Top-Rated Debt Collection Agency in Mozambique
Fast and reliable debt collection in Mozambique - no upfront costs, only pay for success. Request a FREE Consultation or upload your claim today.
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Recovering your debt in Mozambique is easiest through this option.
Debitura is a specialist in debt recovery within Mozambique. We have a team of experienced professionals who offer a comprehensive range of services, such as accounts receivables management, debt collection notices, pre-legal and legal debt collection, and enforcement court proceedings. We specialize in Mozambique debt collection laws and regulations, providing efficient and effective solutions to help businesses recover outstanding debts.
Receive comprehensive assistance throughout the entire process, from beginning to end.
Tailored debt recovery approach.
We have a team of over 500 experts specialized in debt collection on an international level.
Achieving a 87% success rate with the lowest possible cost.
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Alexandre Chivale & Associados - Sociedade de Advogados was founded by Alexandre Chivale, a lawyer with extensive experience in Mozambique, offering excellent quality legal advice services,
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The ultimate guide about debt collection in Mozambique
If you are owed money by a business or customer in Mozambique, you have come to the right place! We have helped hundreds of other businesses get their debt back in Mozambique.
It can be very hard to get people to pay you back in Mozambique. There are lots of reasons why this is hard, like different languages and customs, and also because Mozambique is far away from most places.
When you use a collection agency that knows the laws and customs of the country where the person you owe money to lives, it is simpler to get your money back.
At Debitura, we always put people first. This means that we will 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 you want to understand the Mozambican debt collection process from beginning to end, continue reading this guide. If you prefer working with a local law firm that specializes in debt recovery in Mozambique, we are here to help.
At Debitura, we have a easy way for you to get your money that someone owes you from Mozambique and +192 other countries. You can start today by uploading your claim. We will look at your case and give you 3 free quotes from local debt collection lawyers in Mozambique within 24 hours. We have a people-oriented approach combined with the latest tech-driven solutions to get results and provide better contact management. This method gets the results you need while preserving customer relationships. In addition, our network of debt collectors, attorneys, suppliers and vendors are relationships that allow us to get the job done. We value each of these relationships, no matter how small or large.
Upload claim
Begin the debt collection process in Mozambique now with no charge. Simply make a free account and submit your case in under 2 minutes.
Pre-legal
Our proven pre-legal recovery process will be implemented for the first 3 months to collect your claim. Our service operates with a no-cure-no-pay policy with a 100% success rate.
Legal
"If your claim remains unpaid during the pre-legal stage, our local debt collection attorneys will offer you 3 quotes."
24/7 updates
You get access to our online portal where you can track your case in real-time
Introduction to collecting debt in Mozambique
Do you have trouble getting people to pay you back in Mozambique? Do not worry; we can help you get paid by your customers in Mozambique.
The person who owes money is called the debtor. The person who the money is owed to is called the creditor. If the creditor collects the debt themselves, it's called first-party collection. If the creditor gets someone else to help collect the debt, it's called third-party collections.
The debt collection process in Mozambique
The debt collection process in Mozambique usually happens in more than one step. The picture below shows the standard way to collect debt in Mozambique:
1 Upload your claim:
Unless you want to get your money back yourself, you will start by finding a company that collects debts. You will give them information about the money you are owed, and they will try to get the money for you. If you use Debitura, we will give you 3 quotes from local companies in the African country where your case is. This is free - you do not have to pay anything.
2 Amicable collection:
The collection process begins with sending reminders to the person who owes you money. This is called a campaign. The reminders go through email, SMS, letter, and other ways to communicate in the specific country. The goal is to get the debtor to pay or acknowledge the debt and start a payment plan. Debitura offers a no-cure-no-pay solution for amicable collection. This means that you only pay a small success fee if we recover your debt. Amicable collections with Debitura are 100% risk-free!
3 Evaluation:
If the person you are owed money from has not paid you after you have tried to work it out, it is time to decide what to do next. We will look at how much money you are owed, the chance of getting paid, and other factors to help you decide what to do. There are three typical next steps:
A Surveillance:
If you are owed less than 2.000-5000€, it is often not worth it to take more legal actions. In this case, we recommend "debt surveillance", where we will keep asking your debtor for the money and try to agree on a payment plan.
B: Legal collections:
It's a good idea to go through the legal system if you have a big problem that needs to be solved. The steps you need to take will depend on what your problem is and how big it is. Usually, it takes around a year and a half to finish the process.
C: Debt enforcement:
If the person you are owed money from has said that they owe you money or if there is a court order, you can go to the bailiff's court to get your money.
At Debitura, we can help you with all three steps in Mozambique.
Amicable collection in Mozambique
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 get started on it within 24 hours.
We will contact your debtor in Mozambique using all available methods, which may 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 or
B) get the debtor to agree that they owe money and start a plan to pay it back
If the person you are trying to get money from has said that they do not owe you money, you cannot try to resolve this problem without going to court.
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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 Mozambique
If the person you are trying to get money from has not paid you during the first stage or if they dispute your claim, we will give you 3 free quotes from local attorneys. In the second stage, our local attorney will try to negotiate a payment with the person you are trying to get money from. If that does not work, our partners can go to court and get an order that says the person owes you money. This order can then be used to force the person to pay you via enforcement court.
Legal fees depend on how complicated and big your case is. To get the best price, ask for quotes from more than one lawyer. You can do this easily by using Debitura.
Get started with
legal debt collection
Upload your claim and get 3 FREE quotes from our local collection partners.
Debt enforcement in Mozambique
If you have a written acknowledgement of your claim from the debtor or a court order, you can use the bailiff's court in Mozambique to enforce your claim.
The process and how much it costs varies depending on your situation. You can upload your case onto Debitura to get 3 quotes from different people within 24 hours.
Get started with
debt enforcement
Upload your claim and get 3 FREE quotes from our local collection partners.
The analysis is concluding that the risk of doing business in Mozambique is medium-high. Based on this medium-high score, we recommend always charging upfront payment or using credit insurance when trading with customers in Mozambique, as it may be very difficult to get paid. The medium-high risk score is based on the following factors:
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The economic risk in Mozambique
Our conclusion based on the economic risk factors, is that the economic risk in Mozambique is very high (6 out of 6). An economic risk of 6 out of 6 is relatively high in Africa.
GDP and economic growth are critical drivers for economic risk.
The GDP of Mozambique is 16,1 bn. USD (2021), growing by 2,22% per year.
In terms of the size of its economy, Mozambique ranks #121 out of 183 countries and has a medium-sized economy.
In terms of growth rate, it is ranked #141 out of 183 countries and is therefore considered a slow-growing economy.
GDP per capita is 500 USD, ranking Mozambique number #173 out of 183 countries. The result of this is purchasing power of citizens in Mozambique is low compared to the rest of the world.
You can see a more detailed picture of GDP and economic growth in Mozambique 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 detailed picture of monetary key performance indicators in Mozambique in the table below:
The interest rate for businesses is 18,17%.
The business environment risk in Mozambique
Our analysis shows that the business environment risk in Mozambique is high (5 out of 6), which is a pretty average risk score in Africa.
Economic freedom and rights determine the business environment risk in a country. Take a look at the important facts for Mozambique in the table below:
As you can see in the table, the property rights index is 30 in Mozambique, which is considered low in Africa.
The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 55 in Mozambique, a quite average score for a country in Africa.
Mozambique's overall economic freedom index is 52 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.
The political risk in Mozambique
The political risk in Mozambique is very high, with a score of 6/6. This is a relatively high political risk score in Africa.
The governance and political stability indicators are important drivers for political risk. An overview of Mozambique 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 transacting business in a country, the rule of law index is critical as it describes your ability to enforce commercial contracts.
In Mozambique, the rule of law index is at -1,04 points, with the score going from -2.5 (weak) to 2.5 (strong). Mozambique has, therefore, a very low rule of law index, which means it is often close to impossible to enforce your contracts. We, therefore, recommend avoiding credits and recommend charging upfront payment instead.
Other drivers for the very high political risks are the very weak control of corruption, the very weak political stability index, and the large shadow economy that is 30,98% of Mozambique's GDP.
The commercial risk in Mozambique
In Mozambique, 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 Africa.
The commercial risk is relying on a country's international trade relationships. You can see some of the key facts for Mozambique in the table below:
Mozambique has a foreign exchange reserve of 3.78 bn. USD.
The financing risk in Mozambique
We have calculated the financing risk to be 4/4, which equals a high risk. A high financing risk score is relatively high for countries in Africa.
The country's banking system, efficiency, and stability influence the financing risk. Additional facts and info can be found for Mozambique in the table below:
In Mozambique, the credit information sharing index is 4 on a scale from 0 (low) to 8 (high). The result of this is accessibility and quality of credit information available in Mozambique is medium.
This makes it not that easy for you to understand the credit risk of your counterpart in Mozambique. Unless you have found a good source for credit ratings or know your specific customers well, we suggest charging payment upfront or using credit insurance.
Your legal rights as a creditor (and as a borrower) are 1 out of 12 and, therefore, very weak.
The high financing risk for creditors also impacts the high interest rate in the private sector of 18,17%.
Debt Collection in Mozambique: Answers to Commonly Asked Questions
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To collect debt in Mozambique, you can either do it yourself (first-party collection) or outsource it to a third-party collector. The process typically involves sending reminders to the debtor via email, SMS, or letter. If the debtor doesn't pay or acknowledge the debt, you can decide whether to do debt surveillance or take legal action. If there's a court order or admission of debt, you can seek debt enforcement. Debitura can assist you with all steps in Mozambique, including offering free quotes from local collection companies.
The debt collection process in Mozambique usually happens in three steps: pre-legal collection, legal debt collection and debt enforcement. First, you upload your claim and a company will try to collect the debt amicably. If that doesn't work, the company will evaluate your case and recommend debt surveillance, legal collections or debt enforcement. Debitura can help you with all three steps in Mozambique.
If a debt is disputed in Mozambique, a civil lawsuit is necessary for legal collection. Legal action may also entail debt enforcement and insolvency proceedings. It is recommended to obtain a local lawyer to help with the legal proceedings. Debitura can provide 3 free quotes from local attorneys, and you should compare quotes to find the best price for your case.
The cost of debt collection in Mozambique varies depending on the specifics of your case. Debitura offers pre-legal collection with a no-cure-no-pay model and a success fee between 10-20%. Legal actions are priced based on your circumstances, but Debitura can provide you with 3 quotes from top debt collection lawyers in Mozambique to help you decide.
The length of time it takes for debt collection in Mozambique depends on the particular debtor and the specific case. If the issue can be resolved in the pre-legal phase, the process usually takes around 3-6 months. However, if legal actions must be taken to collect the debt, this process can take anywhere from 12-18 months.
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