Not every debt is worth pursuing through the courts. Our Propensity to Pay (P2P) scoring service analyses multiple data points to assess the realistic likelihood that a debtor will be able to satisfy a judgment — helping you prioritise your recovery portfolio and allocate resources where they'll deliver the best return.
The P2P score combines property ownership data, employment indicators, CCJ history, insolvency records, and credit behaviour patterns to generate an evidence-based assessment of a debtor's ability and willingness to pay.
This intelligence allows creditors, solicitors, and debt recovery professionals to make informed decisions — pursuing litigation where the prospects are strong, and exploring alternative strategies where they're not.