Debt Collection Agency in Germany – No Win, No Fee

Debt Collection Process in Germany – Clear, Fast & Fully Managed

Debt recovery in Germany requires precise local expertise. Debitura, in exclusive partnership with our licensed German collection agency ACCS Germany, simplifies every step—ensuring maximum efficiency, transparency, and compliance:

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Step 1. Quick & Secure Claim Submission (Forderungsübergabe) 📤

Easily initiate your case in under 2 minutes, using one of our convenient and secure methods:

• Online Dashboard: Directly upload overdue invoices and debtor information quickly.
• REST API Integration: Securely connect your internal finance systems to automate claim submissions.
• ERP Integrations: Seamlessly submit claims via popular ERP platforms such as QuickBooks and Xero.
• Zapier Integration: Automatically transfer claims from over 5,000+ compatible business apps.

⏳ Duration: Immediate submission, instant case activation.

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• ‍Next Steps & Initial Response: Upon submission, our specialists at ACCS Germany promptly review your documentation, confirming completeness and compliance within 24-48 hours. You will receive confirmation of acceptance and details of immediate next actions, including timelines for first debtor outreach.‍
• Data Security & Confidentiality Assured: All communications and documents are handled through secure, SSL-encrypted channels. Debitura and ACCS strictly adhere to GDPR regulations, safeguarding your data at every step.

Step 2. Amicable Collection(Vorgerichtliches Mahnverfahren) by Licensed Experts 🤝

ACCS Germany initiates professional debtor communication:

• Compliant, escalating payment reminders (Mahnschreiben), tailored calls, and respectful negotiations.
• Debtor details verification and potential installment arrangements.
• Strict adherence to German debt transparency laws (Rechtsdienstleistungsgesetz, RDG), ensuring debtors clearly understand their rights, timelines, and obligations at every stage.

⏳ Duration: Typically 15–30 days, depending on debtor responsiveness.

Step 3. Optional Legal Escalation – Gerichtliches Mahnverfahren ⚖️

If amicable collection fails, ACCS seamlessly transitions to Germany’s streamlined judicial payment order process (gerichtliches Mahnverfahren). Uncontested debts typically resolve within 6–8 weeks. For contested or complex cases, Debitura transparently provides up to three competitive quotes from specialized German debt collection attorneys, clearly outlining expected court costs, litigation fees, and timeframes.

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⏳ Duration: 6–8 weeks (uncontested), several months if litigation is contested.

Step 4. Enforcement & Recovery 🏦

After securing an enforceable title (Vollstreckungsbescheid), ACCS Germany pursues enforcement:

• Wage garnishment (Pfändung)
• Bank account seizures
• Bailiff enforcement (on-site visits and asset seizure)

Every enforcement action is digitally documented and trackable 24/7 via Debitura’s centralized platform—ensuring complete transparency until your funds are recovered.

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⏳ Duration: Typically 2–4 weeks, varying by debtor circumstances.

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German Debt Collection Laws & Compliance 🇩🇪

Debt collection in Germany operates under a stringent and clearly defined legal framework designed to protect creditors and debtors alike. Key legislation includes:

• Rechtsdienstleistungsgesetz (RDG): This law mandates that debt collection activities can only be performed by fully licensed agencies or qualified attorneys. It ensures strict adherence to professionalism and ethical conduct throughout the collection process.
• German Civil Code (Bürgerliches Gesetzbuch, BGB) §§ 286–288: These provisions outline the conditions for debtor default (Verzug). Notably, debtors automatically enter default 30 days after invoice receipt if informed of this consequence, per §286. Once in default, statutory interest rates apply—9% above the base rate for commercial debts, defined in §288 BGB.
• Code of Civil Procedure (Zivilprozessordnung, ZPO): Governs judicial procedures including the efficient gerichtliches Mahnverfahren (judicial payment order procedure). This streamlined process (§§ 688–703d ZPO) provides creditors a rapid route to an enforceable title (Vollstreckungsbescheid) without prolonged litigation for uncontested claims.
• General Data Protection Regulation (GDPR) and Bundesdatenschutzgesetz (BDSG): Debt collection activities must comply with stringent data protection rules, ensuring debtor data confidentiality and security at all times.

This robust framework provides transparency, predictability, and compliance, positioning Debitura and ACCS Germany to efficiently and lawfully handle your debt recovery needs.

Relationship-Preserving Collection Approach

At Debitura, we understand that maintaining positive business relationships during the debt collection process is crucial. Together with our local partner, ACCS Germany, we prioritize preserving your relationships with debtors through:

• Professional & Respectful Communication: Highly trained collection experts communicate clearly, respectfully, and neutrally, reducing friction and protecting your brand reputation.
• Flexible Payment Solutions: Offering structured payment plans or mediation options helps debtors fulfill obligations without damaging future business relationships.
• Transparency & Fairness: Clear, multilingual communication ensures debtors fully understand their rights, the timeline, and the steps involved, significantly reducing disputes and enhancing cooperation.
• Ethical Standards & Training: Our collection practices strictly adhere to German regulations (RDG), GDPR compliance, and professional ethics, ensuring respectful treatment and safeguarding your reputation.

Want to learn more about how to collect debt in Germany? Then read our new 2025 legal guide on debt collection in Germany.

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