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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 Guam

We are able to collect debts across the entire country of Guam.  Guam is a territory of the United States of America, whom we also cover all 50 states.



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. The national languages are English and Chamorro, but Filipino and Spanish are also commonly spoken on the island. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Guam

5 years but there are 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:


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


Guam 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. 

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 languages
  3. The laws
  4. Are in the same time zones

Here are the details of our debt collection service in Guam


Location of debt recovery office in Guam?


Number of debt collection staff?

5-10 staff

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

Over 5 years

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

Both B2B and B2C

Statute of Limitation in Guam?

Normally 5 years

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

EU has no real effect

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

One. 1240 Route 16 Army Drive, Barrigada, Guam 96913

What is the debt collection process in Guam?

Pre-court collections are the most effective way of recovering debts

Average length of time to collect a debt?

Up to 12 months or even longer

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

They are not normally successfully recovered

Details on legal service / process in Guam?

Legal actions are taken through the Superior Court in Guam


Specialist Debt Recovery Experts

There are many unique requirements to recovering international debts in all countries including Guam debt collection services which differ from the UK debt collection agency services 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.


“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