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 Malta

Malta is a small island nation in Europe south of Italy, east of Tunisia and north of Libya. Our local office is in Birkirkara which is the second most populous on the island where we recover debts throughout all of Malta.

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 Maltese is spoken by 98%, English by 88% and Italian by 66% of the population. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Malta

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:

  • 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:


    Malta 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 Malta

    Location of debt recovery office in Malta

    Swatar, Birkirkara. All debt collection letters are sent by the local head office.

    Number of debt collection staff

    Around 100 employees work in various departments.

    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 Malta?

    We have been operating since 1987.

    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 Malta

    There are various prescription periods, in accordance to the civil code, as follows:

    The following actions are barred by the lapse of one year:

    • actions of masters and teachers of sciences or arts, for lessons given by the day or by the month;
    • actions of keepers of inns, taverns or lodging-houses for lodging and board furnished by them;
    • actions of domestic servants or other persons paid by the month, of artificers or day- labourers for the payment of their wages, salaries or the supplies due to them;
    • actions of carriers by land or water referred to for the payment of their hire or

    The following actions are barred by the lapse of eighteen months:

    • actions of tailors, shoemakers, carpenters, masons, whitewashers, locksmiths, goldsmiths, watch-makers, and other persons exercising any trade or mechanical art, for the price of their work or labour or the materials supplied by them;
    • actions of creditors for the price of merchandise, goods or other movable things, sold by retail;
    • actions of persons who keep educational or

    instructional establishments of any kind, for the payment of the fees due to them;

    • actions of persons for the payment of their salary;
    • actions of brokers for brokerage fees;
    • actions of any person for the hire of movable


    The following actions are barred by the lapse of two years:

    • actions of builders of ships or other vessels, and of contractors in respect of constructions or other works made of wood, stone or other material, for the works carried out by them or for the materials supplied by them;
    • actions of physicians, surgeons, obstetricians and apothecaries for their visits or operations or for medicines supplied by them;
    • actions of advocates, legal procurators, notaries,

    architects and civil engineers, and other persons exercising any other profession or liberal art, for their fees and disbursements;

    • actions of procurators ad litem or other attorneys or mandataries, for their remuneration, the expenses incurred by them, indemnities due to them for losses sustained, and for the reimbursement of advances made by them

    In terms of the Commercial Code, actions arising from bills of exchange or from promissory notes shall be barred by prescription by the lapse of 5 years from the day of their maturity, and actions arising from drafts or cheques on bankers or cashiers shall be barred by prescription by the lapse of 5 years from their date.

    Debt recovery in Maltese Courts

    Debt collection cases are tried in courts dependant on the amount of debt as follows:

    • First Hall Civil Court for claims exceeding €15,000;
    • Court of Magistrates for claims between €5,000 and €15,000;
    • Small Claims Tribunal for claims that do not exceed €5,000

    Judicial Letter

    It is important to note that a judicial letter in terms of Article 166A may only be filed when debt due does not exceed €25,000. Should the debt due and claim exceed €25,000 a judicial letter and eventually a lawsuit must be filed.

    There are various Registers in Malta:-

    • The Companies register which is called Malta Business register and holds details of all Maltese registered companies &
    • The Courts of Malta website for judgements

    The Maltese association of Credit Management which collects data from its members and from the Courts and the Malta Business register. This database includes Dishonoured cheque history, overdue payments, Court notices and notices from the Malta Business Register.

    Maltese Business Credit Reports

    Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. Malta Registry of Companies counts 35,000 companies on the register and annual document registrations of between 75,000 and 100,000 documents. We provide freshly investigated Maltese business credit reports which  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.

    Malta Business Credit Reports

    Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. We provide freshly investigated Malta Credit Reports which 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.

    Malta Tracing Agents

    Creditreform’s debt collection company service also uses expert local Malta tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis only charging for a successful trace.

    Specialist Debt Recovery Experts

    There are many unique requirements to recovering international debts in all countries including Malta 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