Top-Rated Debt Collection Agency in Chad

Fast and reliable debt collection in Chad - no upfront costs, only pay for success. Request a FREE Consultation or upload your claim today.

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4.97/5 Average rating from 600+ reviews
WHY USE DEBITURA? 

Recovering your debt in Chad is most easily done this way.

Debitura specializes in debt recovery services in Chad, and our team of experts provides a diverse range of solutions, including accounts receivables management, debt collection notices, legal and pre-legal debt collection, and enforcement court proceedings. We understand the laws and regulations in Chad concerning debt collection and leverage this knowledge to help businesses recover outstanding debts in a timely and effective manner.

Receive unwavering support throughout the entire process.

Tailored collection approach

We have a team of over 500 experts who specialize in international debt collection.

We achieve a success rate of 87% at the most affordable cost.

INTRODUCING OUR LEGAL PARTNERS: Top Debt Collection Lawyers in Chad
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The ultimate guide about debt collection in Chad

If you have money that someone else owes you from Chad, you are in the right place. We have helped many other businesses get their money back from people who owe them. It can be very difficult to get money back from someone in Chad because of the language barrier, different laws and customs, and because it is far away. But it is easier to get your money back when you use a collection agency that knows the laws and customs of Chad.

At Debitura, we always put people first. This means that we will do everything we can to get your money back, while still trying to preserve a good relationship with the person who owes you money. Our strategic public relations efforts are always fair but firm- which means that making sure your reputation is good is our top priority! If you want to collect the debt yourself and learn more about the process from beginning to end, continue reading this guide. However, if you would rather work with a local law firm that specializes in debt recovery in Chad, we can help you with that too.

New to debt collection?
The debt collection process can be complex and daunting for those new to it. Our team of experts is here to help you understand the process and navigate it with ease. Get free expert advice on your specific case, provided by our team of experienced professionals.

At Debitura, we make it easy for you to collect money that someone owes you in Chad and over 190 other countries. To get started, upload your claim today. We will take a look at your case within 24 hours and then give you 3 different quotes from local debt collection lawyers in Chad. We work hard to manage customer relationships and get the results you need. We use the latest technology to help us and we have a network of people who can help us too, like debt collectors, attorneys, suppliers and vendors. We appreciate all of these relationships and we know they are important.

We work with the following process: 
1

Upload claim

Begin the process of collecting your debt in Chad today at no cost. Simply create a free profile and upload your case in just 2 minutes.

2

Pre-legal

We will attempt to collect your debt using our effective pre-legal recovery process for the initial 3 months. Our service is completely contingency-based, meaning we only get paid if we successfully recover your debt.

3

Legal

In case your claim remains unpaid during the pre-legal phase, we'll offer you three quotes from our local debt collection attorneys.

4

24/7 updates

You get access to our online portal where you can track your case in real-time

Introduction to collecting debt in Chad

Do you have a hard time getting paid by your Chadian customers? Do not worry; we make it easy for you to collect debt in Chad. When collecting debt in Chad, 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”.

The debt collection process in Chad

The debt collection process in Chad typically involves multiple steps.

The image below explains our standard process for collecting debt in the Chad:

1 Upload your claim:

If you want someone to help you get your money back, you will first need to find a company who does this. You can give them your information, and if you use Debitura, we will give you three different quotes from companies who work in the country where your case is. This service is free - meaning there is no extra cost for using it.

2 Amicable collection:

The collection process begins with sending reminders to the person who owes you money. This is called a campaign. The reminders go through email, SMS, and other ways people can get messages in the country where the debtor lives. The goal is to get the debtor to pay or agree that they owe the money and start a plan to pay it back. Debitura offers a no-cure-no-pay solution for amicable collection, which means 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 the person you are owed money from has not paid you back after you have talked to them, it is time to look at what to do next. We will look at how much money you are owed, the chance of getting paid back, and other things to help you decide what the best next step is. There are three common next steps:

A: Surveillance:

If you are owed less than 2.000-5000€, it is not often worth it to take legal action. In this case, we recommend "debt surveillance". This means that we will keep trying to contact the person who owes you money and try to reach an agreement.

B: Legal collections:

We suggest beginning the legal process for bigger problems. The way the process goes will depend on what kind of problem you have and how big it is. Usually, it takes around a year and a half to finish the process.

C: Debt enforcement:

If the person you are owed money from has said that they will pay you or if you have a court order, you can go to the bailiff's court to get your money.

At Debitura, we can help you with all three steps in Chad.

5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
“Thanks to Debitura, our outstanding debts in Chad were recovered swiftly and efficiently through their expert debt collection services. We highly recommend their services for any debt collection needs in Chad!”
Fathia Mahamat - Business Development Officer
5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
“We were struggling with unpaid invoices in Chad until we found Debitura. Their expertise in debt recovery Chad is outstanding. They handled the situation professionally and efficiently, and we received our payments quickly. We highly recommend Debitura!”
Abdoulaye Maïga - Procurement director
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

Amicable collection in Chad

At Debitura, we offer a 100% risk-free and efficient process for Amicable collections. This means that you can submit your claim to us, and we will get started on it within 24 hours.

We will contact your debtor through different methods in Chad. This might include email, text messages, letters, phone calls, or social media.

The goal of this is to:

A) Get them to pay the full amount
B) Get them to agree that they owe the money, and start a plan to pay it back

If the person you owe money to says they do not owe you money, you cannot try to resolve this peacefully. You must go directly to legal collections.

Get started with
amicable debt collection

Upload your claim and get started with our 100% no-cure-no-pay collection solution.

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

Debt enforcement in Chad

If you have written proof that the person you are suing owes you money, or a court order, you can go to the bailiff's court in Chad to get your money.

The process and how much it costs varies depending on your situation. You can upload your case onto Debitura. They will give you three different quotes to choose from within 24 hours.

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 Chad

If your debtor cannot pay his or her debts, you can start an insolvency procedure. The goal of this is to sell the debtor's assets and give the money to the creditors.

Chad country risk profile

We have examined Chad's critical financial data and extrapolated a risk assessment. You can use this analysis to evaluate your payment terms and manage your risk when trading with customers in Chad.

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

Our analysis has shown that the risk of running a business in Chad is high. Based on this high score, we recommend always charging upfront payment or using credit insurance when trading with customers in Chad, as it may be very difficult to get paid. The high risk score is based on the following factors:

Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Business Risk:
6
Business Risk:
6
Business Risk:
6
Business Risk:
6
Business Risk:
6
Business Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Commercial Risk:
2
Commercial Risk:
2
Commercial Risk:
2
Commercial Risk:
2
Financing Risk:
4
Financing Risk:
4
Financing Risk:
4
Financing Risk:
4

The economic risk in Chad

Economic risk in Chad is very high (6 out of 6). An economic risk of 6 out of 6 is relatively high in Africa.

GDP and economic growth are critical drivers for economic risk.
The GDP of Chad is 11,78 bn. USD (2021), growing by -1,2% per year.

In terms of the size of its economy, Chad ranks #136 out of 183 countries and has a small economy.

In terms of growth rate, it is ranked #165 out of 183 countries and is therefore considered a declining economy.

GDP per capita is 696 USD, ranking Chad number #164 out of 183 countries. This means the purchasing power of citizens in Chad is low compared to the rest of the world.

You can see a more throughout picture of GDP and economic growth in Chad in the table below:

GDP and economic growthLatest value
Economic growth: the rate of change of real GDP-1,2%
Gross Domestic Product, billions of U.S. dollars11,78
GDP per capita, current U.S. dollars696,42
GDP per capita, Purchasing Power Parity1447,81

Another big impact for the risk score is the inflation rate and the interest rates. You can see a more throughout picture of monetary key performance indicators in Chad in the table below:

Monetary KPI'sLatest value
Inflation: percent change in the Consumer Price Index-0,8%

The inflation in Chad was -0,8% in 2021 which is considered a very low inflation rate.

The business environment risk in Chad

Our analysis shows that the business environment risk in Chad is very high (6 out of 6), which is a high risk score in Africa.

Economic freedom and rights has a big influence on the business environment risk in a country. Take a look at the important facts for Chad in the table below:

Economic freedom indexLatest value
Property rights index (0-100)28
Freedom from corruption index (0-100)21
Fiscal freedom index (0-100)45
Business freedom index (0-100)25
Monetary freedom index (0-100)76,7
Trade freedom index (0-100)52
Investment freedom index (0-100)60
Financial freedom index (0-100)40
Economic freedom, overall index (0-100)50

As you can see in the table, the property rights index is 28 in Chad, which is considered low in Africa.

The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 25 in Chad, a low score for a country in Africa.

Chad's overall economic freedom index is 50 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.

The political risk in Chad

The political risk in Chad is very high, with a score of 6/6. This is a relatively high political risk score in Africa.

The governance and political stability indicators are critical drivers for political risk. An overview of Chad can be seen in the data below:

Governance and political stability indicators Latest value
Rule of law index (-2.5 weak; 2.5 strong)-1,33
Government effectiveness index (-2.5 weak; 2.5 strong)-1,42
Control of corruption (-2.5 weak; 2.5 strong)-1,48
Political stability index (-2.5 weak; 2.5 strong)-1,34
Corruption Perceptions Index, 100 = no corruption20
Shadow economy, percent of GDP28,76%

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 trading with businesses in a country, the rule of law index is critical as it describes your ability to enforce commercial contracts.

In Chad, the rule of law index is at -1,33 points, with the score going from -2.5 (weak) to 2.5 (strong). Chad 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 very high political risks are the very weak control of corruption, the very weak political stability index, and the large shadow economy that is 28,76% of Chad's GDP.

The commercial risk in Chad

In Chad, 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 Africa.

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

International trade and investment Latest value
Exports of goods and services as percent of GDP38,75%
Exports of goods and services, annual growth-0,36%
Imports of goods and services as percent of GDP44,23%
Trade balance as percent of GDP-5,48

Chad has a negative trade balance of -5,48% of GDP. This means that Chad imports more goods and services than the country exports.

The annual growth of exports of goods and services has been growing -0,36% annually - now 38,75% of GDP. Import of goods and services represents 44,23% of the GDP in Chad.

The financing risk in Chad

We have calculated the financing risk to be 4/4, which equals a high risk. A high financing risk score is relatively high for countries in Africa.

The country's banking system, efficiency, and stability influence the financing risk. Additional facts and info can be found for Chad in the table below:

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

In Chad, the credit information sharing index is 0 on a scale from 0 (low) to 8 (high). The result of this, is that the access and trustworthiness of the credit information in Chad is very low.

This makes it very difficult for you to understand the credit risk of your counterpart in Chad. Unless you have a strong relationship with your customers in Chad, we highly recommend charging payment upfront or using credit insurance.

Your rights as a creditor are 6 out of 12 and, therefore, weak.

Chad Debt Collection: Frequently Asked Questions.

How does debt collection work in Chad?

Debt collection in Chad involves first-party or third-party collections, where the debtor owes money to the creditor. The debt collection process in Chad goes through various stages such as uploading the claim, amicable collection, evaluation, surveillance, legal collections, and debt enforcement. Debitura offers a risk-free solution for amicable collection and can help with all three steps in Chad. If the debt is less than 2.000-5000€, debt surveillance might be recommended, and for bigger problems, legal collections are suggested.

What is the debt collection process in Chad?

The debt collection process in Chad typically involves three steps: pre-legal collection, legal debt collection, and debt enforcement. The process begins with reminders to the debtor via email, SMS, or other means. If the debtor doesn't pay, the next step is evaluation to decide the best course of action. This can include debt surveillance, legal collections, or debt enforcement for larger debts or court orders. Debitura offers assistance throughout the entire process in Chad.

What legal options exist for debt collection in Chad?

If a debt is disputed in Chad, a civil lawsuit is necessary. Debt enforcement and insolvency proceedings are also available. However, legal actions require a local lawyer. Our site can provide 3 free quotes from local debt collection attorneys to negotiate with the debtor or go to court and obtain a payment order for enforcement. The cost of legal fees depends on the complexity of the claim, and it's advisable to compare quotes. If a debtor can't pay debts, an insolvency procedure can be initiated to sell assets and compensate creditors.

How much does debt collection cost in Chad?

Debt collection costs in Chad vary depending on the case and desired actions. At Debitura, we offer a no-cure-no-pay model for pre-legal collection with a success fee between 10-20%. For legal actions, the price also depends on your specific case. We can provide you with 3 quotes from the best debt collection lawyers in Chad.

How long does debt collection take in Chad?

The time for debt collection in Chad depends on the specific case and the willingness of the debtor to pay. If resolved during the pre-legal stage, the process usually takes 3-6 months. However, if legal actions are required, collection time can take 12-18 months. Factors like complexity of the case and debtor's financial situation can also impact the duration of debt collection.