Revolutionizing Debt Collection

On this episode of The Geek in Review, we welcome Philip Young, co-founder and CEO of Garfield AI, the first AI-powered law firm approved for practice by the UK’s Solicitors Regulation Authority (SRA). The episode kicks off with a discussion of recent stories that explore AI’s evolving role in legal proceedings, such as avatars testifying in court and the ethical challenges that arise when deepfakes and synthetic personas enter the legal process. Philip, a seasoned litigator and technologist, draws from his 25 years of legal experience to weigh in on the potential and perils of AI-driven courtrooms, emphasizing the importance of authenticity and trust in legal proceedings.

Young shares the backstory behind Garfield AI, which was inspired by a real-world problem faced by his brother-in-law, a plumber who struggled to recover small debts from non-paying clients. Seeing an opportunity to help small businesses navigate the small claims process efficiently, affordably, and with minimal friction, Philip set out to build a system that mirrors what a traditional law firm would do—without the high cost or time burden. Garfield reads invoices and contracts, verifies the legitimacy of claims, guides users through pre-action letters, claim filings, and even court preparation, all while remaining compliant with UK legal standards.

One of the most unique features of Garfield AI is its dual design: it serves both pro se claimants and can be white-labeled for use by traditional law firms. Young explains how legal professionals can integrate Garfield into their workflows, using it to generate documents under their own branding while Garfield handles the backend. This hybrid approach provides flexibility for users, whether they prefer a self-service platform or seek a human-in-the-loop experience. Garfield’s early success has sparked interest across the legal spectrum—from solo practitioners to regulatory bodies—demonstrating that AI can support, rather than displace, the legal profession.

The conversation also delves into Garfield’s journey to regulatory approval. Young describes the rigorous process of working with the SRA, ensuring the platform aligned with legal duties to clients and the courts. He highlights the importance of maintaining accountability and explains how Garfield was rolled out cautiously, with layers of human oversight and a roadmap toward data-driven, risk-based review. With increasing inquiries from international regulators and courts, Young sees the platform as a potential blueprint for improving access to justice beyond the UK, although he notes that success depends on a supportive regulatory environment, judicial openness, and sufficient technological infrastructure.

Beyond the tech, the episode emphasizes the human element of law. Young passionately advocates for AI as a tool that enhances legal practice rather than replaces it—freeing lawyers from mundane tasks and enabling them to focus on strategy, advocacy, and client care. He shares his hope that Garfield AI and similar innovations will close the access-to-justice gap by enabling small-value claims to be pursued cost-effectively and fairly. As he notes, AI may never replace the human lawyer’s emotional intelligence and presence in court, but it can certainly help more people get there.

To learn more about Garfield AI and its innovative approach to legal automation, listeners can visit www.garfield.law. This episode is a must-listen for anyone interested in the intersection of law, technology, and the future of justice.

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[Special Thanks to ⁠Legal Technology Hub⁠ for their sponsoring this episode.]

Blue Sky: ⁠⁠@geeklawblog.com⁠⁠ ⁠⁠@marlgeb⁠⁠
⁠⁠⁠⁠⁠Email: geekinreviewpodcast@gmail.com
Music: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jerry David DeCicca⁠⁠⁠⁠⁠⁠⁠⁠⁠