Stephen Cowan is Director of Yuill and Kyle and the author of Scottish Debt Recovery: A Practical Guide, now in its second edition. He is a regular contributor to publications such as Credit Today and Credit Management, and has written the section on Scottish litigation in Croner’s Guide to Credit Management and Tolley’s Effective Credit Control and Debt Recovery Handbook. Stephen lectures extensively on Scottish debt recovery law and credit control issues on behalf of various organisations including CLT Scotland and the Chartered Institute of Credit Management. Stephen was also a tutor at the University of Strathclyde for many years.