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 Tonga

Tonga is an island in Oceania which is divided into 5 regions with the capital and most populous region being Nuku’alofa. Our local office is in Nukuʻalofa so we are centrally located to recover debts throughout all of Tonga.

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 Tongan is the official and most widely spoken language. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Tonga

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:


    Tonga 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 Tonga

    Location of debt recovery office in Tonga

    Nuku’alofa. All debt collection letters are sent by the local head office.

    Number of debt collection Staff

    There are two law practitioners including myself and a secretary.

    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 Tonga?

    We have been in practice since 2010.

    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.

    Statute of limitation in Tonga

    Our statute of limitation in Tonga is 5 years.

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

    Our laws is basically Commonwealth based unlike the civil law countries such as European Union which is a bit different.

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

    We have 1 company registries, which is run by the Ministry of Labour.

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

    What is the debt collection process in Tonga?

    Collection process is usually done by bailiff officers, under the ministry of Justice who are empowered thru writ of distress to carry out seizing of properties to be sold by public or private auction. There is no time limitation to collect debt. However, it depends on nature of the property to be seized.

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

    Interest is allowed for in civil claims and for late payments, interest attracts as penalty.

    Details on legal service / process in Tonga?

    Our legal process is similar to any Courts of the Commonwealth. Once you filed a writ of summon attaching a statement of claim, you serve them and the defendants have 28 days to reply, If no reply, you go for judgment. If reply given, you go for disclosure of documents, exchange of documents, preparing briefs of evidence, fixing of hearing dates and the actual trial. The minimum time you will have a hearing after filing a civil summon is at least 9 months. We have three high court judges who are sitting in our Supreme Court. One of them presides over criminal matters, one deals with land matters, family and divorce and the Chief Justice deals with civil and anything else.

    These three judges also do circuits to the outer islands twice within a year. So it takes at least 9 months before you have a hearing.

    Yes, we also recognise mediation, negotiation and arbitration in civil proceedings.

    Tonga 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 Tonga 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.

    Tonga Tracing Agents

    Creditreform’s debt collection company service also uses expert local Tonga 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 Tonga 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