Debt Collection Agency in Germany – No Win, No Fee

Stop chasing overdue invoices in Germany. Your claims are handled exclusively by ACCS Germany, our licensed local experts who recover your debts—fast, with zero upfront fees. Submit claims in minutes, track real-time updates, and effortlessly get your money back.

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4.97/5 Average rating from 600+ reviews

Why Choose Debitura for Debt Collection in Germany?

  • Licensed Local Experts: Partner exclusively with ACCS Germany, our fully licensed local collection agency based in Monheim am Rhein. Trusted by 120+ international exporters and 3 EU public institutions, ACCS has successfully managed over 15,000 cases across 18 countries, including clients in automotive, technology, and logistics sectors. They navigate cross-border complexities effortlessly, ensuring swift and effective debt recovery.
  • No Win, No Fee Guarantee: Eliminate financial risk with transparent pricing: zero upfront costs and no hidden fees. You pay only when your debts are successfully recovered—providing predictable cash flow and complete peace of mind.
  • Real-Time Transparency & Easy Digital Process: Submit your claims online in minutes, monitor progress 24/7, and receive automated real-time updates. Debitura’s intuitive platform keeps you fully informed and in control, regardless of your location.
  • Professional & Ethical Debtor Engagement: ACCS employs a respectful and regulated approach, prioritizing professional communication to protect your brand reputation and preserve valuable business relationships.
  • Benefits of Using Professional Agencies: Partnering with a professional debt collection agency significantly increases your recovery rates by leveraging specialized negotiation skills, comprehensive debtor tracing, and in-depth knowledge of German commercial and insolvency laws. Professional agencies reduce administrative workload, saving valuable time and resources, allowing you to focus on your core business activities. With end-to-end management—from initial demand letters and dunning to enforcement by bailiffs—agencies provide expert guidance, ensure compliance, and safeguard your company’s reputation.
“Debitura helped us recover €12,000 from a Munich-based supplier in under 30 days—seamless, professional, and fully managed through their online platform.”
CFO, Nordic Trading Group

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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.

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:

Amicable Collection - Key Takeways
Key Benefits

Submit your claim in minutes; our licensed German agency expertly manages amicable collections. Legal escalation is optional, transparent, and clearly communicated. No payment unless your debt is recovered.

Step 1. Quick & Secure Claim Submission 📤

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.

  • 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 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 – 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.

⏳ 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.

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

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.

Our goal is always to achieve successful debt recovery while maintaining valuable, ongoing business relationships for our clients.

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Find a Local Debt Collection Lawyer

Need court-ready representation? Share your case once and receive up to three proposals from vetted litigation attorneys—free, fast, and with no commitment.

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