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 Europe

We cover all 44 European countries. Creditreform was formed in 1879 in Germany and we have since grown to have offices & partners covering all European nations. Our network includes all countries in and outside of the European Union.

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(s) within the respective European country and understand the local laws & cultures. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Europe

Each European country has its own statute of limitations and they vary depending on the type of debt you have. Note 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:


    European Debt Collection Experts

    Creditreform country offices and local partners are specialists in European debt recovery in their respective countries.

    The “psychological advantage“ by being locally based to the debtor

    Language skills, knowledge of the way of thinking and laws in the respective country

    Out of court procedures have a customer-keeping effect – priority is given to the balancing of interests between creditor and debtor

    Prevention of costs from unnecessary court proceedings

    Cost level of legal actions is predictable, since costs are based on commission and not on an hourly basis

    Long-standing experience, reliable and professional European debt collection experts

    Near to debtor – local collection experts

    Near to client – for you, only one point of contact for all countries

    European Debt Collection Processes

    Here at Creditreform we focus on out of court settlements with priority always given to endeavour to resolve a European debt collection amicably. Court hearings can be time-consuming and cost-intensive; and the actual outcome can often be disappointing. In addition, many country legal systems are said to be inefficient and corrupt. These problems increase from north to south and from West to Eastern Europe. For that reason Creditreform European debt recovery services focus on amicable, out of court settlements.

    This makes the competence in the local market all the more important. Our European debt collection experts contact your debtors by email, post, telephone or, if necessary, by even visiting them personally in order to find acceptable solutions for both sides.

    With their long-standing experience our European debt recovery experts will do a thorough analysis of the financial situation of the debtor and all efforts will be made for a rapid collection of your outstanding claim. It is proven that the monthly instalments as well as amicable settlements are effective. For this to happen, personal communication with the debtors is essential.

    Of course it is also possible to take legal action via Creditreform. Before initiating legal actions the costs will be calculated and before starting any legal proceedings we will obtain the creditors explicit approval.

    Creditreform European Debt Collection Presence

    Creditreform has 22 local European debt collection offices across Europe plus approved partners in all other countries. With over 100 years experience and in excess of 4,500 specialist European debt collection key workers Creditreform is a  market leader in the European Debt recovery processes.

    Why Use Creditreform for European Debt Collection

    There are many unique requirements for the European Debt Recovery processes in all countries throughout Europe. These European debt collection services differ considerably from the UK debt collection agency services and therefore it is very important that cases are handled directly by our expert local European debt collection agencies and not from debt collectors UK. This method of European debt collection sets Creditreform aside from the competition who in many cases try and provide a European debt recovery service from a UK debt collector office only. Using the local European debt collection agency 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.

    European Countries & Territories where we have a local Debt Collection Office or Partner

    Albania Debt Collection
    Andorra Debt Collection
    Austria Debt Collection
    Belarus Debt Collection
    Belgium Debt Collection
    Bosnia and Herzegovina Debt Collection
    Bulgaria Debt Collection
    Croatia Debt Collection
    Cyprus Debt Collection
    Czech Republic Debt Collection
    Denmark Debt Collection
    Estonia Debt Collection
    Faroe Islands Debt Collection
    Finland Debt Collection
    France Debt Collection
    Germany Debt Collection
    Gibraltar Debt Collection 
    Greece Debt Collection
    Hungary Debt Collection
    Iceland Debt Collection
    Ireland Debt Collection
    Italy Debt Collection
    Kosovo Debt Collection
    Latvia Debt Collection
    Liechtenstein Debt Collection
    Lithuania Debt Collection
    Luxembourg Debt Collection
    Macedonia Debt Collection
    Malta Debt Collection
    Moldova Debt Collection
    Monaco Debt Collection
    Montenegro Debt Collection
    Netherlands Debt Collection
    Norway Debt Collection
    Poland Debt Collection
    Portugal Debt Collection
    Romania Debt Collection
    Russia Debt Collection
    San Marino Debt Collection
    Serbia Debt Collection
    Slovakia Debt Collection
    Slovenia Debt Collection
    Spain Debt Collection
    Sweden Debt Collection
    Switzerland Debt Collection
    Ukraine Debt Collection
    United Kingdom Debt Collection
    Vatican City Debt Collection

    European Business Credit Reports

    Creditreform provides over 88 million international business credit reports throughout Europe.

    With access to our online databases you can obtain a European business credit report 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.

    If you have so called “black sheep” among your clients, locally operating experts within our European debt collection network will make collecting your claims a priority.

    Please bear in mind that the sooner you let us handle your debts, the higher the chances for fast incoming payments.

    “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