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 Germany

Our Head Office is situated in Neuss, Germany.
We have 129 offices in all 16 German states with over 3,500 employees in Germany alone.
Creditreform is the market leader for debt collection in Germany.

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 German and 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 Germany

The standard limitation period in Germany is three years. However, there are exceptions 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:


Or ask us to call you – just leave us your details:


Debt Collection Germany

Pre-trial debt collection is definitely our forte. The bulk of our cases are settled without a lawyer is perhaps due to our expertise,there’s no such thing as the “standard German Debt Collection”.

Each case is treated individually and according to its merits. Primarily, that means accessing more information about your customer’s financial circumstances… information we happen to have at our fingertips in our business database which, with 4.9 million company entries, is the world’s largest for German Companies.

In this database, we’ll quickly find the necessary information on your debtor’s ability to meet his financial obligations, and avoid you throwing good money after bad. Our research also considers all entries in district courts’ debtor registers, published insolvencies and ongoing Germany debt recollection processes.

With all this information and our expertly trained staff, we achieve an extremely high success rate without the need for legal proceedings.

Before judicial Germany debt collection is instigated, we’ll naturally review the debtor’s economic circumstances beforehand to assess the benefits of such an action for our client.

If legal actions have a realistic chance of success, and the German debts are undisputed, we’ll initiate judicial enforcement and compulsory execution upon the debtor’s assets, and advise you throughout all proceedings in a German debt collection process. Many debtors capitulate and pay up when they find the compulsory execution order in the mail.

If this step is unsuccessful, judicial German debt collection proceeds to execution (i.e. seizure) by a bailiff. If this is also unsuccessful, an affidavit will be procured.

We’ll naturally send you regular updates on all the initiated measures and results of the judicial German debt recovery process. In keeping with your instructions, we can also continue monitoring your judicially recognized claim with Creditreform’s Monitoring services. In that case, our Judgment Monitoring service will keep an eye on your debtor for up to 30 years.


Number of offices in Germany:

Estimated number of staff in Germany:

Statute of limitation:

3 years (regular period)
Following please find the relevant sections of German Civil Code

Section 195 – Standard limitation period
The standard limitation period is three years.

Section 199 – Commencement of the standard limitation period and maximum limitation periods(1) Unless another commencement of limitation of is determined, the standard limitation period commences at the end of the year in which:

1. the claim arose and

2. the obligee obtains knowledge of the circumstances giving rise to the claim and of the identity of the obligor, or would have obtained such knowledge if he had not shown gross negligence.

How many registries in Germany for businesses? (i.e. UK just has 1 central registry)
Approximately 120, decentralised structure, business registries are kept by the local courts

Average length of time to collect?
Prejudicial 60 to 90 days

Can fees / interest be added to claims?
Yes, according to the following sections of German Civil Code: 280, 286, 288

“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