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:

  • 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:


    Debt Collection Germany

    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.

    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 languages
    3. The laws
    4. Are in the same time zones


    Herewith details of our debt collection service 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 debt recovery offices in Germany?


    Number of debt collection staff?


    Statue of Limitation in Germany?

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

    Approximately 120, decentralised structure, business registries are kept by the local courts

    Average length of time to collect a debt?

    Prejudicial 60 to 90 days

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

    Yes, according to the following sections of German Civil Code: 280, 286, 288

    There are many unique requirements to recovering international debts in all countries including Germany 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 agencies and not from the 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.

    German Business Credit Reports

    Creditreform provides over 200 million international business credit reports worldwide with circa 5 million German credit reports in our database. You can have free access to our online databases and obtain a German 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.

    Germany Tracing Agents

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

    Germany Debt Collection Offices in the following German 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