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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 Guatemala

Guatemala is divided up in 22 departments. Our local office is in Guatemala City which is the most populous department with over 3 million people alone. This enables us to recover debts throughout all territories in Guatemala.

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 the case of Guatemala Spanish is spoken by 93% of the population. 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 Guatemala

There are not limitations in Guatemala to recover debts, provided that the creditor has the documents for to demonstrate the validity of its collection. Therefore whatever the age of the debt please contact us and we will advise if we can assist with your claim

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Guatemala 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 the 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


Herewith details of our debt collection service Guatemala

– Location of office(s) in Guatemala
Guatemala City.  We cover all the territories in the Republic of Guatemala.

– Number of staff
Staff members: four (4)

– How long been operating in Guatemala
43 years operating in Guatemala. However, my family –of lawyers- has 150 years.

– What type of debts do you recover?
We do both commercial debt collection (B2B) and consumer debt collection (B2C)

Statute of limitation in Guatemala
There are not limitations in Guatemala for to recover debts, provided that the creditor has the documents for to demonstrate the validity of its collection.

– How EU laws effect debt collection in Guatemala?
We have experience in collecting debts from the EU countries. There are some EU countries that have agreements for investment protection with Guatemala and with some other Central American countries.

– How many registries in Guatemala for businesses? (i.e. UK just has 1 central registry)
In Guatemala companies have only one central Registry: the Commercial Register Office for businesses.

– What is the debt collection process in Guatemala?
I practice two kinds of debt collections: out of Court and with legal actions. Out of Court are the most used, with commission fees (no win no fee) of the recovered amount. With legal actions paid in advance for expenses and fees at the end over the recovered amount.

– How EU laws effect debt collection in Guatemala?
The system of Guatemala is very different from an European process.  In Guatemala legal process at the Court takes long time.

However, arbitration is similar and very useful, provided that the creditor has agreed previously with the debtor the arbitral clause.

– Average length of time to collect?
Average length of time to collect: out of Court, two to six months; with legal process at the Court, three to five years.  Arbitration: 6 to 8 months.

– Can late payment fees / interest be added to claims?
Depending on the economic situation of the debtor, is possible to have interests paid also.  However, for to guarantee the payment of the main amount due, sometimes the negotiation includes to exclude interests. It vary from case to case.

– Details on legal service / process in Guatemala
Legal service in Guatemala is better in direct way, without involving the Courts.

The economy of the Latin American region is in the middle point between growth and recession, then the companies are not growing and are subsisting with more effort and sacrifice than before. When negotiating it is possible to have a radiography of the economic conditions of the debtor and therefore to calculate how will be recovered. However, there are few businesses that are in a good moment for to be obliged to pay.

There are many unique requirements to recovering international debts in all countries including Guatemala 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 the UK office. 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