Overview
Get paid faster — automated credit control and debt recovery for Xero.
Garfield is the first AI law firm regulated by the Solicitors Regulation Authority (SRA), built to help UK small businesses, sole traders, accountants and finance teams take control of accounts receivable and recover unpaid invoices. Connect your Xero account and Garfield automatically reads your overdue invoices and the contact details it needs — turning a backlog of late payments and manual debtor tracking into a structured, automated recovery process.
From there, Garfield does the legal legwork that ordinary credit control and payment-reminder tools can't. It drafts and sends everything from a polite payment reminder to a formal letter before action, and if the debtor still won't pay, it can issue and manage a claim of up to £10,000 through the small claims court of England & Wales — including a county court judgment (CCJ) via Money Claim Online — and handle a defence through to trial. You're kept informed at every stage while Garfield handles the paperwork.
Why businesses choose Garfield:
- Automated credit control and collections that escalate all the way to court — not just reminders
- Recover invoices up to £10,000 without hiring a solicitor or a debt collection agency
- Fees from just £2 for a chaser and £7.50 for a letter before action (excl. VAT) — recoverable from the debtor, with statutory interest under the Late Payment of Commercial Debts Act, if you win
- Documents ready in minutes, available 7 days a week
- Bulk-create claims to clear an aged debtor backlog and reduce DSO, with role-based access for finance, legal and operations teams
- Around 20× faster and 10× cheaper than a traditional law firm
Garfield is the first to win a contested court trial with an SRA-regulated AI lawyer, and has been featured by the Financial Times, Forbes, BBC, The Economist and The Times, as well as cited in a House of Lords Constitution Committee report.
Available to businesses operating in England & Wales. Start free, connect Xero in a few clicks, and turn overdue invoices into recovered cash flow.
Garfield + Xero
How Garfield works with Xero
Garfield connects securely to your Xero account so you can recover unpaid invoices without exporting data or re-keying anything. Once connected, Garfield reads your outstanding and overdue invoices and the associated customer details, then helps you turn them into formal debt-recovery action — from a first chaser through to a small claims court claim of up to £10,000 in England & Wales.
What you can do once Xero is connected:
- See your overdue Xero invoices in Garfield and select which ones to pursue
- Start recovery on a single invoice, or bulk-select multiple invoices to clear a backlog
- Let Garfield draft and send the right legal correspondence at each stage, using the invoice and contact data pulled from Xero
- Track the status of every claim in one place, with role-based access for your finance, legal and operations teams
Data Garfield reads from Xero:
- Invoices — including amounts, due dates and outstanding balances, to identify recoverable debts
- Contacts — the debtor's name and contact details needed to address correspondence and court documents
Connecting your account
You authorise the connection through Xero's secure sign-in, and you can disconnect at any time from within Xero or Garfield. Garfield only accesses the information needed to identify and pursue outstanding invoices, and your data is handled in line with our privacy policy and SRA regulatory obligations.
Garfield is available to businesses operating in England & Wales.
Pricing plans
Pay as you go
- Chaser £2.00 (one-off purchase)
- Letter before action £7.50 (one-off purchase)
- File court claims from £50.00 (one-off purchase)
- Reply to debtor response £5.00 (one-off purchase)
- Automated credit control with legal escalation
- Recover unpaid invoices up to £10,000 via small claims
- AI drafts and sends every letter, from chaser to court
- Court-stage fees recoverable from the debtor if you win
- Bulk-create claims with role-based access for your team
- Documents ready in minutes, available 24/7
- All Garfield fees are shown excluding VAT
Getting started
Getting started with Garfield
Getting up and running takes just a few minutes. You don't need any legal knowledge — Garfield guides you through each step.
1. Create your free Garfield account Click "Get this app" and sign up for free. There's no upfront cost to get started, and you only pay a small fee when you choose to send correspondence — from £2 for a chaser or £7.50 for a letter before action (excl. VAT), both recoverable from the debtor if you win.
2. Connect your Xero account Authorise the connection through Xero's secure sign-in. Garfield will then read your outstanding and overdue invoices, along with the customer details needed to pursue them. You can disconnect at any time.
3. Choose the invoices you want to recover Review your overdue invoices in Garfield and select which ones to pursue. Recover a single invoice, or bulk-select several at once to clear a backlog. Garfield reads and understands each claim automatically.
4. Let Garfield handle the legal work Garfield drafts the right correspondence for each stage — starting with a polite chaser, escalating to a formal letter before action, and, if needed, issuing a claim of up to £10,000 through the small claims court of England & Wales. It can even handle a defence through to trial. You're kept informed at every step.
5. Get paid and recover your costs Most claims are resolved after an early chaser or letter. When the debtor pays, the money goes to you — and if your case succeeds, the court can order the debtor to reimburse your recoverable costs.
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