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 Slovakia

Slovakia is divided up into 8 regions. Our local office is in Bratislava which is the country’s capital enabling us to recover debts throughout the entire country.

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 Slovak 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 Slovakia

4 years for B2B and 3 years for B2C debts but there are 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:


    Slovakia 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.

    Creditreform was the first credit agency in Slovakia after the fall of the Iron Curtain. Today, our business group serves companies in all industries such as banks, leasing companies, large and small organisations, etc.  We will take over your whole correspondence with your defaulting debtors and recover your money quickly and effectively. Our Dunning Procedure has been so well perfected and is so effective that we resolve most of the cases out-of-court. If requested, we will initiate legal proceedings against the debtor in cooperation with the best law firms. If you have any doubts about a non paying debtor the sooner you instruct us higher are the chances of success.

    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 Slovakia:

    Location of debt recovery office in Slovakia?

    1 office in Bratislava. All debt collection letters are sent by the local head office.

    Number of debt collection staff?

    3 employees. 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 Slovakia?

    since 1992

    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 Slovakia?

    4 years in B2B, 3 years B2C

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

    Problems in recovering claims of foreign creditors against consumers

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

    Trade register (Zivnostenský register) and Commercial register (Obchodný register = 7 regional courts)

    Average length of time to collect a debt?

    2- 3 months

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

    Only interests (legal or contractual) + 40 EUR late payment penalty in B2B

    Details on legal service / process in Slovakia?

    Issuing of a payment order is swiftly, in the case of opposition against court decision the proceedings could become very expensive and long. Enforcement of debts is limited by time.

    Slovakia 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 Slovakia 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.

    Slovakia Tracing Agents

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

    There are many unique requirements to recovering international debts in all countries including Slovakia 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 agency in that country and not from debt collectors UK only. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collectoronly. 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