Overview
Garfield AI is a regulated legal service for recovering unpaid business debts in England and Wales. Its online litigation assistant prepares correspondence and supports small-claims proceedings, with client approval and solicitor accountability built into the model.
What Garfield AI does
Garfield reads the invoices, contracts and other records behind an unpaid debt, then prepares the correspondence needed to pursue it. The service can begin with a payment reminder or letter before action and progress to the small-claims process if the debt remains unresolved. Its current scope covers claims up to £10,000.
Businesses can upload documents or connect relevant accounting information. The workflow keeps the creditor informed as the matter moves through letters, responses and court paperwork. Garfield also provides an enforcement route for an existing judgment, rather than requiring the customer to start the claim again.
The service is intended for sole traders, smaller businesses and other organizations dealing with unpaid invoices. The SRA’s authorization announcement explains that Garfield acts with client approval and supervision; regulated solicitors remain accountable for the service. Its focus is debt recovery, rather than general-purpose legal advice.
Differentiation
A defined debt-recovery workflow
Garfield centers on unpaid invoices and English small-claims proceedings, with document preparation priced by stage. That is a narrower engagement than a general business-law retainer.
AI delivered through a regulated firm
The service takes users through claim documents and procedural steps. Its operating model differs from buying a general legal drafting tool for a solicitor to run.
Pricing
Document preparation fees in GBP, excluding VAT. Court fees are separate. Published price chart dated October 12, 2026.
- Polite chaser
- £2
- Preparation of the initial payment reminder.
- Letter before action
- £7.50
- Preparation of the formal pre-action letter.
- Claim form and particulars
- £50–£100
- Garfield’s preparation fee depends on claim value, up to £10,000; court issue fees are additional.
- Defence and reply documents
- £5–£400
- Preparation fees vary by claim value and the document required.
Track record
The SRA register identifies Garfield.Law Limited, trading as Garfield and Garfield AI, under authorization number 8010904. The regulator’s May 2025 announcement describes the client-approval and supervision arrangements.
Company details
- Headquarters
- Royal Tunbridge Wells, England
Founders & leadership
