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

Recovering your debt in Indonesia is easiest this way.
Debitura specializes in debt recovery in Indonesia, providing a wide range of services such as accounts receivables management, debt collection notices, pre-legal and legal debt collection, and enforcement court proceedings. Our team of experienced professionals possesses in-depth knowledge of Indonesia's debt collection laws and regulations, enabling us to offer efficient and effective solutions to businesses seeking to recover outstanding debts.

Personalized assistance throughout the entire process.

Tailored debt recovery plan.

We have over 500 professionals specializing in debt collection on an international level.

Achieving a 87% success rate at the most affordable cost.
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Debt Recovery Indonesia is a service brand of HADS Partnership which was established in 2005. We focus to help the company in collecting and returning commercial outstanding receivable against bad customer with the most practical, legal and ethic way.
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South East Asia’s leading Fintech company in debt management services. Collectius uses technology and empathy to create the best customer experience and operational excellence to support our customers in becoming debt free. Together with IFC (a member of the World Bank Group and minority shareholder in Collectius), Collectius is actively working on improving industry practices and promoting best resolution practices.
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Sarvasūkṣma is an Indonesian law firm specializing in white-collar crime, corporate and bank finance, capital market and dispute resolution. Our lawyers have been working with domestic and international clients for more than a decade and are recognized by our clients as strategic partners with deep commercial instincts and a commitment to creatively anticipating their needs and delivering excellence in everything we do. Recently, Sarvasūkṣma is being selected as one of Indonesia’s Firms to Watch by ALB Thomson Reuters and a finalist of Dispute Resolution Boutique Law Firm of the Year for the ALB Indonesia Law Award 2022.
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PRAYOGO ADVOCATEN is an Indonesian law firm that focuses on offering effective and up-to-date legal services to both individuals and organizations. PRAYOGO ADVOCATEN can offer the best resources and referrals, as well as be by your side in situations when you are in way over your head.
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Amir Hamzah & Rekan Law Office ("AHR") is a commercial law office based in West Java, Indonesia, focusing on cross-border corporate commercial and business registration, trade and investment, commercial litigation, IP protection, labour and employment, tax advisory & compliance and customs law, etc.
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Lawyerindo is the one-stop shop platform for all necessary legal and business support for businesses. We are committed to rendering client-oriented, high-standard services with the values of excellence, integrity, and reliability.
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Established in 1980 by two Harvard graduates, Nono Anwar Makarim and Frank Taira Supit, Makarim & Taira S. (M&T) is one of Indonesia’s leading business law firms, offering a full range of corporate, banking, litigation and specialist legal services to national and international clients.
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DHP Law Firm is a well-known law firm based in Jakarta, Indonesia, with over 25 years of experience in providing legal services to clients from various industries. Our team consist of experienced lawyers that committed to delivering effective and efficient legal solutions to meet our client’s need.
The ultimate guide about debt collection in Indonesia
Are you seeking to recover a financial debt from an Indonesian business or customer? We understand the struggle, and we are here for you! Hundreds of other companies have used our services to successfully reclaim debts in Indonesia.
Collecting a debt can be tough when dealing with foreign language barriers, regional customs, laws - not forgetting the sheer distance between countries. But why let that stop you? With us as your collection agency partner who is well-versed in local legalities and norms, it's simpler than ever before to get what’s rightfully yours!
At Debitura, we prioritize people and are committed to getting you your money back while maintaining a positive relationship with customers. Our strategic public relations approach is both balanced and assertive-your reputation remains our utmost concern! If you choose to collect the debt yourself, read this guide for an in-depth understanding of the Indonesian debt collection process from beginning to end. Or if local legal assistance is what works best for you, allow us here at Debitura be there every step of way in recovering your due payments!
Debitura simplifies debt collection in over 200 countries, including Indonesia. Get started now by submitting your claim – we'll respond within 24 hours and provide three free quotations from Indonesian attorneys specializing in debt recovery! Take advantage of our easy-to-use solution today to secure the money you're owed fast. Our unique combination of a people-centric approach and cutting edge technology solutions enables us to exceed expectations and enhance contact management. This well-rounded strategy ensures you get the results needed while ensuring customer loyalty remains intact. Furthermore, we have formed an extensive network including debt collectors, attorneys, suppliers and vendors that share our core values; it doesn't matter the size or scale of the relationship - each one is equally valued by us.
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Begin debt collection in Indonesia today for free by creating a free profile and uploading your case in just two minutes. Start collecting your debt now.
Pre-legal
Our debt collection process begins by utilizing our proven pre-legal recovery method for the first 3 months. We offer a 100% no-cure-no-pay approach.
Legal
If your claim remains unpaid in the pre-legal phase, we offer you 3 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 Indonesia
Are you struggling to recover debt in Indonesia? Look no further, our platform makes it smooth and effortless for Indonesian customers to pay up what they owe.
In the context of debts, the one who is due payment holds the title of "debtor" while those that issued an invoice or loan are known as "creditors". When a creditor takes charge of collecting their own debt, it's called “first-party collection” whereas when another company/entity collects on behalf of someone else, this procedure falls under “third-party collections.”
- In Indonesia, late payments have become more common in recent years despite the average payment terms remaining around 30 days. Domestic legislation ensures compliance and regulates this issue of late payments.
- In Indonesia, lawsuits are famously protracted and expensive. Fortunately, debtors can use the appeals process to prolong proceedings even further. Consequently, orchestrating tailored debt-collection efforts is often the most viable solution.
- The insolvency framework has become more consistent over the past few years, resulting in fewer conflicting rulings. Yet, its efficacy still needs to be validated and put to the test.
Days Sales Outstanding
On average, payments terms in Indonesia have traditionally been around 30 days (2015 figures); however, more recently payment behavior of Indonesian companies has deteriorated and can be delayed up to 20 days on the whole.
Foreign Investment Companies (PMA) generally make reliable payments, provided that they have adequate liquidity and solid cash-flow sources, plus all contractual conditions are satisfied. Likewise, middle to large Private National Companies typically value their reputation above all else and therefore will do their best not to be added to a blacklist or incur credit defaults due to delayed payments.
Short term liquidity issues or undercapitalization can cause difficulty for Small and Medium Enterprises (SMEs) when it comes to payment, while State-Owned Enterprises (SOEs) frequently have a history of being tardy with payments; these are the most likely sources of delay.
Common payment types in Indonesia
In Indonesia, fast and secure bank transfers are becoming increasingly popular as the banking network both domestically and internationally is improving. To ensure export transactions remain protected against any sudden customer insolvency, it's highly recommended to obtain an Export Credit Insurance policy. This will safeguard your investments while maximizing profits.
Allianz Trade’s extensive global network of risk offices assesses the financial stability of your customers, granting them an individual credit limit that you can adhere to in case something goes awry. Furthermore, Standby Letters of Credit (which involve a bank's assurance for the debtor's reimbursement capabilities) and Irrevocable Documentary Letters of Credit (as provided by a debtor's promise to make money available through a banking institution on fulfilling certain predetermined conditions agreed between both parties), may also be taken into account as reliable guarantees.
It is typically possible to secure a bank guarantee if an adequate cash deposit equal to the required guarantee is made, however it can be beneficial to negotiate lower deposits (with 35-40% of transactions paid in advance).
Corporate Structures: A Brief Overview
The legal structures that determine business liability for debts are as follows:
- If you are looking for a business structure that is suitable for small businesses owned and managed by one person, Sole Proprietorship (Perusahaan Dagang, PD) may be the right choice. The owner will be held responsible for all debts of the business. If two or more individuals decide to become partners in their venture, they can opt to register as Commercial Partnerships (Firma), making them both jointly and individually liable for any actions taken by either partner. Alternatively Limited Liability Partnerships (CV) offer limited liability protection under the Limited Liability Partnership Act of 2008.
- Limited Liability Companies (Perseroan Terbatas, PT), governed by the regulations of Law 40/2007, have become hugely popular due to their reasonable minimum capital requirements - approximately EUR 3,000. The shareholder's responsibility for any potential liabilities is limited to that which they contribute. Moreover, a Limited Liability Company must have at least two shareholders in order to be established.
- State Owned Enterprises (SOE) - otherwise known as BUMN companies - are fully owned and operated by government institutions.
- Foreigners may take part in businesses within Indonesia with certain regulations under applicable laws by forming a Foreign Direct Investment limited liability company or creating a joint venture. A PMA (Perusahaan Penanaman Modal Asing) is the local term for any type of foreign investment business. With this arrangement, you can tap into new markets and reach more customers while experiencing the unique culture, resources and opportunities that come with investing abroad. PMA companies are distinct from domestic limited liability companies due to their stricter obligations; they must abide by the foreign investment laws (Law 25/2007 and its respective regulations). The minimum capital needed for a foreign investment company is approximately EU 600,000. Overseas companies can create representative offices in Indonesia for liaison and marketing purposes, yet these offices are disallowed from performing core business duties or engaging in any sort of financial transactions.
The debt collection process in Indonesia
In Indonesia, recovering debt typically involves multiple steps in the collection process.
The image below explains the process we use to collect debt in Indonesia:

1 Upload your claim:
If you want to get your money back from someone who owes you, you can find a debt collection partner. This is a person or company that helps you get your money back. They will usually charge you a fee for their services. You can upload 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:
We will try to contact the person who owes you money. We will use email, text messages, letters, and any other type of communication available. We want the person to either pay the money they owe or agree to a plan to pay it back. If we are successful in getting the person to pay you back, then you will only have to pay a small fee. If we are not successful, then you don't have to pay anything.
3 Evaluation:
If you have not gotten paid after trying to work it out with the person you lent money to, it is time to look at what to do next. We will look at how much money you are owed, the chance of getting paid, and other things to help you decide what is the best thing to do. There are three typical next steps:
A: Surveillance:
If your claim is for less than 2.000-5000€, it is often not worth it to take more legal action. In this case, we recommend "debt surveillance". This means that we will keep trying to talk to your debtor and try to reach an agreement that everyone is happy with.
B: Legal collections:
We suggest that if you have a big problem and want to get money from it, you should start a legal action. The steps you need to take will vary depending on the specifics of your situation. In general, it will take around a year and a half to finish this process.
C: Debt enforcement:
If the person you are claiming 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 get your money.
At Debitura, we make obtaining a company in Indonesia effortless by offering our expertise and guidance throughout each step of the process.
Amicable collection in Indonesia
At Debitura, we make sure that your Amicable collections experience is stress-free and reliable. Submit your claim today and you can expect us to start the process within 24 hours – completely risk-free!
To ensure the best possible results, we will utilize all available channels of communication in Indonesia to contact your debtor - including e-mail, SMS messaging, written letters, phone calls and social media.
Our aim through this process is to:
A) Secure payment in full from the debtor or
B) Obtain acknowledgement of debt and initiate a repayment plan.
If the debtor has rejected your claim, you must bypass any good-faith attempts at resolution and proceed directly to legal collections.
Late payment interest
According to Indonesian law, there is no definitive payment time frame; however, the Civil Code states that any late payments must be compensated with interest by the defaulting party when requested before a court hearing.
In this case, two types of interest are applicable. For starters, a contractual agreement can be set between the parties to stipulate a conventional rate should any payment delays or other obligations breaches occur. In addition to that, in the absence of such an arrangement, legal interest at 6% per annum (bunga moratoir) is mandated by law. To ensure timely payment, it is necessary to begin legal proceedings. The court-calculated interest rate for late payments begins from the date of request, while normal contractually agreed upon rates apply otherwise. In either instance, formalized action must be taken in order to receive compensation.

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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 Indonesia
If your claim does not get settled amicably or is disputed by the debtor, we will give you 3 free quotes from our local debt collection attorneys. Our partner attorney then enters into negotiations with the debtor to reach a payment agreement. If those attempts fail, they can take them to court and obtain a binding legal order in Indonesia that permits enforcement of your claim via an enforcement court.
Ordinary proceedings
To begin the legal dunning process, it is essential to send a certified Demand Letter reminding the debtor of their duty to pay off not just the principal amount but also any associated late payment fees.
When informal collection attempts fail, the creditor may resort to legal action by filing a claim with the District Court. The court will then issue a summons for the debtor and provide an opportunity to enter their statement of defence. If they don't show up on time or in full at this hearing, it is within the court's discretion to organize another one or set forth a default judgment (verstek / verstekvonnis).
Before the court considers a debtor's defence, it must first determine if both parties attempted mediation in accordance with Supreme Court Regulation No. 1 of 2008 which regards Mediation Procedures at Court. If so, then the judges will assess each party’s evidence and thence proceed to render judgement which may include remedies like compensatory or punitive damages.
Civil Law, religious principles and local customs are all in harmony within Indonesia's legal system. According to the Judicial Power law of 2009, various District Courts have been assigned specific roles: Religious Courts usually handle issues related to family matters while Administrative Courts deal with complaints filed against official decisions or took place actions.
Lastly, General Courts typically manage criminal and civil cases while Commercial Courts, located in the five largest District Courts, settle disputes that involve bank liquidation (Law No. 24 of 2004), intellectual property and insolvency claims (Law No. 37 of 2004). The Supreme Court oversees both District and High courts' functioning as appellate courts; furthermore, it is authorized to examine a petition for judicial review against Law / Undang-Undang.
It is important to note that all contracts involving an Indonesian party must be written in Bahasa Indonesia; however, the parties may also opt for bilingual agreements with both Bahasa Indonesia and another language. In 2013, the West Jakarta District Court declared a contract invalid as it wasn't published in Bahasa Indonesia. Although decisions of any Indonesian court isn't binding on other courts, anyone who wishes to enter into contracts with Indonesians should still be aware and observe this rule for their own best interests.
Adhering to the Law on Judicial Power, courts must show impartiality; however, they continue to grapple with corruption and an overall lack of dependability. Though transparency has been a consistent dilemma in this system, the Supreme Court has enacted measures that promote accessibility to information - thus improving stability.
If you're looking to save on costs, the best way to find an affordable lawyer is by comparison shopping. Fortunately for you, Debitura makes it easy; all it takes are a few clicks and within minutes, you can get multiple quotes from different attorneys based on the complexity and size of your claim. Start saving money today with Debitura!

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 Indonesia
To ensure your claim in Indonesia is enforced, you should obtain a written acknowledgement of your claim from the debtor or an official court order. Then, leverage the power of Indonesia's bailiff court to make it happen!
When a judgment is made and all avenues of appeal are finished, or if the parties have accepted it without appealing, then it can be enforced. If the debtor neglects to satisfy this judgement, they may request that the District Court issue an execution order for asset attachment and sale through public auction.
The cost and procedure of each case is unique. Upload your claim to Debitura for three personalised quotes within a day! Let us provide you with the perfect solution that fits specific requirements at an affordable price.

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 Indonesia
When your debtor is unable to pay their debts, you can initiate an insolvency procedure as a last resort. This process ensures that the debtors' assets are liquidated and distributed amongst creditors in accordance with payment priorities.
- In Indonesia, informal debt restructuring is a renegotiation of a contract between the parties, and has many advantages compared to the difficulties in enforcing any security that the creditor may have obtained.
- A range of options are available in this process, including but not limited to interest rate reductions, debtor rescheduling and the granting of additional securities.
- The debtor retains the ability to manage the company (under the supervision of a court-appointed Administrator and a Supervisory Judge) during insolvency proceedings.
- If creditors approve composition plan put forth by debtor, Commercial Court ratifies it after receiving written report from Supervisory Judge, and plan becomes binding on all parties except dissenting secured creditors.
- If composition plan is rejected by creditors or court: insolvency proceedings commence; receiver appointed to manage estate; proceeds distributed according priority rules set by law with tax debts being repaid first followed post-insolvency financing claims then employees' claims then unsecured creditors' claims last.
Our analysis has shown that the risk of doing business in Indonesia 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 Indonesia 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 Indonesia
Our conclusion based on the economic risk factors, is that the economic risk in Indonesia is medium-high (4 out of 6). An economic risk of 4 out of 6 is pretty average in Asia.
GDP and economic growth are critical drivers for economic risk.
The GDP of Indonesia is 1186.09 bn. USD (2021), growing by 3.69% per year.
In terms of the size of its economy, Indonesia ranks #17 out of 183 countries and has a large economy.
Having a view at the growth rate, it is ranked #109 out of 183 countries and is therefore considered an excellent growing economy.
GDP per capita is 4292 USD, ranking Indonesia number #106 out of 183 countries. The result of this is purchasing power of citizens in Indonesia is around the average compared to all other countries.
You can see a more throughout picture of GDP and economic growth in Indonesia in the table below:
Another critical driver for the economic risk score is the inflation rate and the interest rates. You can see a more throughout picture of monetary KPIs in Indonesia in the table below:
The inflation in Indonesia was 1.6% in 2021 which is considered a very low inflation rate.
Businesses has an interest rate which is 8.92%.
The business environment risk in Indonesia
Our analysis shows that the business environment risk in Indonesia is medium-high (4 out of 6), which is a pretty average risk score in Asia.
Economic freedom and rights determine the business environment risk in a country. You can see the critical facts for Indonesia in the table below:
As you can see in the table, the property rights index is 59 in Indonesia, which is considered quite low in Asia.
The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 71 in Indonesia, a pretty average score for a country in Asia.
Indonesia's overall economic freedom index is 67 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.
The political risk in Indonesia
The political risk in Indonesia is medium-high, with a score of 4/6. This is a pretty average political risk score in Asia.
The governance and political stability indicators are critical drivers for political risk. An overview of Indonesia can be seen in the table 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 Indonesia, the rule of law index is at -0.22 points, with the score going from -2.5 (weak) to 2.5 (strong). Indonesia has, therefore, a low rule of law index, which means it often is very difficult to enforce your contracts. We, therefore, recommend avoiding credits and recommend charging upfront payment instead.
Other drivers for the medium-high political risks are the very weak control of corruption, the very weak political stability index, and the medium-large shadow economy that is 21.76% of Indonesia's GDP.
The commercial risk in Indonesia
In Indonesia, the commercial risk score is 1/4, which in our model is a very low score. This very low commercial risk score is low 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 Indonesia in the table below:
Indonesia has a foreign exchange reserve of 144.91 bn. USD.
Indonesia has a positive trade balance of 2.7% of GDP. This means that Indonesia imports fewer goods and services than the country exports.
The annual growth of exports of goods and services has been growing 24.04% annually - now 21.56% of GDP. Import of goods and services represents 18.86% of the GDP in Indonesia.
The financing risk in Indonesia
We have calculated the financing risk to be 2/4, which equals a low risk. A low financing risk score is relatively low for countries in Asia.
The country's banking system, efficiency, and stability influence the financing risk. Additional facts and info can be found for Indonesia in the table below:
In Indonesia, the credit information sharing index is 8 on a scale from 0 (low) to 8 (high). The result of this is accessibility and quality of credit information available in Indonesia is high.
This makes it easy for you to understand the credit risk of your counterpart in Indonesia. You would be able to find a good local credit rating agency that can help you analyse the creditworthiness of your specific customers.
Your legal rights as a creditor (and as a borrower) are 6 out of 12 and, therefore, weak.
The low financing risk for creditors also impacts the high interest rate in the private sector of 8.92%.
Debt Collection in Indonesia: Frequently Asked Questions
In Indonesia, debt collection typically involves multiple steps in the collection process. First-party collection is when a creditor takes charge of collecting their own debt, while third-party collection is when another company/entity collects on behalf of someone else. Recovering debt in Indonesia can be challenging as lawsuits can be protracted and expensive. Debtors can also use the appeals process to prolong proceedings. It is recommended to use a debt collection partner who can evaluate your case and provide tailored debt-collection efforts for the best chance of success.
In Indonesia, the debt collection process has 3 main steps: pre-legal collection, legal debt collection, and debt enforcement. Pre-legal collection involves contacting the debtor and trying to reach an agreement. Legal collection involves starting legal action, which can take around a year and a half to finish. Debt enforcement is where you can go to the bailiff's court to get your money. At Debitura, we guide you through each step of the process to help you obtain your debt.
If your claim goes unsettled or is disputed, you can seek the help of local debt collection attorneys who can take the debtor to court and obtain a binding legal order in Indonesia. Legal actions typically require a local lawyer, and if the debt is disputed, a civil lawsuit is required. In addition to debt enforcement, insolvency proceedings are also an option. In insolvency proceedings, assets of the debtor are liquidated and distributed among creditors according to payment priorities.
The cost of debt collection in Indonesia largely depends on the type of service you require. Debitura offers a no-cure-no-pay model for pre-legal collection, with a success fee between 10-20%. Legal actions' price varies depending on your specific case and desired actions, but we can provide you with 3 quotes from the best debt collection lawyers in Indonesia.
The duration of debt collection in Indonesia varies depending on the debtor and the case. If the case can be resolved in the pre-legal phase, it can take 3-6 months. However, if legal actions are necessary, it typically takes 12-18 months. The specific timeline will depend on the circumstances of each case.