments to shell companies with no assets. Once dormant, they were effectively judgment-proof, and their directors simply walked away from the unpaid invoices.
We reviewed and revised the firm's standard terms of engagement, adding a personal guarantee clause that makes the person signing the agreement personally liable if the company fails to pay.
Six months later, the clause was put to the test.
Escalation
A client owed the firm RM300,000, and the company, an RM2 Sdn Bhd, was clearly a shell. Knowing there were no assets to seize, its director told us to go ahead and wind up the company.
Resolution
Instead, we informed the director that we would not be winding up the company, and would be enforcing the personal guarantee against them personally as the signatory. The next day, a cheque for the full RM300,000 arrived.
Kes Terpenting Kami
Soalan Lazim
1. Apakah proses tuntutan hutang Rule & Co? Kami menggunakan kaedah pra-mahkamah dan mahkamah yang sah untuk menuntuta hutang; termasuk notis tuntutan, pengantaraan, rundingan, perjanjian penyelesaian, peningkatan kepada litigasi, prosiding garnishee, penyitaan dan penjualan harta, saman penghutang penghakiman, prosiding kebankrapan/penggulungan. Kami memberi tumpuan kepada kaedah yang paling berkesan dengan kos pendahuluan yang minimum kepada anda.
2. Berapa lamakah proses tuntutan hutang? Tuntutan hutang pra-mahkamah kami biasanya memerlukan sekitar lapan minggu untuk mendapatkan maklum balas daripada penghutang. Jika mereka kekal tidak mengendahkan kami, fail tersebut akan dikembalikan kepada anda tanpa sebarang caj lanjut. Untuk prosiding mahkamah, garis masa berbeza bergantung pada kerumitan kes. Kami akan memberi penilaian realistik sebelum anda memutuskan sama ada untuk meneruskan.
3. Apakah struktur yuran Rule & Co? Kami menggunakan model yuran yang mematuhi peraturan Majlis Peguam dan memastikan kos sejajar dengan nilai tuntutan anda. Untuk sebut harga yang tepat, hubungi kami di WhatsApp untuk penilaian kes percuma. Kami akan terangkan yuran yang dikenakan dan pilihan yang anda ada sebelum anda meneruskan.
4. Apa jumlah hutang minimum untuk lantik Rule & Co? Kami sedia mengambil kes melibatkan hutang serendah RM 5,000.
5. Apakah dokumen yang perlu saya sediakan? Rumusan hutang tertunggak anda menunjukkan jumlah keseluruhan dan butiran penghutang. Kami akan menasihati anda jika dokumentasi yang lebih terperinci diperlukan. Jangan risau jika dokumen tidak lengkap. Kami telah menyelesaikan banyak kes dengan dokumentasi yang terhad!
6. Adakah kaedah tuntutan Rule & Co sah di sisi undang-undang? Ya, kaedah kami adalah 100% sah. Kami adalah firma guaman yang dikawal selia oleh Majlis Peguam Malaysia. Kami bukan 'agensi pengukip hutang.' Semua kaedah kami adalah profesional dan boleh dikuatkuasakan di mahkamah.
7. Adakah saya akan dikemas kini tentang perkembangan kes saya? Ya, anda akan dimaklumkan melalui WhatsApp dengan peguam yang mengendalikan kes anda.
8. Adakah saya perlu membawa penghutang ke mahkamah? Tak semestinya. Kebanyakan kes tuntutan hutang boleh dinilai dengan cepat. Kami akan desak penghutang untuk mengemukakan alasan bertulis, dan jika ia lemah atau jelas taktik penangguhan, kami menanganinya dengan proses pengantaraan. Perbicaraan penuh adalah pilihan terakhir, bukan langkah pertama.
9. Saya dah cuba firma lain tapi tiada hasil. Mengapa Rule & Co. berbeza? Banyak pengutip hutang bergantung sepenuhnya pada panggilan berkali-kali yang mudah diabaikan oleh penghutang kerana tiada akibat. Ada firma membuka kes tanpa menilai peluang tuntutan agar boleh mengecaj kos pendahuluan tanpa perlu risau jika tuntutan akan berjaya. Di Rule & Co, kami fokus pada kaedah tuntutan undang-undang yang paling cepat dan kos efektif untuk setiap kes supaya masa dan wang anda (dan kami!) tidak terbazir.
10. Penghutang ada di negeri atau negara lain, bolehkah Rule & Co kendalikannya? Ya, boleh. Kami telah mengendalikan banyak kes merentas sempadan dan akan membimbing anda tentang cara paling kos efektif untuk meneruskan.
Penilaian Kes PERCUMA
Dapatkan penilaian kes percuma.
Whatsapp kami di +6 010 202 8095
E-mel kami di rudi@rulecolaw.com
Atau isi borang bersebelahan dan kami akan berhubung.