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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 Philippines

Philippines is divided into 17 administrative regions covering over 7,000 islands. Our local office is in Pasig City which is in Metro Manila – the countries capital. This enables us to recover debts across all of Philippines.

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 Filipino is the most widely spoken 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 Philippines

4 years for oral and 10 years for written contracts but there are many special exemptions so whatever the age please contact us and we will advise if we can assist with your claim

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Philippines 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. As with Debt collectors UK our international debt collection agency partners in the Philippines are able to charge interest and late payment fees to the debtor so reducing the amount of commission you have to pay.

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 Philippines:

–       Location of office in Philippines
Pasig City in Metro Manila

–       How long been operating in Philippines
Founded in 1994.

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

–       Statute of limitation in Philippines
4 years for oral contract; and 10 years for contract made in writing.

–       How EU laws effect debt collection in Philippines?
To the extent that the Philippine government is signatory to treaty and other agreements. Otherwise, the general laws under the Civil Code of the Philippines shall apply.

–       How many registries in Philippines for businesses? (i.e. UK just has 1 central registry)
2 registries, Securities and Exchange Commission (SEC) and the Department of Trade and Industry (DTI).

–       What is the process in Philippines?
Under the principle of fair and reasonable actions, i.e., writing of letters to the debtor, phone calls at a reasonable hour, and site visit under reasonable circumstances.

–       Average length of time to collect?
6 months to 1 year.

–       Can late payment fees / interest be added to claims?
It is possible but not practical to consider.

–       Details on legal service / process in Philippines
It is normally sent by postal mail or personal delivery; those that involves court processes is coursed through Court Sheriffs and process servers.

There are many unique requirements for international debt recovery in all countries including the Philippines debt collection services which differ from debt collectors UK and therefore it is very important that cases are handled directly by our local expert international debt collection agencies and not here 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 and the greatest chance of recovering your money without incurring huge upfront costs.

“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