Unpaid receivables? Our specialist knows how to turn your outstanding invoices into liquidity and takes over the communication with your debtors. You can take care of your core business.
We will collect your receivables even sooner. Your customers will pay sooner. The money currently still withheld by delayed payers will be available to you in the future. Which will improve your liquidity and prevent losses.
Although you have done your work conscientiously, payments fail to be made. You neither have time nor feel like running after your money? Well, then simply leave that to Creditreform!
Our friendly, but firm specialists in the field of debt collection make sure that your customers pay and remain customers. Untoward emotions are outsourced, which enables you to leave a professional impression.
We take charge of amicable, legal, and judicial debt collection services as well as the realisation of certificates of loss. Our members benefit from special rates. As an exclusive service for members, Creditreform also offers a debt collection insurance.
After invoicing, having sent the customer a demand for payment and a last reminder, you will try to reach the customer by phone one last time. If the payment still fails to be effected, you will then transmit the case to Creditreform and thus activate our debt collection proceedings. You will also give your consent to the next step.
We will identify your debtor unequivocally, check their solvency/creditworthiness and request them to pay. Within this context, we will act as a mediator and persuade your debtor to pay. Payment experiences are recorded in our solvency / creditworthiness database. If possible, we will agree payments by instalment and monitor the latter continuously.
You will send us complete information about each case. If your debtor effects a direct payment, we are grateful if you keep us informed so that we can close the case. If not, you will then give your consent to the next step.
We make sure that everything is duly processed within the limits of the law. Our everyday activities include petitions for debt enforcement, to continue proceedings, to sell, and bankruptcy petitions as well as communication with the authorities, the monitoring of deadlines and cost advances.
You will send us the complete documents about each case and attend the conciliation hearing. If necessary, you will effect a cost advance payment. Depending on the progress, you will then give your consent to the next step.
We are in contact with the authorities and monitor all deadlines. We request the debtor to withdraw their objection. Where it is necessary, we submit requests for setting aside objections or requests for conciliation (arbitration) in the relevant national language. If and as required, fiduciary lawyers all over the world will fight for your rights. We will make sure to file claims, manage complex court actions and conduct bankruptcy proceedings. In the process, we avoid vices of form and keep costs to a minimum. Of course, we will always keep you informed.
You will send us your certificates of shortfall and / or written-off claims. If your debtor effects a direct payment, we are grateful if you keep us informed so that we can close the case.
We will search for and unequivocally identify your debtor in order to be in a position to monitor their solvency / creditworthiness. As soon as payment by instalments is agreed or a balance agreement is entered into, we will monitor them continuously. We will always manage this process in a systematic and long-term approach and avoid unnecessary prescriptions.
Since the revised DEBA entered into force on 1 January 1997, certificates of shortfall now lapse after 20 years in Switzerland. Thus, for the first time, all certificates of shortfall issued before 1.1.1997 will lapse on 1 January 2017.
Your request for debt enforcement is contested with an objection, and all you have is a delivery note or an acknowledgement of order. As a result, you then have to decide whether to risk lengthy ordinary proceedings triggering unforeseeable lawyers’ costs, or to write off the whole claim at once.
The CrediCAP debt collection insurance is a product designed by Creditreform in cooperation with the legal expenses insurance company CAP Rechtsschutz-Versicherungsgesellschaft AG, exclusively for CrediMEMBER. This insurance covers the legal charges and lawyers’ fees following an objection.
Take out an exclusive CrediCAP debt collection insurance policy now. Commit your future claims as from the second reminder to the cost-efficient amicable debt collection of Creditreform. This will ensure from the outset that you have the best possible chances of success to possibly still settle the matter amicably. If an objection is filed nevertheless in the ensuing process and the conditions for CrediCAP are met, your Creditreform debt collection company will recommend that you should commit the dossier to the CrediCAP procedure. It will be up to you to decide whether you wish to take the insured case to court without extra costs, or whether you prefer to write it off.
Receivables not only cost nerves but also money. In order to determine by how much you will have to increase your turnover to compensate a possible loss of receivables, use our practical calculator for losses. You will see at once what the consequences of unpaid invoices are for your business.
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