Top-Rated Debt Collection Agency in Czechia
Fast and reliable debt collection in Czechia - no upfront costs, only pay for success. Request a FREE Consultation or upload your claim today.

Recovering your debt in Czechia is made simple with this method.
Debitura specializes in debt recovery services in Czechia. Our team of experienced professionals offers a broad range of services such as accounts receivables management, debt collection notices, pre-legal and legal debt collection, and enforcement court proceedings. Given our expertise in Czechia's debt collection laws and regulations, we provide effective solutions to businesses looking to recover outstanding debts.

We provide unwavering assistance throughout the entire process.

Tailored debt recovery approach.

We have a team of over 500 experts specializing in debt collection on a global scale.

Our debt collection service boasts a success rate of 87%, all while maintaining the lowest cost available.
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Reliable, professional and modern law firm for your debt collection
The ultimate guide about debt collection in Czechia
Do you have a money problem with a business or customer in Czechia? We can help you. We have helped hundreds of businesses in Czechia get their money back.
It might seem impossible to get people to pay you money that they owe you from Czechia. There are lots of challenges, like different languages and customs, and laws that are different from what we have here. Plus, it is really far away!
Getting your money back is easier when you use a collection agency that knows the laws and customs of the country where the person who owes you money lives.
At Debitura, we always put people first. We do everything we can to get your money back while still preserving a good relationship with your customer. Our strategic public relations efforts are fair, but firm-ensuring your reputation is our top priority!
If you want to collect the debt yourself and understand the Czechian debt collection process from start to finish, continue reading this guide. If you prefer working with a local law firm specialising in debt recovery in Czechia, we are here to help.
Debitura is a website that helps you collect money that people owe you. You can start by uploading your claim. We will look at it and give you 3 quotes from debt collection lawyers in Czechia within 24 hours. We use a people-oriented approach with the latest tech-driven solutions to get better results. This method helps us to manage our contacts better. In addition, we have a network of people who help us with debt collection, attorney services, supplies, and more. We appreciate all of these relationships and value them equally.
Upload claim
Get your debt collection process started today in Czechia without any charges. Sign up for a free account, and submit your case in just a couple of minutes.
Pre-legal
Our pre-legal recovery process has a proven track record for the first 3 months of attempting to collect your claim. We operate on a no-cure-no-pay basis, meaning you don't pay unless we succeed.
Legal
If your debt has not been paid during the pre-legal phase, we offer you three quotes from our local debt collection attorneys.
24/7 updates
You get access to our online portal where you can track your case in real-time
Introduction to collecting debt in Czechia
Do you have a hard time getting people to pay you back for money they owe you in Czechia? Do not worry; we make it easy for you to get paid by your Czechian customers.
In Czechia, the person who owes money is called the debtor, and the person who gave them the money is called the creditor. If the creditor collects the debt themselves, it's called first-party collection. If they give someone else to collect it for them, that's third-party collections.
- When domestic companies need to make a payment, they usually do it on time. However, sometimes there might be a delay in payments.
- The court system is complicated. Some people say it is not fair because you cannot see what is happening and it is not independent. Also, legal proceedings take too long and cost too much money. And enforcing court decisions can be difficult.
- When the debtor has become insolvent, debt-renegotiation mechanisms are inefficient and liquidation is the default procedure, meaning the chances of collecting the debt are extremely poor.
Days Sales Outstanding (DSO)
Domestic companies usually make their payments on time and in Czech Republic, they normally pay within 40 days, even though the payment terms are only for 30 days.
Common payment types in Czechia
The most common ways to pay for something are:
Sepa bank transfers are a type of payment that is becoming more popular because it is fast and secure. This type of payment is also supported by an international and domestic banking network.
Overall, you can get a standard bank guarantee pretty easily. But it's better to negotiate a down payment (20% of deals have one of these). If someone doesn't pay their bills, that's how you figure out they owe you money. And you can use the Payment Order procedure to get the money from them quickly. But sometimes people don't have enough money or assets to cover their guarantees, so those methods aren't always effective.
Main corporate structures
Who is responsible for business debts? This is decided by legal structures. For example, a sole proprietorship is when one person owns the business and is responsible for all the debts.
- Limited liability companies (Společnost S Ručením Omezeným - SRO) are most commonly used for small and medium sized businesses because they may be created by a single shareholder with a minimum capital of CZK 1. This type of company operates with very simplified procedures (no board). Shareholders are only liable for the company’s obligations to the extent of their capital contribution.
- A Joint-Stock Company is a company that is owned by more than one person. This type of company is usually used for large companies. Capital requirements are higher (about EUR 78,000) and a supervisory board must be set up. Shareholders are not responsible for the company’s obligations.
- Foreign investors usually set up branch offices that operate as the local representative of a foreign parent company in the country. The branch’s activities must be registered with the Commercial Register.
The debt collection process in Czechia
The process of collecting debt in Czechia usually happens in multiple steps. The image below shows the standard process for collecting debt in Czechia:

1 Upload your claim:
If you want someone to help you get your money back, you need to find a debt collection partner. This is a person or company that will try to get the money for you. They will charge you a fee, but it is worth it because they will probably be successful. If you use Debitura, we will give you 3 quotes from different partners in Europe. This service is free - there are no hidden costs.
2 Amicable collection:
The collection process typically begins with sending friendly reminders to your debtor via email, SMS, letter and all other available communication channels 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, where you only 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 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 typicall next steps:
A Surveillance:
If you are owed less than 2,000-5,000 euros, it is often not 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:
It's a good idea to use a legal process if you have a big claim. The specific steps you need to take will depend on what you're claiming and how much it's worth. Usually, it takes about a year and a half to finish the process.
A legal process is a way of getting a resolution for a claim through a legal system. It's common to start a legal process when the claim is big and has a high value. However, the specific steps of the process will be determined by the nature of the claim and how much the claim is worth. This process is often a time-consuming one and typically takes around 12 to 18 months to conclude.
C: Debt enforcement:
If the debtor has agreed that you are owed money, or if the court has said you are owed money, you can ask the bailiff to help you get the money.
At Debitura, we can help you with all three steps in Czechia.
Amicable collection in Czechia
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 start working on it within 24 hours.
We will contact your debtor through different ways in Czechia. This 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.
Late Payment Interest
The Recast Directive 2011/7/EU said that people in the EU must pay for things they bought within 60 days. In June 2013, this became a law in Czech Republic. But unlike other countries in the EU, people in Czech Republic can agree to wait more than 30 days to pay, as long as it is fair and justified. This means that people can agree to wait up to 60 days to pay. If you don't pay your bill on time, you may have to pay interest. This must be agreed upon in a contract. If not, the law says that interest may be calculated using the 'repo rate' set by the National Czech Bank, plus at least 8 percentage points.
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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 Czechia
If you have not been paid during the amicable phase or if the debtor disagrees with your claim, we will provide you with 3 free quotes from our local debt collection attorneys. In the legal phase, our local attorney will reach out to your debtor and try to negotiate a payment. Our partners can also go to court and get a payment order via the legal system in Czechia. This payment order can then be used to enforce your claim via enforcement court.
Ordinary proceedings
If the debt is certain and undisputed, it is possible to have proceedings that aim to get a Payment Order quickly.
If the debtor has been given a final chance to perform (seven days), and they don't do it, then the court can get involved. The judicial process in Czech Republic is mostly about looking at the evidence that the parties provide. But sometimes there are also hearings. The courts would usually give remedies in the form of compensatory damages, performance orders, or declaratory judgments, but punitive damages do not exist under Czech law.
Like we said before, it is a good idea to avoid having Czech domestic tribunals because the process is usually very slow and expensive.
In Czech Republic, there are different types of courts. Some handle commercial disputes. In practice, the legal process is slow and it might take years to get a final decision.
The amount of money you will need to pay a lawyer depends on how big and complicated your claim is. To get the best price, it is a good idea to ask different lawyers for their prices so that you can compare them. You can do this easily by using Debitura.
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legal debt collection
Upload your claim and get 3 FREE quotes from our local collection partners.
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Debt enforcement in Czechia
If the person you are asking for money from has written that they will give you the money, or if a judge has said they will give you the money, you can go to the bailiff's court in Czechia to get your money.
A judgment is final when all appeal venues have been exhausted. This means the debtor must satisfy the court decision. If they do not, law enforcement may take their assets.
It usually takes a long time to make someone obey a judgment, unless there is a professional executor who is in charge. There is a new law that became effective in 2013 that says only professional executors can make someone obey a judgment in commercial cases.
The way to do this and how much it will cost differs depending on your situation. You can upload your information onto Debitura, and you will receive 3 different quotes based on your claim within 24 hours.
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Get started with
debt enforcement
Upload your claim and get 3 FREE quotes from our local collection partners.
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Insolvency proceedings in Czechia
If the person you owe money to cannot pay their debts, you can start a insolvency procedure. The goal of this is to get rid of the person's assets and give them to the people they owe money to in order of importance.
- There are no specific out-of-court mechanisms in the law.
- Reorganization is a method of resolving insolvency that aims at preserving the debtor’s business.
- Insolvent debtors may initiate a reorganization process, but debt restructuration proposals must be approved by the majority of secured and unsecured creditors.
- In practice, the courts are reluctant to approve moratoriums, and debt renegotiation proceedings are not known for being efficient.
- Bankruptcy liquidation is the final process by which the claims of creditors are proportionately settled out of the proceeds of the sale of debtor’s estate.
- The administrator is normally entitled to review and cancel any suspected legal action deemed detrimental to creditors conducted by debtor up to six months prior to declaration of bankruptcy.
European Late Payment Directive in Czechia
Czechia is part of the European Union, so the 2011/7/EU Directive on combating late payments across Europe in commercial transactions applies to Czechia.
The main parts of the directive are as follows:
- Public authorities cannot require payment terms of more than 30 days.
- Private businesses cannot require that payment be made more than 60 days after the purchase.
- If the person who owes you money is a business, you can charge them an extra fee of €40 for paying late.
- The interest rate for late payments must be at least 8% above the European Central Banks reference rate.
The Danish government is a part of the European Union (EU). This means that the government cannot make rules that are not as good for creditors as the rules that exist for the whole EU.
The analysis is concluding that the risk of conducting business in Czechia is low. Based on this low score, You can feel reasonably confident that you will be able to get paid when trading with customers in Czechia. Nonetheless, we always recommend doing a specific credit analysis on an individual customer basis before offering any credit. The low risk score is based on the following factors:
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The economic risk in Czechia
Our conclusion based on the economic risk factors, is that the economic risk in Czechia is low (2 out of 6). An economic risk of 2 out of 6 is relatively low in Europe.
GDP and economic growth are critical drivers for economic risk.
The GDP of Czechia is 282,34 bn. USD (2021), growing by 3,34% per year.
In terms of the size of its economy, Czechia ranks #46 out of 183 countries and has a medium-sized economy.
Having a view at the growth rate, it is ranked #119 out of 183 countries and is therefore considered an excellent growing economy.
GDP per capita is 26378 USD, ranking Czechia number #36 out of 183 countries. This means the purchasing power of citizens in Czechia is high compared to the rest of the world.
You can see a more throughout picture of GDP and economic growth in Czechia in the table below:
Another significant influencer for the economic risk score is the inflation rate and the interest rates. You can see a more throughout overview of monetary data points in Czechia in the table below:
The inflation in Czechia was 3,8% in 2021 which is considered a low inflation rate.
The interest rate for businesses is 3,2%.
The business environment risk in Czechia
Our analysis shows that the business environment risk in Czechia is very low (1 out of 6), which is a relatively low risk score in Europe.
Economic freedom and rights determine the business environment risk in a country. You can see the critical facts for Czechia in the table below:
As you can see in the table, the property rights index is 76 in Czechia, which is considered pretty average in Europe.
The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 69 in Czechia, a pretty average score for a country in Europe.
Czechia's overall economic freedom index is 74 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.
The political risk in Czechia
The political risk in Czechia is low, with a score of 2/6. This is a pretty average political risk score in Europe.
The governance and political stability indicators are critical drivers for political risk. An overview of Czechia 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 Czechia, the rule of law index is at 1,13 points, with the score going from -2.5 (weak) to 2.5 (strong). Czechia has, therefore, a very high rule of law index, which means you have a very good chance of enforcing your contracts. If your individual customers have good creditworthiness, you should therefore feel relatively safe when providing credit.
Other drivers for the low political risks are the average control of corruption, the average political stability index, and the normal shadow economy that is 10,47% of Czechia's GDP.
The commercial risk in Czechia
In Czechia, 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 influenced by a country's international trade relationships. You can see some of the key facts for Czechia in the table below:
Czechia has a foreign exchange reserve of 173.62 bn. USD.
Czechia has a positive trade balance of 3,05% of GDP. What this means is that Czechia imports fewer goods and services than the country exports.
The annual growth of exports of goods and services has been growing 5,12% annually - now 72,58% of GDP. Import of goods and services represents 69,53% of the GDP in Czechia.
The financing risk in Czechia
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. Additional facts and info can be found for Czechia in the table below:
In Czechia, the credit information sharing index is 7 on a scale from 0 (low) to 8 (high). This means the accessibility and quality of credit information available in Czechia is medium-high.
This makes it easy for you to understand the credit risk of your counterpart in Czechia. You would be able to find a good local credit rating agency that can help you analyse the creditworthiness of your specific customers.
Your juridical rights as a creditor are 7 out of 12 and, therefore, medium.
The very low financing risk for creditors also impacts the medium interest rate in the private sector of 3,2%.
Debt collection in Czechia: Frequently Asked Questions
In Czechia, debt collection typically involves sending friendly reminders to debtors through various communication channels. If the debtor fails to pay or acknowledge the debt, the next steps involve evaluating the claim and deciding between debt surveillance, legal collection, or debt enforcement. Legal proceedings can take up to 18 months to resolve, and debt enforcement involves the help of a bailiff. Debitura offers a free service to connect you with a debt collection partner for easy debt recovery in Czechia.
The debt collection process in Czechia consists of three steps: pre-legal collection, legal debt collection, and debt enforcement. First, the collection partner will try to get the debtor to pay or start a payment plan. If unsuccessful, evaluation of the next steps will be done, including surveillance or legal collection. If agreed or court-ordered, debt enforcement can be used. Debitura offers assistance for all three steps in Czechia.
If the debt is certain and undisputed, in Czechia it is possible to have proceedings that aim to get a Payment Order quickly. However, if the debt is disputed, a civil lawsuit would be required. Insolvency proceedings can also be initiated if the debtor cannot pay their debts. Legal actions require a local lawyer and the processes can be slow and expensive. Our local debt collection attorneys can provide you with 3 free quotes to help navigate the legal phase of debt collection in Czechia.
"At Debitura, our pre-legal debt recovery services operate on a no-cure-no-pay basis with a success fee between 10-20%. The costs for legal actions depend on the specifics of your case and desired actions; however, we can provide you with 3 quotes from the top debt collection lawyers in Czechia."
The length of debt collection in Czechia is dependent on the debtor and the case. If it can be sorted in the pre-legal phase, the process usually takes 3-6 months. However, if legal actions are required, it can take 12-18 months to collect the debt.