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

Recovering debt in Georgia is easiest using this method.
Debitura is a debt recovery specialist in Georgia, offering a variety of services such as accounts receivables management, debt collection notices, pre-legal and legal debt collection, and enforcement court proceedings. Our experienced professionals possess knowledge of the Georgia debt collection laws and regulations, providing businesses with efficient and effective debt recovery solutions.

Receive continuous support throughout the entire process.

A tailored debt recovery plan.

We have a team of over 500 professionals specializing in international debt collection.

Achieving a success rate of 87% while maintaining the lowest possible cost.
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The law firm "Tbilisi Law" is founded by experienced and professional lawyers who legally secure your business activities. We are a responsible, experienced, and flexible team that loves to fight and achieve successful results.
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GCLO - Guram Chaduneli Law Office is a result-orientated law firm that offers corporations, as well as private persons full-scale legal assistance in civil, administrate, and criminal laws in Georgian, English and German languages.
The ultimate guide about debt collection in Georgia
If you have money that someone else owes you in Georgia, you are in the right place. We have helped hundreds of other businesses get their money back from people who owe them.
Collecting a debt in Georgia can be hard. There are challenges with language and culture, different laws, and being far away. But it is easier to get your money back when you use a collection agency that knows the country and its laws where the person who owes you money lives.
At Debitura, we put people first. This means that 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 understand the Georgian debt collection process from beginning to end, continue reading this guide. But if you would prefer working with a local law firm that specializes in debt recovery in Georgia, we can help you with that too.
At Debitura, we make it easy for you to collect your debt in Georgia and other countries. To get started, upload your claim onto our website. We will take a look at it and provide you with three free quotes from local debt collection lawyers within 24 hours. We use both people and technology to get the best results and to manage contact information well. This comprehensive method gets the results you need while preserving customer relationships. In addition, our network of debt collectors, attorneys, suppliers and vendors are important relationships that allows us to get the job done. We value each of these relationships, no matter how small or large.
Upload claim
Collect your debt in Georgia with ease. Get started for free by creating a profile and uploading your case in just two minutes.
Pre-legal
Our pre-legal recovery process has proven to be effective in collecting claims. We offer a no-cure-no-pay policy for the first 3 months.
Legal
If your claim remains unpaid 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 Georgia
If you have trouble getting people to pay you back for money they owe you in Georgia, don't worry. We can help you get paid by your Georgian customers. The person who owes the debt is called the debtor, and the person who issued the debt or invoice is called the creditor. If the 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 Georgia
The debt collection process in Georgia usually happens in more than one step.
The image below explains our standard process for collecting debt in the Georgia:

1 Upload your claim:
If you want to find someone to help you get your money back, you will start by finding a debt collection partner and uploading your claim to their website. If you use Debitura, we will provide you with 3 quotes from local partners in the Asia country relevant to your case. This is 100% free - no strings attached.
2 Amicable collection:
When you owe someone money, they will try to contact you in different ways to remind you that you need to pay them back. This is called a campaign. They will try to reach you by email, SMS, letter, and other ways. The goal is to get you to pay the money back or at least start a plan to pay it back. Debitura offers a no-cure-no-pay solution for amicable collection, which means that you only have to pay a small success fee if we are able to recover your debt. Amicable collections with Debitura are therefore 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 typical next steps:
A: Surveillance:
If your claim is for less than 2,000-5,000 euros, it might not be worth it to take any more legal action. In this case, we recommend "debt surveillance." This means that we will keep trying to reach out to the person you owe money to and try to agree on a friendly settlement.
B: Legal collections:
It is a good idea to begin a legal process if you have a big claim. The steps you need to take will be different depending on the type and amount of your claim. Usually, it takes around a year and a half for the entire process to be finished.
C: Debt enforcement:
If the person you are suing has agreed that you are right, or if a judge has said you are right, you can ask the bailiff to help you get your money.
At Debitura, we can help you with all three steps in Georgia.
Amicable collection in Georgia
Debitura offers 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 Georgia through different ways, such as email, text messages, letters, phone calls, and social media.
The goal is to:
A) Get the debtor to pay the full amount all at once.
B) Get the debtor to agree that they owe the money and start a payment plan.
If the person you think owes you money says they do not owe you money, you cannot try to work it out without going to court.

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 Georgia
If the person you are claiming money from has not paid you during the first phase or if they disagree that they owe you money, we will give you 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 Georgia . This payment order can then be used to enforce your claim via enforcement court.

Get started with
legal debt collection
Upload your claim and get 3 FREE quotes from our local collection partners.
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Debt enforcement in Georgia
If you have a written acknowledgement of your claim from the debtor or a court order, you can use the bailiff's court to enforce your claim in Georgia.
The process and cost of this will be different depending on your case. You can upload your case onto Debitura to get three specific quotes within 24 hours.

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 Georgia
If the person who owes you money can't pay, you can do something called an insolvency procedure. This means selling their things to raise money to pay back creditors.
Our analysis concludes that the risk of doing business in Georgia 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 Georgia well. If possible, provide a short credit period or even better upfront payment. The medium risk score is based on the following factors:
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The economic risk in Georgia
Economic risk in Georgia is very high (6 out of 6). An economic risk of 6 out of 6 is high in Asia.
GDP and economic growth are critical drivers for economic risk.
The GDP of Georgia is 18,7 bn. USD (2021), growing by 10,36% per year.
In terms of the size of its economy, Georgia ranks #113 out of 183 countries and has a medium-sized economy.
Looking at the growth rate, it is ranked #20 out of 183 countries and is therefore considered a fast-growing economy.
GDP per capita is 5042 USD, ranking Georgia number #95 out of 183 countries. This means the purchasing power of citizens in Georgia is pretty average compared to all the countries in the world.
You get a more detailed idea of GDP and economic growth in Georgia in the table below:
Another big impact for the risk score is the inflation rate and the interest rates. You get a more detailed idea of monetary KPIs in Georgia in the table below:
The inflation in Georgia was 9,6% in 2021 which is considered a high inflation rate.
The interest rate for businesses is 12,51%.
The business environment risk in Georgia
Our analysis shows that the business environment risk in Georgia is low (2 out of 6), which is a low risk score in Asia.
Economic freedom and rights determine the business environment risk in a country. The critical facts for Georgia in the table below:
As you can see in the table, the property rights index is 67 in Georgia, which is considered pretty average in Asia.
The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 85 in Georgia, a decent score for a country placed in Asia.
Georgia's overall economic freedom index is 77 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.
The political risk in Georgia
The political risk in Georgia is very high, with a score of 6/6. This is a high political risk score in Asia.
The governance and political stability indicators are vital drivers for political risk. An overview of Georgia can be seen in the data 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 doing business in a country, the rule of law index is critical as it describes your ability to enforce commercial contracts.
In Georgia, the rule of law index is at 0,17 points, with the score going from -2.5 (weak) to 2.5 (strong). Georgia 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 very high political risks are the average control of corruption, the very weak political stability index, and the very large shadow economy that is 53,07% of Georgia's GDP.
The commercial risk in Georgia
In Georgia, 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 impacted by a country's international trade relationships. You can see some of the key facts for Georgia in the table below:
Georgia has a foreign exchange reserve of 4.27 bn. USD.
Georgia has a negative trade balance of -15,54% of GDP. The implications of this is that Georgia imports more goods and services than the country exports.
The annual growth of exports of goods and services has been growing 24,97% annually - now 43,08% of GDP. Import of goods and services represents 58,63% of the GDP in Georgia.
The financing risk in Georgia
We have calculated the financing risk to be 4/4, which equals a high risk. A high financing risk score is high for countries in Asia.
The country's banking system, efficiency, and stability influence the financing risk. You can find the extra information for Georgia in the table below:
In Georgia, the credit information sharing index is 8 on a scale from 0 (low) to 8 (high). This means the accessibility and quality of credit information available in Georgia is high.
This makes it easy for you to understand the credit risk of your counterpart in Georgia. Based on this, it should be possible to 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 9 out of 12 and, therefore, strong.
The high financing risk for creditors also impacts the high interest rate in the private sector of 12,51%.
Debt Collection in Georgia: Frequently Asked Questions (FAQ)
In Georgia, debt collection usually happens in multiple steps. The creditor can collect it himself (first-party collection) or outsource it to a third party (third-party collections). The process typically includes uploading your claim, amicable collection, and evaluation. Depending on your claim's size, payment likelihood, and other factors, the next steps can be surveillance, legal collections, or debt enforcement. At Debitura, we can help you with all three steps in Georgia. Our services are 100% risk-free for amicable collection, with a small success fee.
The debt collection process in Georgia typically involves pre-legal collection, legal debt collection, and debt enforcement. You start by uploading your claim to a debt collection partner's website. The partner will then try to reach out to the debtor through various means in the amicable collection phase. If unsuccessful, the next step involves evaluating the claim, and possible options including debt surveillance, legal collection, or debt enforcement. Debitura can assist in all three steps in Georgia.
If your debt is disputed in Georgia, you'll need to take legal action. This involves a civil lawsuit, and debt enforcement and insolvency proceedings may also be necessary. To navigate these processes, you'll need a local lawyer. Our platform can provide you with free quotes from experienced debt collection attorneys to help you recover what is owed to you.
Debt collection cost in Georgia depends on your case and desired actions. Debitura offers a no-cure-no-pay model for pre-legal collection with a success fee between 10-20%. For legal actions, the cost varies. However, we can provide you with 3 quotes from the best debt collection lawyers in Georgia.
The time it takes for debt collection in Georgia varies depending on the debtor and the case. If the issue can be resolved in the pre-legal phase, it usually takes 3-6 months. However, if legal action is necessary, the process may take longer, typically 12-18 months. The timeframe for debt collection ultimately depends on the specific circumstances of the case.