Garfield AI

Pricing

Our story
Learn about Garfield and how it came to be
Our customers
See how Garfield has helped our customers get their money back
Features
Everything you need to prevent and recover unpaid invoices
How it works
A step-by-step overview of Garfield’s workflow
Guides
Learn how to avoid and recover unpaid invoices
Blog
Legal news, product updates and insights
Press
Learn about Garfield's press coverage
Help Desk
Get answers to key questions
Tools
Free calculators and tools for small claims

Stop chasing, start recovering.

Stop chasing, start recovering.

Claims up to £10,000. No solicitor needed. Garfield handles the paperwork while you focus on your business. Authorised and regulated by the SRA.

Single claim

1–2 per month

Single claim

For sole traders and small businesses with unpaid invoices

1–2 per month

Batch claims

2–50 per month

Batch claims

For any business that regularly deals with unpaid invoices

2–50 per month

Bulk recovery

50+ per month

Bulk recovery

For businesses with credit control teams and high volumes

50+ per month

BBC
Civil Justice Council
Daily Mail
Financial Times
Forbes
The Economist
Law Gazette
Solicitors Regulation Authority
Channel 4
The Times
Bloomberg
Daily Express
Daily Mirror
Daily Star
BBC
Civil Justice Council
Daily Mail
Financial Times
Forbes
The Economist
Law Gazette
Solicitors Regulation Authority
Channel 4
The Times
Bloomberg
Daily Express
Daily Mirror
Daily Star
Garfield AI

Garfield is the only AI that enables you to recover invoices of up to £10k through the English small claims court.

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FeaturesPricingBlogGuidesToolsPress

Legal

Terms of ServicePrivacyCookie PolicyCookie SettingsAccessibilityLegal & RegulatoryComplaintsOpportunitiesFor Debtors

Resources

SRA - Our RegulatorCitizens AdviceLinkedIn

© 2026 Garfield.Law Ltd. All rights reserved.

Garfield AI gets your invoices paid, in three easy steps:

Step 1

Step 1

Add your invoices to get started

Garfield instantly reads and understands your claim - from invoices, contracts or linked accounting software.

Step 2

Step 2

Garfield handles your legal letters

From polite chasers to handling defences in trial, our AI writes and sends your letters, and keeps you updated.

Step 3

Step 3

Get paid and recover your costs

Garfield pushes for quick, amicable payments - but can escalate through the small claims court as needed.

What our customers say

Robert Hogarth

Co-founder & CEO at SettleIndex

"I uploaded the relevant documents and it produced a perfect claim letter. All that for £9!"

David Bone avatar

David Bone

Finance Director at Mayer Brown

Using Garfield allowed us to successfully recover around £7,000 in outstanding invoices with only a few minutes of work.
Nick Rogers avatar

Nick Rogers

Theatre Director at Hope Street Theatre

The process was all straightforward and the software was easy to use.
Owen King avatar

Owen King

Partner at April King Solicitors

Garfield has been tremendously successful from a time-saving perspective and for receiving full payment on invoices, typically within 24-48 hours.

Alex Monaco

Founder at Grapple

"There's no chasing, there's no nudges, there's no phone calls. I mean it's just instantaneous."

Check your costs before using Garfield and you could recover them if you win

The easier, more affordable way to get your money back

+ you could recover the cost if you win

* Garfield's fees are shown exclusive of VAT. Court fees are exempt from VAT.

* Costs are always in the discretion of the Court. Garfield's fees shown as recoverable are at or below the amounts the Court permits recovery of under CPR Part 45.

Calculate how much you could recover

Stage 2

Letter Before Action

Demand payment in a formal letter before action.

Claim of up to £500

The amount of money owed to you

Total cost

£9.50

Net cost

£9.50

Recovered if you win

£490.50

Polite chaser
OPTIONAL

Polite chaser

Generate a letter that politely asks the debtor to pay the debt

Garfield Fee

£7.50

Letter Before Action

Letter Before Action

80% of claims end here

Generate a formal letter before action that is compliant with the County Court's official debt protocol.

Garfield Fee

£7.50

Claim Form

Claim Form

5% of claims end here

Generate a Claim Form and Particulars of Claim that comply with the Court rules, and let Garfield send them to Court for you.

Garfield Fee

£7.50

Default Judgment

Default Judgment

10% of claims end here

If the claim is ignored by the debtor, generate an application for default judgment and let Garfield send it to Court for you.

Garfield Fee

£7.50

Admission

Admission

3% of claims end here

If the debtor admits the claim, Garfield will help you deal with the Admission and apply for judgment for you.

Garfield Fee

£7.50

Defended claim

Defended claim

2% of claims end here

If the claim is defended, Garfield will help you respond to the Defence and help you through the stages of a small claim to trial.

Garfield Fee

£7.50

Click to collapse

Scales effortlessly for bulk users and enterprise clients.

Link your accounting software

Link your accounting software

Seamlessly connect your existing accounting systems to automatically identify and pursue outstanding debts. Garfield integrates with leading accounting software, transforming unpaid invoices into recovered revenue through automated legal proceedings.

See it in action
Collaborate with your team

Collaborate with your team

Empower your entire team to drive revenue recovery. Grant access to finance, legal, and operations staff with role-based permissions. Track claims, share insights, and make decisions together while Garfield automates the complex legal work of debt recovery.

See it in action
Handle high volume of claims

Handle high volume of claims

Turn your backlog of unpaid invoices into a systematic recovery pipeline. Garfield processes high volumes of claims with the same precision as a single case.

See it in action

Syncs automatically with your accounting software

Xero
Sage
Quickbooks
FreeAgent

20× faster, 10× cheaper

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Why chase small debts manually? Save time and money with Garfield

Feature comparison table showing Garfield AI offers all 7 key features including legal expertise, accounting software integration, bulk claims, 5-minute documents, faster recovery, low fees starting at £7.50, and 7-day availability. Traditional lawyers offer legal expertise but at hundreds of pounds per hour with days-long waits. DIY is free but requires significant time investment and legal knowledge.
Garfield AI dashboard showing streamlined debt recovery: 5-minute documents, £7.50 starting price, 7-day availability
Traditional solicitor debt recovery: days for documents, hundreds of pounds per hour, business hours only
Self-managed debt recovery: variable time investment, no professional legal expertise required
Feature
With Garfield AI
With a lawyerBy yourself
Legal expertiseYesLegal expertiseYesNo
Connect accounting softwareYesConnect accounting softwareNoNo
Bulk create claimsYesBulk create claimsNoNo
5 minutes per documentYes5 minutes per documentWait days for documentsAt your own pace
Recover money fasterYesRecover money fasterNoNo
Low feesYesLow feesHundreds of £ per hourPay with your own time
Available 7 days a weekYesAvailable 7 days a weekNoYes

Frequently Asked Questions

Everything you need to know about using Garfield to recover what you're owed.

Get fast answers to the most common questions about small claims, unpaid invoices, and how our AI legal tool helps you recover what you're owed.

Have a different question?

Law through an AI lens

Relevant news about Garfield, AI developments and the legal profession.

House of Lords building representing Constitution Committee report on rule of law featuring Garfield AI

November 2025

Garfield AI Highlighted in House of Lords Constitution Committee Report on the Rule of Law

Cambridge University Faculty of Law building representing AI and legal profession panel discussion

November 2025

Garfield AI CEO Joins Cambridge University Panel on AI and the Future of the Legal Profession

Podcast microphone representing Law Firm Founder Conversations featuring Garfield AI CEO Philip Young

October 2025

Garfield AI Founder Philip Young Featured on Law Firm Founder Conversations Podcast

London School of Economics building representing Future of Law masterclass series on AI in legal practice

October 2025

Garfield AI CTO Joins LSE Future of Law Masterclass on AI Transformation

Garfield AI demonstrates affordable, professional-quality legal services on Channel 4 Dispatches

October 2025

Garfield AI Shows How AI Legal Services Can Democratise Access to Justice on Channel 4 Dispatches

Machinery Market features Garfield AI supporting JLR suppliers

October 2025

Garfield AI Featured in Machinery Market as Part of Support for JLR Suppliers

Ready to recover your money?