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 Portugal

Portugal is divided into 18 districts. Our local office is in the district of Lisbon which is the largest and most populous district ensuring we can collect debts throughout all of Portugal.

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 with most widely spoken being Portuguese (96%) and English and Spanish are also spoken as second languages. 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 Portugal

5-20 years with 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:


    Portugal 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 Portugal

    Location of debt recovery office in Portugal?

    Lisbon (the capital city of Portugal). All debt collection letters are sent by the local head office.

    Number of debt collection staff?

    6 (Lawyers and staff). 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 Portugal?

    Law Office created in 1959

     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 Portugal?

    The general limitation period (B2B) for bringing an action in the Portuguese court is 20 years but reduced periods operate in certain circumstances. Perhaps the most significant are consumer contracts (i.e. between a commercial concern and a consumer), where the period is 2 years and claims for interests where the period is 5 years.

    Breach of statute of limitation can be of a judicial nature (court notification) or extra judicial (acceptance of the right/claim by document in writing, payment proposals, part payments but also unequivocal tacit acceptance).

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

    Full effect

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

    In Portugal there are several commercial registry offices, scattered throughout the territory, as the main external services of the Institute of Registries and Notaries, I.P. (IRN), a public institute under the tutelage of the Ministry of Justice

    General comments regarding the process in Portugal for debt collection and how differs from UK debt collection and other European countries:

    What is the debt collection process in Portugal?

    In Portugal, according to the law — the law which defines the acts of the lawyers

    — it is up to lawyers to carry on all the acts of negotiation with debtors with the aim of collecting a debt for third parties (creditors).

    Lawyers are bound by professional and ethical rules supervised by the Bar Association and “don’t pay visits to debtors”).

    As a Law Office, lawyers handle the debt collection cases.

    We act from the vision that behinds every debt there’s a story and that every debtor as its own reason why the claim has remained unpaid.

    We study the cases and make the necessary searches within our reach.

    We write to the debtors asking for payment, we call, we send emails and letters. We make payment agreements (when the client accepts them), put them in writing and control every payment.

    When amicable collection is not possible, we start legal action, if instructed by the client to do it. We also work with a Credit Report Company from whom, at the request of the creditor, we order (and pay) information about the debtors in order to know about their financial situation

    Average length of time to collect a debt?

    (i)           Amicably: the time it takes as long as amicable recovery succeeds

    Our core value is to make an appropriate payment arrangement that is tailored to the unique circumstances of the debtor

    (ii)          Judicial: depends on the proceeding and the Court

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

    We can add interests but in what concerns collection costs/fees they don’t have to be paid by the debtors unless there is a previous and written agreement between creditor and debtor establishing it. If this agreement does not exist we can only ask for an indemnity of EUR 40.00 through a judicial proceeding

    Details on legal service / process in Portugal?

    (i)           Simple collection proceedings (injunggo);

    (ii)          Enforcement proceedings (acqgo executiva);

    (iii)         Declaratory proceedings (acggo declarativa condenatoria);

    (iv)         Protective measures (procedimentos cautelares);

    (v)          Insolvency proceedings (acqgo de insolvéncia).

    Portugal 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 in Portugal is over 2 million. Through our online databases you can download Portugal business credit reports 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.

    Portugal Tracing Agents

    Creditreform’s debt collection company service also uses expert local Portugal 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 Portugal 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.

    Portugal Debt Collection Offices in the following Portuguese 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