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The ultimate guide about debt collection in Cambodia

Do you have money that you are owed from a business or customer in Cambodia? We can help you get that money back! We have helped hundreds of other businesses in Cambodia recover debt.

It can be difficult to collect a debt from someone in another country. There can be language and cultural barriers, different laws and customs, and the debtor could live far away. But it is simpler when you use a collection agency that knows the laws and customs of the country where the debtor lives.

At Debitura, we prioritize people. We do everything we can to get your money back while still having a good relationship with the person you borrowed from. Our PR efforts are always fair but firm- making sure your reputation is our number one priority! If you want to learn more about how to collect the debt yourself, keep reading this guide. If you would rather work with a local law firm that specializes in debt recovery in Cambodia, we can help you with that too.

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Quick, professional and hassle-free B2B and B2C debt collection. 87% Consistent recovery rate – a testament to our global effectiveness. 4.97/5Average rating from a diverse global clientele of over 5,000.

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The debt collection process in Cambodia

The debt collection process in Cambodia typically involves multiple steps.

The image below explains the process we use to collect debt in Cambodia:

1 Upload your claim:

Unless you want to get your debt back yourself, you will start by finding a company to help you. You will give them information about the money you are owed. If you use Debitura, we will give you 3 quotes from companies in Asia that can help you. This is free - there is nothing else you have to do.

2 Amicable collection:

The collection process usually starts with sending friendly reminders to the person who owes you money. This is called a "campaign." The reminders go through email, SMS, letter, and other ways of communicating in the specific country. The goal is to get the debtor to pay or agree that they owe the debt and start a payment plan. Debitura offers a no-cure-no-pay solution for amicable collection. This means that you only have to pay a small success fee if we recover your debt. Amicable collections with Debitura are 100% risk-free!

3 Evaluation:

If you have not received payment from the debtor after the amicable phase, it is time to evaluate what to do next. We will look at how much money you are owed, the probability of receiving payment and other factors to help you decide what to do next. There are three typical next steps:

A: Surveillance:

If your claim is below 2,000-5,000 euros, it is often not worth it to take more legal action. In this case, we recommend "debt surveillance." This means that we will keep trying to contact the person you owe money to and try to reach an agreement without going to court.

B: Legal collections:

We suggest that you begin a legal action for bigger claims. The way in which the legal action is carried out will vary depending on the type and amount of your claim. Typically, this process will take between one and a half to 18 months to complete.

C: Debt enforcement:

If the person you're owed money from agrees that you're owed money, or if a court says you're owed money, you can use the bailiff's court to get the money.

We can help you with all three steps in Cambodia.

01
Amicable Collection Phase

Initiate with a friendly, out-of-court collection aimed at an amicable resolution. This phase generally includes: Direct Communication, Reach out to your debtor to understand the payment delay. Payment Reminders: Use various communication methods (email, SMS, letters) for sending reminders. Formal Notice: Issue a formal notice letter, outlining the debt and the consequences of non-payment.

02
Court Proceedings

If the amicable approach fails, escalate the matter through legal proceedings to obtain a court judgment, essential for debt enforcement.

03
Debt Enforcement

With a court judgment in hand, you can pursue coercive measures like asset seizure and sale, referred to as debt enforcement.

04
Bankruptcy Proceedings

In cases where the debtor has no assets for seizure, consider filing for bankruptcy. If the debtor is already bankrupt, submit your claim promptly for verification.

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Introduction to collecting debt in Cambodia

Do you have a hard time getting paid by your Cambodian customers? Do not worry; we make it easy for you. When collecting debt in Cambodia, the party who owes the debt is called “the debtor”, and the party who has issued the debt or invoice is called “the creditor”. If the original creditor collects the debt himself, this is called “first-party collection”. If the creditor outsources the collection process to a third party, this is called “third-party collections”.


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"Debitura made the process of debt collection in Cambodia so easy and efficient for us. They provided us with excellent service and kept everything transparent. Thank you Debitura!"
Sophia Chan - Accounts Receivable Manager
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"Debitura helped us with debt recovery Netherlands and provided exceptional service. They were efficient, professional, and helped us collect what we were owed."
Katharina Schmidt - Controller
4.97/5
Average rating based on feedback from over 600 satisfied clients
87%
Average debt recovery rate, exceeding industry standards
100M+
Debt recovered for our clients in the past 18 months

The debt collection process in Cambodia

The debt collection process in Cambodia typically involves multiple steps.

The image below explains the process we use to collect debt in Cambodia:

1 Upload your claim:

Unless you want to get your debt back yourself, you will start by finding a company to help you. You will give them information about the money you are owed. If you use Debitura, we will give you 3 quotes from companies in Asia that can help you. This is free - there is nothing else you have to do.

2 Amicable collection:

The collection process usually starts with sending friendly reminders to the person who owes you money. This is called a "campaign." The reminders go through email, SMS, letter, and other ways of communicating in the specific country. The goal is to get the debtor to pay or agree that they owe the debt and start a payment plan. Debitura offers a no-cure-no-pay solution for amicable collection. This means that you only have to pay a small success fee if we recover your debt. Amicable collections with Debitura are 100% risk-free!

3 Evaluation:

If you have not received payment from the debtor after the amicable phase, it is time to evaluate what to do next. We will look at how much money you are owed, the probability of receiving payment and other factors to help you decide what to do next. There are three typical next steps:

A: Surveillance:

If your claim is below 2,000-5,000 euros, it is often not worth it to take more legal action. In this case, we recommend "debt surveillance." This means that we will keep trying to contact the person you owe money to and try to reach an agreement without going to court.

B: Legal collections:

We suggest that you begin a legal action for bigger claims. The way in which the legal action is carried out will vary depending on the type and amount of your claim. Typically, this process will take between one and a half to 18 months to complete.

C: Debt enforcement:

If the person you're owed money from agrees that you're owed money, or if a court says you're owed money, you can use the bailiff's court to get the money.

We can help you with all three steps in Cambodia.

Amicable collection in Cambodia


At Debitura, we have a process for Amicable collections that is 100% risk-free and very efficient. You just need to submit your claim and we will start working on it within 24 hours.

We will try to contact the person you owe money to using all of the ways we can in Cambodia. This might include email, text messages, letters, phone calls, and social media.

There are two ways to get the debtor to pay:

A) Get them to pay the full amount all at once.
B) Get them to agree that they owe the money and make a plan to pay it back in small amounts over time.

If the person you are trying to get money from disagrees with you, you cannot try to resolve it peacefully. You must go directly to legal collections.

Amicable Collection - Key Takeways

Introduction to collecting debt in Cambodia

Do you have a hard time getting paid by your Cambodian customers? Do not worry; we make it easy for you. When collecting debt in Cambodia, the party who owes the debt is called “the debtor”, and the party who has issued the debt or invoice is called “the creditor”. If the original creditor collects the debt himself, this is called “first-party collection”. If the creditor outsources the collection process to a third party, this is called “third-party collections”.


Explore our step-by-step guide for amicable debt collection
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Free Demand Letter Template

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amicable debt collection

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Find a Debt Collection Lawyer

Finding the right lawyer for judicial debt collection is crucial. Debitura offers a streamlined 'Find a Lawyer' service, drawing from our network of 500+ local attorneys across the globe. Describe your needs and quickly get tailored proposals from up to three top lawyers.

Your Benefits at a Glance:

  • Verified Lawyers: Access vetted professionals for reliable representation.
  • Free Matching & Quotes: Get matched and receive quotes with no hidden fees.
  • Competitive Rates: Benefit from fair, negotiated pricing for quality services.

Explore the profiles of our esteemed local partners below and take the first step towards securing your legal advantage with Debitura.

#45, Street 70, Khan Daun Penh, Phnom Penh, Cambodia
TIP & PARTNERS

Tip & Partners is one of Cambodia’s leading independent law firm. The firm provides a comprehensive range of legal services to serve the differing needs of corporates, financial institutions and individuals. Tip & Partners’ philosophy is to serve its clients’ needs with an approach that is traditional yet innovative, conservative yet forward-looking, and which is in step with the trends of the future while relying on the experiences of the past.

Lawsuits
Legal collection
Debt enforcement
8
1995
Law firm

Debt enforcement in Cambodia

If the person who owes you money has signed a document saying they will pay you, or if there is a court order, you can ask the bailiff in Cambodia to help you get the money that is owed to you.

The cost and process vary depending on your situation. You can upload your case to Debitura, and they will give you 3 different quotes to choose from within 24 hours.

Debt Enforcement - Key Takeways
Explore the cost and time frame for debt enforcement
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Explore asset seizure and salary attachment options
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Get started with debt enforcement. Create a free profile, and get 3 quotes from local lawyers.

Get started with
debt enforcement

Upload your claim and get 3 FREE quotes from our local collection partners.

100% free
Get the best price
No-cure-no-pay
Fast collection process
High recovery rate
100%
Risk free
Upload claim!

Insolvency proceedings in Cambodia

If the person you owe money to cannot pay you back, there is a final thing you can do. It is called an insolvency procedure. This means that all of the person's things will be sold and the money will be given to the people he owes in order from most important to least important.

Insolvency Proceedings - Key Takeways
Explore our step-by-step guide for insolvency proceedings
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Collecting cross border claims - Key Takeways
Explore cross border collection options
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Country Risk Rating

Our analysis concludes that the risk of doing business in Cambodia is medium. Based on this medium score, we recommend being careful providing credit and considering charging upfront payment or using credit insurance when trading if you don't know the customer in Cambodia well. If possible, provide a short credit period or even better upfront payment. The medium risk score is based on the following factors:

Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Key Takeways
Explore Payment Trends and DSO
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Explore detailed country risk analysis

The economic risk in Cambodia

Economic risk in Cambodia is high (5 out of 6). An economic risk of 5 out of 6 is relatively high in Asia.

GDP and economic growth are critical drivers for economic risk.
The GDP of Cambodia is 26,96 bn. USD (2021), growing by 3,03% per year.

In terms of the size of its economy, Cambodia ranks #101 out of 183 countries and has a medium-sized economy.

Looking at the growth rate, it is ranked #128 out of 183 countries and is therefore considered an excellent growing economy.

GDP per capita is 1591 USD, ranking Cambodia number #143 out of 183 countries. The result of this is purchasing power of citizens in Cambodia is low compared to the rest of the world.

You get a more detailed idea of GDP and economic growth in Cambodia in the table below:

GDP and economic growthLatest value
Economic growth: the rate of change of real GDP3,03%
Gross Domestic Product, billions of U.S. dollars26,96
GDP per capita, current U.S. dollars1590,96
GDP per capita, Purchasing Power Parity4262,72

Another significant influencer for the economic risk score is the inflation rate and the interest rates. You get a more detailed idea of monetary KPIs in Cambodia in the table below:

Monetary KPI'sLatest value
Inflation: percent change in the Consumer Price Index2,9%

The inflation in Cambodia was 2,9% in 2021 which is considered a low inflation rate.

The business environment risk in Cambodia

Our analysis shows that the business environment risk in Cambodia is high (5 out of 6), which is a high risk score in Asia.

Economic freedom and rights determine the business environment risk in a country. Take a look at the important facts for Cambodia in the table below:

Economic freedom indexLatest value
Property rights index (0-100)40
Freedom from corruption index (0-100)17
Fiscal freedom index (0-100)89
Business freedom index (0-100)31
Monetary freedom index (0-100)75,1
Trade freedom index (0-100)67
Investment freedom index (0-100)50
Financial freedom index (0-100)50
Economic freedom, overall index (0-100)57

In the above table, you can see, the property rights index is 40 in Cambodia, which is considered low in Asia.

The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 31 in Cambodia, a low score for a country in Asia.

Cambodia's overall economic freedom index is 57 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.

The political risk in Cambodia

The political risk in Cambodia is high, with a score of 5/6. This is a relatively high political risk score in Asia.

The governance and political stability indicators are vital drivers for political risk. An overview of Cambodia can be seen in the table below:

Governance and political stability indicators Latest value
Rule of law index (-2.5 weak; 2.5 strong)-0,9
Government effectiveness index (-2.5 weak; 2.5 strong)-0,42
Control of corruption (-2.5 weak; 2.5 strong)-1,18
Political stability index (-2.5 weak; 2.5 strong)-0,13
Corruption Perceptions Index, 100 = no corruption23
Shadow economy, percent of GDP33,85%

The rule of law index analyses to which extent agents have confidence in and abide by the rules of society, in particular the quality of contract enforcement, property rights, the quality of the courts, and the police's ability to enforce court orders.

When transacting business in a country, the rule of law index is critical as it describes your ability to enforce commercial contracts.

In Cambodia, the rule of law index is at -0,9 points, with the score going from -2.5 (weak) to 2.5 (strong). Cambodia has, therefore, a very low rule of law index, which means it is often close to impossible to enforce your contracts. We, therefore, recommend avoiding credits and recommend charging upfront payment instead.

Other drivers for the high political risks are the very weak control of corruption, the weak political stability index, and the large shadow economy that is 33,85% of Cambodia's GDP.

The commercial risk in Cambodia

In Cambodia, the commercial risk score is 2/4, which in our model is a low score. This low commercial risk score is pretty average compared to the average in Asia.

The commercial risk is relying on a country's international trade relationships. You can see some of the key facts for Cambodia in the table below:

International trade and investment Latest value
Exports of goods and services as percent of GDP64,6%
Exports of goods and services, annual growth13,46%
Imports of goods and services as percent of GDP67,61%
Trade balance as percent of GDP-3,01
Trade balance, billion USD-12.7
Foreign exchange reserves, billion currency units20.27

Cambodia has a foreign exchange reserve of 20.27 bn. USD.

Cambodia has a negative trade balance of -3,01% of GDP. This means that Cambodia imports more goods and services than the country exports.

The annual growth of exports of goods and services has been growing 13,46% annually - now 64,6% of GDP. Import of goods and services represents 67,61% of the GDP in Cambodia.

The financing risk in Cambodia

We have calculated the financing risk to be 3/4, which equals a medium risk. A medium financing risk score is pretty average for countries in Asia.

The country's banking system, efficiency, and stability influence the financing risk. You can find the critical facts for Cambodia in the table below:

Banking system efficiency and stabilityLatest value
Index of legal rights for creditors and borrowers (0 = weak to 12 = strong)10
Credit information sharing index, 0 (low) - 8 (high)6

In Cambodia, the credit information sharing index is 6 on a scale from 0 (low) to 8 (high). The result of this is accessibility and quality of credit information available in Cambodia is medium.

This makes it easy for you to understand the credit risk of your counterpart in Cambodia. You should therefore be able to find a good local credit rating agency that can help you analyse the creditworthiness of your specific customers.

Your rights as a creditor are 10 out of 12 and, therefore, very strong.

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Why Debitura is Your Trusted Authority in Debt Collection

At Debitura, we uphold the highest standards of impartiality and precision to bring you comprehensive guides on international debt collection. Our editorial team boasts over a decade of specialized experience in this domain.

By the Numbers:

  • Over 10 years of expertise in international debt collection.
  • Network strength: More than 100 local attorneys worldwide.
  • Recovery success: $100 million in debt recovered for our clients in the last 18 months alone.
  • Client trust: An exceptional average rating of 4.97 out of 5, reflecting feedback from over 600 satisfied clients.

Meet the Author: Robin Tam is the cornerstone of our content's credibility. With 16 years dedicated to international debt collection, Robin's expertise is unparalleled. As a leading partner at Debitura, Robin embodies the knowledge and integrity we stand for.

Contributors to This Guide: In our commitment to accuracy, this article has been reviewed and enhanced by esteemed local attorneys, each bringing their specialized legal insights to ensure the information we provide is thoroughly vetted and current:

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