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Debt Collection in Croatia

Dealing with unpaid invoices can be a challenging and frustrating experience for businesses operating in Croatia. However, with the help of a reputable debt collection agency like us, recovering unpaid invoices and debts can be a much smoother and more successful process. In this article, we will provide you with all the necessary information about debt collection and debt recovery in Croatia, and how we can assist you with your debt collection needs.

Understanding Debt Collection in Croatia

Debt collection in Croatia is regulated by the Law on Obligations, which governs contractual obligations and other legal relations between parties. When it comes to collecting unpaid debts, there are two main options available to creditors in Croatia:

Outsourced debt collection

In-house debt collection involves businesses handling their debt collection process internally, which may involve sending reminders and follow-up letters to the debtor, initiating legal proceedings, and negotiating repayment plans.

Outsourced debt collection, on the other hand, involves hiring a third-party debt collection agency to handle the debt recovery process on behalf of the creditor. This option is often preferred by businesses as it allows them to focus on their core operations while leaving the debt collection to the experts.

Why Choose Us?

We are  a reputable and experienced debt collection agency that specializes in debt collection and debt recovery in Croatia. Our team of professionals is well-versed in the Croatian legal system and has an in-depth understanding of the debt collection laws and regulations in the country.

We offer a range of debt collection services tailored to meet the specific needs of our clients, including:

Pre-legal debt collection: We use a professional approach to collect debts through phone calls, emails, and letters. This method is often successful in recovering debts without the need for legal proceedings.

Legal debt collection: If pre-legal debt collection fails, we can initiate legal proceedings against the debtor. We work with experienced attorneys who have a proven track record of success in the Croatian legal system.

International debt collection: We also offer international debt collection services, which can be particularly useful for businesses with debtors based outside of Croatia. We have an extensive network of partner law firms and debt collection agencies across the world, which enables us to recover debts in a wide range of countries.

Credit management: We provide businesses with credit management services, which involve assessing credit risks, setting credit limits, and monitoring payment behavior to prevent future debt collection issues.


Our Debt Collection Process

We follow a structured debt collection process that is designed to be efficient, effective, and compliant with all relevant laws and regulations in Croatia. Our process involves the following steps:

Initial contact: We establish contact with the debtor to inform them of the debt and attempt to collect it through pre-legal means.

Legal action: If pre-legal collection efforts fail, we initiate legal proceedings against the debtor. This may involve filing a lawsuit in a Croatian court and working with local attorneys to recover the debt.

Enforcement: Once a court judgment has been obtained, we take steps to enforce the judgment and recover the debt. This may involve seizure of assets or bank accounts, wage garnishment, or other methods of debt recovery.

Communication: Throughout the debt collection process, we maintain open and transparent communication with our clients, providing regular updates and answering any questions they may have.

Preventing Future Debt Collection Issues

While debt collection agencies like us can help businesses recover unpaid debts, it is always better to prevent these issues from arising in the first place. Here are some tips for preventing future debt collection issues:

Conduct Credit Checks: Before entering into a business relationship with a new customer, it is important to conduct a credit check. This will provide valuable information about the customer’s payment history and creditworthiness, which can help you make an informed decision about whether to extend credit.

Set Clear Payment Terms: It is important to set clear payment terms upfront and communicate them clearly to customers. This can include payment due dates, late payment fees, and consequences for non-payment. By setting clear payment terms, you can prevent misunderstandings and reduce the likelihood of payment disputes.

Invoice Promptly: Sending invoices promptly is key to ensuring timely payments. Make sure to send invoices as soon as possible after the goods or services have been delivered, and follow up with customers if payment is not received by the due date.

Use Payment Reminders: Sending payment reminders is a proactive way to prevent late payments. This can be done through email, phone, or letter, and can help ensure that customers are aware of their payment obligations.

Establish Payment Plans: If a customer is struggling to make a payment, it may be beneficial to establish a payment plan. This can help the customer pay off the debt over time and reduce the likelihood of future payment disputes.

Monitor Payment Behavior: It is important to monitor payment behavior and take action if a customer is consistently late or fails to make payments. This can include reducing credit limits, initiating legal proceedings, or ceasing business with the customer altogether.

The Importance of Hiring a Professional Debt Collection Agency

While it is important to take steps to prevent future debt collection issues, sometimes debt collection is unavoidable. In these cases, hiring a professional debt collection agency like us can be invaluable. Here are some of the benefits of hiring a professional debt collection agency:

Expertise: Debt collection agencies have the expertise and experience to handle even the most complex debt collection cases. They are familiar with the laws and regulations governing debt collection in Croatia and can provide valuable advice and guidance throughout the process.

Efficiency: Debt collection agencies have established processes and procedures in place to ensure that debt collection is handled efficiently and effectively. This can help businesses recover debts more quickly and reduce the amount of time and resources spent on debt collection.

Cost-Effective: Hiring a debt collection agency can be a cost-effective way to recover unpaid debts. Debt collection agencies typically work on a contingency basis, meaning that they only charge a fee if they are successful in recovering the debt.

Legal Support: Debt collection agencies work closely with local attorneys and have a network of legal professionals who can provide support and guidance throughout the debt collection process.



Dealing with unpaid invoices and debts can be a challenging task for businesses operating in Croatia. However, by understanding the debt collection options available, such as outsourced debt collection, and working with a reputable debt collection agency like the one described in this article, recovering unpaid debts can be a smoother and more successful process. It is also important for businesses to take steps to prevent future debt collection issues, such as conducting credit checks and establishing clear payment terms. Hiring a professional debt collection agency can provide businesses with the expertise, efficiency, and legal support needed to recover unpaid debts while minimizing the impact on their resources and finances.

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