Top-Rated Debt Collection Agency in Croatia
Fast and reliable debt collection in Croatia - no upfront costs, only pay for success. Request a FREE Consultation or upload your claim today.
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Recover your debt in Croatia effortlessly with our services.
Debitura specializes in debt recovery services in Croatia. Our team of experienced professionals provides a comprehensive suite of services, which includes accounts receivables management, debt collection notices, pre-legal and legal debt collection, and enforcement court proceedings. Our expertise in Croatia debt collection laws and regulations allow us to offer efficient and effective solutions to businesses looking to recover outstanding debts.
We provide continuous support throughout the entire process.
Tailored debt recovery plan.
We have a team of over 500 experts who specialize in international debt collection.
Achieving a 87% success rate, our debt collection services come at the most affordable cost.
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Legal services based on trust, client-centered approach and a long family tradition of practicing law.
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Our office offers you a personalized and helpful approach as we tailor the plan of legal representation according to individual customer needs. We have a great passion for justice and helping our clients get what they want.
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Hraste & Partners provide a wide range of legal services: legal opinions, consulting and legal representation in the area of civil law, real estate, enforcement, labor law, family law, tax, commercial, criminal law, copyright and intellectual property law.
The ultimate guide about debt collection in Croatia
If you have money that you are owed from a business or person in Croatia, we can help you get your money back! We have helped hundreds of other businesses get their money back from people who owe them, and we can help you too.
It can seem impossible to collect a debt in Croatia. Language, cultural differences, and laws in another country, and distance all make it very hard.
If you use a collection agency that knows the laws and customs of the country where the person you owe money to lives, it will be easier to get your money back.
At Debitura, we always put people first. We do everything we can to get your money back while still keeping a good relationship with your customer. Our PR efforts are always fair and firm- making sure your reputation is our top priority! If you want to learn more about how to collect debt in Croatia yourself, keep reading this guide. If you would rather work with a local law firm that specializes in debt recovery in Croatia, we can help you with that too.
At Debitura, we make it easy for you to collect debts owed to you in Croatia and in 192 other countries. To get started, upload your claim on our website. We will review your case within 24 hours and provide you with 3 free quotes from local debt collection lawyers in Croatia. We use both people and technology to get the results you need, while still maintaining good relationships with customers. In addition, we have a network of people who we work with closely, including debt collectors, attorneys, and suppliers. We value all of these relationships equally.
Upload claim
Get started with debt collection in Croatia today at no cost. Simply create a free profile and upload your case in just 2 minutes to begin the process.
Pre-legal
Our pre-legal recovery process is known to be effective, and we'll use it to try to collect your claim for the first 3 months. Plus, we only charge if we succeed – 100% no-cure-no-pay.
Legal
If your debt remains unpaid in the pre-legal phase, we'll give you three quotes from our nearby debt collection lawyers.
24/7 updates
You get access to our online portal where you can track your case in real-time
Introduction to collecting debt in Croatia
Do you have a hard time getting paid by your Croatian customers? Do not worry; we make it easy for you to collect debt in Croatia.
In Croatia, the person who owes a debt is called "the debtor." The person who gave the debt is called "the creditor." If the original creditor collects the debt himself, it is called "first-party collection." If the creditor gives the process of collecting to someone else, it is called "third-party collections."
The debt collection process in Croatia
In Croatia, we usually follow these steps to collect debt:
1 Upload your claim:
If you want someone to help you get your money back, you will start by finding a company that does this. You will give them some information about the money you are owed and then they will try to get the money for you. If you use Debitura, we will give you 3 different companies to choose from who can help you get your money back. This service is free - there is no charge.
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 communication in the specific country. The goal is to get the debtor to pay or acknowledge the debt and start a payment plan. We offer a no-cure-no-pay solution for amicable collection, which means that you only pay us a success fee if we recover your debt. Amicable collections with Debitura are 100% risk-free!
3 Evaluation:
If you have not received payment after trying to work things out amicably, it is time to evaluate the next steps. We will look at the size of your claim, the payment probability and other factors to guide you in take the best decision on what to do next. There are three typical next steps:
A Surveillance:
If the amount of money you are owed is below 2,000-5,000 euros, it is not usually 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 who owes you money and try to reach an agreement about how much they will pay you back.
B: Legal collections:
It's a good idea to go through a legal process if you have a big claim. The way you do it can be different depending on what you're claiming and how big it is. Usually, it will take around 1 to 1 and a half years to finish.
In layman terms, If you have a big problem and you want to take legal action, you should start a legal process. However, the steps you need to take depends on what exactly is your claim and how big the claim is. It's important to know that this process takes around a year and half to finish, but it can vary based on the situation.
C: Debt enforcement:
If the person you are trying to get money from has said that they owe you money, or if there is a court order saying they owe you money, you can go to the bailiff's court to try and get your money.
At Debitura, we can help you with all three steps in Croatia.
Amicable collection in Croatia
At Debitura, we offer a 100% risk-free and very efficient process for Amicable collections. This means that you can submit your claim to us, and we will get started within 24 hours.
We will reach out to your debtor in Croatia using all of the channels we have available, which might include email, text messages, letters, phone calls, and social media.
The goal of this process is to either:
A) Get the debtor to pay the full amount
B) Get the debtor to agree that they owe the money and start a plan to pay it back
If the person you are trying to get money from has disputed your claim, you cannot start with an amicable resolution. This means you must start directly with legal collections.
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Get started with
amicable debt collection
Upload your claim and get started with our 100% no-cure-no-pay collection solution.
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Legal collection in Croatia
If the person you are asking for money from has not paid you, or if they say they do not owe you money, we will give you 3 free quotes from local debt collection attorneys. In the legal phase, our local attorney will talk to your debtor and try to get them to agree to a payment. Our partners can also go to court and get an order that says the debtor owes you money. This order can then be used to make the debtor pay you.
Different lawyers charge different prices for their services. To get the best price, we recommend that you get multiple quotes so that you can compare prices. You can do this easily by using Debitura.
Get started with
legal debt collection
Upload your claim and get 3 FREE quotes from our local collection partners.
Debt enforcement in Croatia
If you have proof that the person you are suing owes you money, or a court order, you can go to the bailiff's court in Croatia to get your money.
The process and cost of getting money back for your home repairs varies depending on your situation. You can upload your case to Debitura, and within 24 hours, you will get three specific quotes based on your claim.
Get started with
debt enforcement
Upload your claim and get 3 FREE quotes from our local collection partners.
European Late Payment Directive in Croatia
Croatia is in the European Union, so the Directive 2011/7/EU on combating late payments across Europe applies.
The directive includes the following:
- Public authorities cannot require payment terms of more than 30 days.
- Private companies cannot require payment terms of more than 60 days.
- If the person who owes you money is a business, you can charge them an extra fee of €40 for paying late.
- If you are late on payments, the interest rates must be at least 8% higher than the European Central Banks reference rate.
The Danish government is a part of the European Union (EU). This means that the government cannot make local rules that would be unfavorable for creditors when compared to other EU countries.
Our analysis concludes that the risk of doing business in Croatia is medium-low. Based on this medium-low 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 Croatia well. If possible, provide a short credit period or even better upfront payment. The medium-low risk score is based on the following factors:
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The economic risk in Croatia
Our conclusion based on the economic risk factors, is that the economic risk in Croatia is medium-high (4 out of 6). An economic risk of 4 out of 6 is relatively high in Europe.
GDP and economic growth are critical drivers for economic risk.
The GDP of Croatia is 67,84 bn. USD (2021), growing by 10,45% per year.
In terms of the size of its economy, Croatia ranks #73 out of 183 countries and has a medium-sized economy.
Looking at the growth rate, it is ranked #19 out of 183 countries and is therefore considered a fast-growing economy.
GDP per capita is 17399 USD, ranking Croatia number #46 out of 183 countries. This means the purchasing power of citizens in Croatia is high compared to the rest of the world.
You can see a more detailed picture of GDP and economic growth in Croatia in the table below:
Another huge impact for the economic risk score is the inflation rate and the interest rates. You can see a more detailed picture of monetary KPIs in Croatia in the table below:
The inflation in Croatia was 2,6% in 2021 which is considered a low inflation rate.
The business environment risk in Croatia
Our analysis shows that the business environment risk in Croatia is low (2 out of 6), which is a pretty average risk score in Europe.
Economic freedom and rights has a big influence on the business environment risk in a country. You can see the critical facts for Croatia in the table below:
As you can see in the table, the property rights index is 68 in Croatia, which is considered quite low in Europe.
The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 56 in Croatia, a low score for a country in Europe.
Croatia's overall economic freedom index is 64 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.
The political risk in Croatia
The political risk in Croatia is medium, with a score of 3/6. This is a relatively high political risk score in Europe.
The governance and political stability indicators are important drivers for political risk. An overview of Croatia can be seen in the graphs below:
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 Croatia, the rule of law index is at 0,3 points, with the score going from -2.5 (weak) to 2.5 (strong). Croatia has, therefore, a medium rule of law index, which means it should be possible to enforce your contracts. If possible, we still recommend charging payment upfront or working with credit insurance for larger deals.
Other drivers for the medium political risks are the weak control of corruption, the average political stability index, and the medium-large shadow economy that is 22,96% of Croatia's GDP.
The commercial risk in Croatia
In Croatia, the commercial risk score is 2/4, which in our model is a low score. This low commercial risk score is relatively low compared to the average in Europe.
The commercial risk is impacted by a country's international trade relationships. You can see some of the key facts for Croatia in the table below:
Croatia has a foreign exchange reserve of 28.31 bn. USD.
Croatia has a negative trade balance of -0,96% of GDP. This means that Croatia imports more goods and services than the country exports.
The annual growth of exports of goods and services has been growing 33,31% annually - now 51,4% of GDP. Import of goods and services represents 52,36% of the GDP in Croatia.
The financing risk in Croatia
We have calculated the financing risk to be 1/4, which equals a very low risk. A very low financing risk score is relatively low for countries in Europe.
The country's banking system, efficiency, and stability influence the financing risk. You can find the extra information for Croatia in the table below:
In Croatia, the credit information sharing index is 5 on a scale from 0 (low) to 8 (high). The consequence of that number, is that the access and quality of credit information available in Croatia is medium.
This makes it not that easy for you to understand the credit risk of your counterpart in Croatia. Unless you have found a good source for credit ratings or know your specific customers well, we suggest charging payment upfront or using credit insurance.
Your rights as a creditor are 5 out of 12 and, therefore, weak.
Debt Collection in Croatia: Frequently Asked Questions (FAQ)
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In Croatia, debt collection usually involves the debtor (person who owes debt) and creditor (person who gave debt). The creditor can either collect the debt themselves or hire a third-party collections agency. The debt collection process typically involves uploading the claim, attempting amicable collections, evaluation, and potentially legal action or debt enforcement. Debitura can assist with all three steps in Croatia, including a no-cure-no-pay solution for amicable collections.
In Croatia, the debt collection process usually involves three steps: pre-legal collection, legal debt collection, and debt enforcement. This process starts with uploading your claim to a company that can help you recover the money owed. They will start with friendly reminders to the debtor, followed by evaluation of the next steps. Depending on the size of the claim, the company may recommend debt surveillance, legal collections, or debt enforcement. Debitura can assist with all three steps in Croatia.
If a debt is disputed, a civil lawsuit is necessary for debt collection in Croatia. Additionally, debt enforcement and insolvency proceedings may also be options. It is important to note that legal actions require the assistance of a local lawyer. Debitura can provide 3 free quotes from local debt collection attorneys to assist with the legal phase of debt collection.
Debitura offers a no-cure-no-pay model for pre-legal debt collection with a success fee of 10-20%. The cost of legal actions depends on your case, and we can offer 3 quotes from the top debt collection lawyers in Croatia. Please contact us for a personalized quote.
The length of time for debt collection in Croatia depends on the debtor and the case at hand. If it can be resolved in the pre-legal phase, it may take 3-6 months. However, if legal measures are necessary, the process can take 12-18 months. Ultimately, it will depend on the specific circumstances of the debt and the debtor's willingness to cooperate.
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