1. Costs – No Win No Fee!

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only.

2. Coverage in Caribbean

Caribbean covers 13 sovereign states and 17 independent territories. We have local partners in all countries & territories ranging from the largest Cuba to smaller island nations such as Anguilla.


3. Local Experience

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors’ language(s) within the respective Caribbean country and understand the local laws & cultures. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Caribbean

Each Caribbean country / territory has its own statute of limitations and they vary depending on the type of debt you have. Note there are many special exemptions so whatever the age please contact us and we will advise if we can assist with your claim

How to Instruct Us

We simply require the following details:

  • Full name & address of the debtor
  • All available contact details of the debtor i.e. contact name(s) / Tel / Mobile / Email(s)
  • Amount owed (Invoice(s) or Statement will help)


Or ask us to call you – just leave us your details:


Creditreform country offices and local partners are specialists in Caribbean debt recovery in their respective countries. There are 13 sovereign states and 17 independent territories in the Caribbean. The largest being Cuba and Montserrat being the smallest.

The Caribbean covers 2,754,000 km2 and has a population of 43.4 million people. There are 8 main languages spoken across the region of the Caribbean plus various others. The main languages spoken are English, Spanish, French and Dutch. As many as ten currencies are used among the Caribbean Islands including Eastern Caribbean Dollar, Barbados Dollar, Trinidad and Tobago Dollar and Jamaican Dollar. Many islands in the Caribbean do not have their own currency, and, as a result, use foreign currencies as their official medium of exchange. For example, Guadeloupe, Martinique, Saint Barthélemy and Saint Martin, i.e. the islands that make up the French Caribbean, use the euro. Meanwhile, the British Virgin Islands, Puerto Rico, Turks and Caicos Islands and United States Virgin Islands use the United States dollar.

The “psychological advantage“ by being locally based to the debtor

Language skills, knowledge of the way of thinking and laws in the respective country

Out of court procedures have a customer-keeping effect – priority is given to the balancing of interests between creditor and debtor

Prevention of costs from unnecessary court proceedings

Cost level of legal actions is predictable, since costs are based on commission and not on an hourly basis

Long-standing experience, reliable and professional Caribbean debt collection service experts

Near to debtor – local debt collection agency experts

Near to client – for you, only one point of contact for all countries


Focus on out of court settlements

Priority is always given to out of court recovery of your debts. Court hearings can be time-consuming and cost-intensive and very difficult to implement in many Oceania countries. The actual outcome can often be disappointing too. In addition, many legal systems are said to be inefficient and corrupt. These problems are all across the Caribbean . For that reason Creditreform Caribbean debt recovery services focus on amicable, out of court settlements.

This makes the competence in the local market all the more important. Our Caribbean debt collector experts contact your debtors by email, post, telephone or, if necessary, by even visiting them personally in order to find acceptable solutions for both sides.

With their long-standing experience, our Caribbean debt recovery agency experts will do a thorough analysis of the financial situation of the debtor and all efforts will be made for a rapid collection of your outstanding claim. It is proven that monthly instalment plans as well as amicable settlements are effective. In order for this to happen local personal communication with the debtors is essential.

It is possible to take legal action via Creditreform but before initiating legal actions the costs will be calculated and any legal proceedings we will only be actioned once the creditors explicit approval has been obtained.

Countries and areas of the Caribbean are at a different level of maturity and there are many factors that affect the debt collection processes including:

Local regulations, Corruption, Lax Regulations, Infrastructure and lack of technology to name a few. All our local debt collection partners and offices are experts and the local knowledge which ensures achieving the highest potential success rate in recovering monies due to our clients.

It is also very important to act quickly and outsource the debts to us as soon as possible as this will ensure you have a much higher chance of a successful outcome. The sooner the case is in the hands of our local debt collection partner the quicker they can act on your behalf and locate, contact the debtors and recover monies due to you.

“We are pleased with the friendly and efficient service of Adrian Harding and staff at Creditreform in collecting outstanding overdue debts on our behalf. Some accounts, especially those located overseas have been difficult customers but we are pleased with the high rate of success. We also appreciate that they keep us informed and constantly updated on the progress of the collection”
Bryan de Beer, Phoenix Fragrances
“Within 48hrs of Creditreform being involved a resolution was agreed and within the week paid in full. The professionalism of the Creditreform team was second to none and I would and indeed do recommend them to colleagues in a similar difficult position This situation was the first time we have had to employ a company for debt recovery and it was good to feel that you have someone else ‘on your side’.”
Dean Lake, Lake Contracts
“We have been using Credit Reform for a number of years now and we have always been dealt with in a professional and friendly way. Over time, Creditreform have managed to achieve good results for us. Would definitely recommend.”
Anna Zhakrova, Catering Hygiene Specialists Ltd
“I have worked with Creditreform for many years and always received a first class service. Keep up the good work”
Russell Hardwick, MSC Industrial