Note: The following is not offered as legal advice and should not be considered as an alternative to legal counsel.
The debt recovery process is a subset of civil litigation and generally comprises three phases.
The first is the profiling of your debtor, such as whether the debtor is an individual or business entity; the amount to be claimed; and the liquidity and cash flow of the debtor which will be relevant to post Judgment enforcement action.
The next phase is obtaining Judgment against the Debtor or engaging in a sustainable settlement process.
The final phase is enforcement proceedings which arises if the debtor defaults on payment. The usual enforcement mechanisms are Writ of Seizure and Sale; Garnishnee proceedings (such as freezing of bank accounts of the debtor to pay the Judgment sums); and/or bankruptcy or winding up actions against the debtor.