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 Croatia

Croatia is divided into 20 counties and the capital Zagreb which has special status. Our local office is in Zagreb where we have operated since 1994 enabling us to recover debts throughout all of Croatia.

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 in this case Croatian is spoken by 95% of the population as their native language. We understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Croatia

3 years but 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:


    Croatia Debt Collection – No Win No Fee


    Creditreform operates a global specialist International debt collections service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win No Fee basis charging an agreed commission against monies recovered only. All our international offices and partners initiate the collection processes by sending the debtors a debt collection letter to introduce their involvement.

    Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows:

    The local International Debt collection Partners know:

    1. The local cultures
    2. The best methods of initiating debt recovery letters and processes
    3. The languages
    4. The laws
    5. Are in the same time zones

    Herewith details of our debt collection service Croatia:

    Location of debt recovery office in Croatia?

    Zagreb. All debt collection letters are sent by the local head office.

    Number of debt collection staff?

    7 employees. Each staff member is allocated a client and all their debt collection letters are personalised in order to effect the best response results from debtors.

    How long have you been operating a debt recovery service in Croatia?

    Since 1994

    What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)?

    We handle both Business to Business debt recovery cases and Business to Consumer debt collections cases. There is different content for business to business debt collection letter templates and business to consumer debt collection letters templates.

    Statue of Limitation in Croatia?

    -for goods and services trade – 3 years
    -for transport services – 1 year
    -in case a court verdict is obtained for a certain claim: 10 years

    How EU (European Union) laws effect debt collection in Croatia?

    The debt collection in Croatia is handled according to all corresponding EU laws.

    How many companies registries in Croatia for businesses (i.e. UK has just 1 central registry)?

    In Croatia, besides the Court register, there is also Register of sole proprietorships.

    What is the debt collection process in Croatia?

    In order to start the process of collection in Croatia, it is necessary to have credible documents proving the justification of the claim.
    First attempts are made in order to settle the debt by settlement and out off court.
    In case it is not the case, legal actions are taken.

    Average length of time to collect a debt?

    The average collection time of a claim cannot be determined, as it should be divided into:
    -cases that have been successfully resolved and
    -cases that have been unsuccessfully resolved.
    In addition, the division of successfully resolved cases by peaceful means (by agreement or out of court settlement) and successfully resolved cases in court proceedings should be made.
    Further, question is whether obtaining a judgment in a court proceeding can be considered as a successfully settled case if the creditor cannot collect his claims despite the court judgment.
    Generally speaking the collection time can be from few weeks to several years.

    Can late payment fees / interest to be added to claims?

    Under Croatian law, a creditor can claim interests and costs in addition to basic debt. In Croatian practice, such “benefits“ are mainly collected by state institutions and banks. In other cases it is very difficult to obtain a fair amount of interest and costs. It is customary for Croatian entrepreneurs to take interest and costs as a “side” thing that no one takes seriously until the moment of legal proceedings.

    Details on legal service / process in Croatia?

    It is important to note that court proceedings in Croatia (as in other Balkan countries) are time consuming and costly. It takes about 3-5 years to reach the first verdict in litigation. If there are appeals against a court decision, the case continues in the High court also on average 2-5 years. However, some court proceedings happen to be resolved very quickly, even in the first stage of the proceedings. This is the case where the debtor does not object to the initial motion for enforcement. Then the judgment can be obtained relatively quickly (in a few months), but usually then there is a problem of payment realization.

    In Croatia, as in other Balkan countries corruption is widespread. According to all polls in the last twenty years, the citizens of Croatia have labeled the the judicary system as the most corrupt part of the country, despite Croatia’s accession to the EU in 2013.
    Therefore, every effort should be made to try to resolve the case without legal action.

    Croatian Business Credit Reports

    Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. Total businesses registered (number) in Croatia is in excess of 1,000,000. Through our online databases you can download Croatian Company Searches instantly. This can be done prior to trading to make sure the company you will be dealing with can meet the commitment or once the debt becomes overdue to ensure the debtor can meet the amount owed.

    Specialist Debt Recovery Experts

    There are many unique requirements to recovering international debts in all countries including Estonia debt collection services which differ from the UK and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collectors UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collector only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service.

    Croatia Debt Collection Offices in the following Croatian Cities


    “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