Found cheaper? We match it — see conditions. Incorporation and secretary transfer also carry a 30-day money-back guarantee.
The invoice went out 90 days ago. The money didn't. You've chased it yourself. It's still not here.
A formal demand letter, in writing, before anything more expensive starts.
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further stages you're committed to until you approve the next one
What formal debt recovery actually involves
Four stages, not one lawsuit
DEMAND
A formal demand letter
Lawyer-issued, not a reminder email — usually the first signal a debtor treats as real.
ASSESS
An honest read on the case
What recovering this would actually take, and whether the debtor can actually pay it, before you commit to anything past the letter.
NEGOTIATE
Negotiation and settlement
Most matters end here — a debtor who ignored an invoice often doesn't ignore a lawyer's letter.
ESCALATE
Litigation and enforcement, if it comes to that
Court, then turning a judgment into an actual payment — the last stage, not the plan.
+ most matters resolve after the letter or the negotiation that follows it — litigation is the exception, not the default path
+ each stage is quoted before it starts, so nothing past the letter happens without you approving it first
What is actually left of what you are owed
Before deciding to chase anything, this is the sum worth doing — and some of these lines are ours, which is exactly why they belong on the page:
We would rather you did this sum and decided not to chase than pay us to find out. Below a few thousand ringgit it very often does not clear its own cost.
The clock doesn't wait for you to decide
Handing the matter to someone else doesn't reset it. Whoever pursues the debt — you, a lawyer, anyone — is working against the same window, and it started running from the debt itself, not from whenever you got around to acting on it.
Malaysian law allows only a limited period to bring a civil claim to recover a debt. Once that period lapses, the right to sue over it is generally lost entirely — not just harder to argue, gone.
The one question that decides this
Anyone can write a demand letter. Almost nobody already has the record to write it from.
What the letter is built from
This week, any competent collections lawyer and OCTIS can both send a strong demand letter. The difference is what goes into writing it:
From an unpaid invoice to a lawyer-issued letter
The invoice was already raised and sent from this account
amount, due date, whether it was delivered and viewed
So was every reminder before this one
the chase history — not 'we followed up,' but when, how many times, and what was said
The demand letter is drafted from that record
not reconstructed from your memory of what happened and when
And it escalates from where it already sits
the same matter, not a new file assembled from scratch for a provider who's never seen it
A standalone debt-collection lawyer starts from whatever you can hand them — forwarded emails, a spreadsheet, your memory of when you last chased it. They have no visibility into the invoice or the chase history, because they don't run your invoicing. Only a firm running both already has it on record.
The sum worth doing before you chase it
Before the first letter goes out, this is the sum — every term shown, including the ones a collections pitch usually leaves out:
That's not a discouragement — it's the sum. Below a certain amount owed, from a debtor who genuinely can't pay it, the honest answer is to write it off, and we'll say so at the assessment stage instead of billing you to find that out the hard way.
The window closes, it doesn't just narrow
Inside the window, a legitimate debt can still be enforced through the courts, even once collecting it has gotten harder than it would have been on day one. Past it, the right to sue over it is generally gone entirely — not a weaker case, no case.
What a per-case model can't say
What they do well
A debt-collection agency or a lawyer taken on for one matter can genuinely apply real pressure — a firm letter, a credible threat of court, real procedural know-how.
What their shape can't reach
Many are structured to keep going — another letter, another stage, another fee — because escalating is what the model bills for. Telling a client to stop is the one recommendation that shape doesn't reward.
Ours is quoted one stage at a time, so nothing forces the next one. If the assessment says a matter isn't worth pursuing, saying so costs us nothing — we haven't sold you the stages after it.
What happens at each stage, and when it's priced
Each stage is quoted before it starts. You approve one step at a time — nothing past the letter happens without you saying yes to it first:
Assess
We review the debt and the evidence, and tell you honestly whether it's worth pursuing — including if the answer is no.
Demand
A formal, lawyer-issued letter — quoted on its own, sent once you approve it.
Negotiate or escalate
Most matters settle here. If not, recovery action or litigation is scoped and quoted before it begins.
Recover and record
Payment or settlement terms are logged against the matter — the case doesn't end in a filing cabinet.
The only open-ended stage is the assessment. Everything after it has a number attached before you agree to it.
Who does the work
Licensed lawyers on our panel
The legal work is undertaken by licensed practitioners we work with. OCTIS runs the intake, the records and the process around it — so nothing has to be assembled and re-explained first.
Pricing
Quoted at each stage, before it starts
A demand letter is priced on its own. Recovery action, litigation and enforcement are scoped and quoted separately, only if a matter goes that far.
The 30-day guarantee
Doesn't cover this service
It covers exactly two services — new company incorporation and transfer of company secretary. No legal service is covered, this one included.
What this doesn't remove from you
Your input at negotiation, and at every stage after it
We run the process. Deciding whether to settle or keep going is still a decision you make, with our advice in front of you.
Not covered
- The 30-day money-back guarantee does not cover this or any other legal service — it covers only new company incorporation and transfer of company secretary.
- Court filing fees and other third-party costs, where they apply, are charged directly and are not part of our quote.
- If what's owed is small next to what pursuing it would cost, or the debtor has nothing left to collect even after a judgment, we'll say so at the assessment stage. This isn't a fit for every unpaid invoice, and we won't pursue one just because you're angry enough to want to.
How is this priced if there's no fixed fee on the page?
Because there genuinely isn't one figure that fits every matter. The demand letter is quoted on its own. If it needs to go further, recovery action, litigation and enforcement are each scoped and quoted before that work begins — you approve one stage at a time.
What if pursuing this debt costs more than it's actually worth?
That's exactly what the assessment stage is for. We review the debt and what recovering it would take, and if the honest answer is that it isn't worth pursuing, we tell you that — you haven't paid for anything past the assessment, so saying so costs you nothing.
Is there a deadline on chasing an old debt?
Yes. Malaysian law gives a limited period to bring a civil claim to recover a debt, and once it lapses the right to sue over it is generally lost — not just harder to argue. The exact length depends on the nature of the debt and where it arose; the sooner you check, the more options are still open.
Does the 30-day money-back guarantee apply to this?
No. The guarantee covers exactly two services — new company incorporation and transfer of company secretary. It doesn't extend to any legal service, including debt recovery and dispute resolution.
What happens once the debt is actually recovered?
The outcome, payment and any settlement terms are logged against the matter in your account — closing the loop, rather than living only in an email thread or a lawyer's file you'd have to ask for.
You didn't earn this money twice. You earned it once, and you're still waiting to be paid for it.
Tell us what's owed and what you've already sent. We'll tell you honestly whether it's worth pursuing — before you pay for anything past that.