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

Recover your debt in Paraguay easily.
Debitura is a specialist in Paraguay debt recovery, offering a comprehensive range of services by a team of experienced professionals. Services include accounts receivables management, debt collection notices, pre-legal and legal debt collection, and enforcement court proceedings. Our expertise in Paraguay debt collection laws and regulations allows us to provide efficient and effective solutions to help businesses recover outstanding debts.

Receive consistent and unwavering support throughout the entire process.

Tailored debt recovery approach.

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

Our success rate of 87% is achieved at the most affordable cost.
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We specialize in extrajudicial and judicial collections with a long trajectory and with optimal results for clients in the recovery of both cases.
The ultimate guide about debt collection in Paraguay
If you have a financial claim against someone in Paraguay, we can help. We have helped hundreds of businesses recover debt in Paraguay.
Collecting a debt in Paraguay can be difficult because of the language and cultural barriers, foreign laws and customs, and distance. But it is simpler when you use a collection agency that knows the laws and customs of that country.
At Debitura, we always try to help you get your money back while still being friendly with the person who owes you money. We are always fair in everything we do, and our number one goal is to make sure your reputation is good! If you want to learn more about how to collect debt yourself in Paraguay, keep reading this guide. If you would rather work with a local law firm that specializes in this kind of thing, we can help you with that too.
At Debitura, we help you collect money that people owe you. Get started today by uploading your claim. We will look at it and provide you with 3 free quotes from local debt collection lawyers in Paraguay within 24 hours. We use a people-oriented approach with the latest tech-driven solutions to drive results and provide better contact management. This comprehensive method gets the results you need while preserving customer relationships. In addition, our network of debt collectors, attorneys, suppliers and vendors are cherished relationships that allows us to get the job done. We value each of these relationships, no matter how small or large.
Upload claim
Begin collecting your debt in Paraguay today at zero cost. Simply create a free profile and upload your case in as little as 2 minutes.
Pre-legal
During the first 3 months, we use our reliable pre-legal recovery process to try to collect your claim. If we are successful, we will charge a fee based on a no-cure-no-pay model.
Legal
If your claim remains unpaid during the pre-legal phase, we offer you three 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 Paraguay
Do you have a hard time getting paid by your Paraguayan customers? We can help you. When collecting debt in Paraguay, the party who owes the debt is called “the debtor”, and the party who has issued the debt or invoice is called “the creditor”. If the original 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 Paraguay
In Paraguay, the process of collecting debt usually happens in more than one step.
The image below explains our process for collecting debt in Paraguay:

1 Upload your claim:
If you want someone to help you with your debt, you will need to find a debt collection partner. You can upload your claim to their website. Debitura can help you by giving you 3 quotes from local partners in the South America country where your case is happening. This service is free - you don't need to pay anything.
2 Amicable collection:
The collection process begins with sending reminders to the debtor through email, SMS, letter and other ways 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, where you only pay a small success fee if we recover your debt. Amicable collections with Debitura are risk-free!
3 Evaluation:
If the person you are owed money from has not paid you back after you have talked to them, it is time to decide what to do next. We will look at how much money you are owed, the chance of getting paid back, and other factors to help you decide what to do. There are three common next steps:
A: Surveillance:
If your claim is worth less than 2,000-5,000 Euros, it's often not worth it to take further legal action. In this case, we recommend "debt surveillance." This means we will keep trying to contact the person you owe money to and try to reach an agreement about payment.
B: Legal collections:
We suggest beginning a formal legal procedure for bigger complaints. The specific procedure will vary based on the category and size of your complaint. Generally, it will take around one to one and a half years to complete.
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, you can have the bailiff help you get the money.
At Debitura, we can help you with all three steps in Paraguay.
Amicable collection in Paraguay
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 within 24 hours.
We will contact your debtor through all available channels in Paraguay, often including email, text messages, letters, phone calls and social media.
The goal of this process is to:
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 work it out without going to court first. You must start with legal collections.

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 Paraguay
If we haven't been able to get your money back during the first phase or the person you lent money to says they don't owe you anything, we will give you 3 free quotes from our local debt collection attorneys. During 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 Paraguay. This payment order can then be used to enforce your claim via enforcement court.
The amount of money you will spend on a lawyer depends on how difficult your case is and how many people are involved. To get the best price, ask several lawyers for their prices so you can compare them. 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.
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Debt enforcement in Paraguay
If you have a written acknowledgement of your claim from the debtor, or a court order, you can use the bailiff's court in Paraguay to get your money from the debtor.
The process and how much it costs will be different depending on your case. You can upload your case to Debitura. They will give you 3 quotes for your claim 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 Paraguay
The final stage you can initiate if your debtor cannot pay his debts is an insolvency procedure. The goal of this procedure is to sell the debtor's assets and give the money to the creditors following the debt priorities.
Our analysis concludes that the risk of doing business in Paraguay 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 Paraguay 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 Paraguay
Our analysis shows that the economic risk in Paraguay is medium (3 out of 6). An economic risk of 3 out of 6 is relatively low in South America.
GDP and economic growth are critical drivers for economic risk.
The GDP of Paraguay is 38,99 bn. USD (2021), growing by 4,2% per year.
In terms of the size of its economy, Paraguay ranks #90 out of 183 countries and has a medium-sized economy.
In terms of growth rate, it is ranked #98 out of 183 countries and is therefore considered an excellent growing economy.
GDP per capita is 5400 USD, ranking Paraguay number #89 out of 183 countries. This means the purchasing power of citizens in Paraguay is pretty average compared to all the countries in the world.
You can see a more detailed picture of GDP and economic growth in Paraguay in the table below:
Another significant influencer 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 Paraguay in the table below:
The inflation in Paraguay was 4,8% in 2021 which is considered a medium inflation rate.
Looking at the interest rate for businesses, it is 12,51%.
The business environment risk in Paraguay
Our analysis shows that the business environment risk in Paraguay is medium-high (4 out of 6), which is a relatively high risk score in South America.
Economic freedom and rights determine the business environment risk in a country. You can see the critical facts for Paraguay in the table below:
As you can see in the table, the property rights index is 42 in Paraguay, which is considered low in South America.
The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 60 in Paraguay, a pretty average score for a country in South America.
Paraguay's overall economic freedom index is 63 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.
The political risk in Paraguay
The political risk in Paraguay is medium-high, with a score of 4/6. This is a pretty average political risk score in South America.
The governance and political stability indicators are vital drivers for political risk. An overview of Paraguay 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 Paraguay, the rule of law index is at -0,56 points, with the score going from -2.5 (weak) to 2.5 (strong). Paraguay 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 medium-high political risks are the very weak control of corruption, the weak political stability index, and the large shadow economy that is 31,66% of Paraguay's GDP.
The commercial risk in Paraguay
In Paraguay, 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 South America.
The commercial risk is impacted by a country's international trade relationships. You can see some of the key facts for Paraguay in the table below:
Paraguay has a foreign exchange reserve of 9.66 bn. USD.
Paraguay has a positive trade balance of 1,18% of GDP. What this means is that Paraguay imports fewer goods and services than the country exports.
The annual growth of exports of goods and services has been growing 2,21% annually - now 36,45% of GDP. Import of goods and services represents 35,27% of the GDP in Paraguay.
The financing risk in Paraguay
We have calculated the financing risk to be 1/4, which equals a very low risk. A very low financing risk score is relatively low for countries in South America.
The country's banking system, efficiency, and stability influence the financing risk. You can find the extra information for Paraguay in the table below:
In Paraguay, the credit information sharing index is 7 on a scale from 0 (low) to 8 (high). This means the accessibility and quality of credit information available in Paraguay is medium-high.
This makes it easy for you to understand the credit risk of your counterpart in Paraguay. You should therefore be able to find a good local credit rating agency that can help you analyse the creditworthiness of your specific customers.
Your rights as a creditor are 1 out of 12 and, therefore, very weak.
The very low financing risk for creditors also impacts the high interest rate in the private sector of 12,51%.
Debt collection in Paraguay: Answers to Frequently Asked Questions
The debt collection process in Paraguay typically involves multiple steps including amicable collections, evaluation, and legal action if necessary. The creditor can either collect the debt themselves or outsource to a third party. Debitura offers a free service to find local partners and a risk-free no-cure-no-pay solution for amicable collections. Depending on the amount owed, the creditor can choose debt surveillance, legal collections, or debt enforcement with the help of Debitura.
The debt collection process in Paraguay typically involves three steps: pre-legal collection, legal debt collection, and debt enforcement. Pre-legal collection involves sending reminders to debtors to acknowledge the debt and start payment plans. If unsuccessful, legal action may be taken, and the process usually takes around one to one and a half years. Debt enforcement is also an option if there is a court order or admission of debt. Debitura can assist with all three steps in Paraguay, and our amicable collection solution is risk-free. Upload your claim today for free quotes from local partners.
In Paraguay, if a debt is disputed, a civil lawsuit is necessary. Debt enforcement and insolvency proceedings are also legal options. These actions require a local lawyer who can negotiate with the debtor or go to court on your behalf. Legal costs depend on the case's complexity and multiple parties involved. To find the best price, compare several lawyers' prices. If your debtor can't pay, you can initiate an insolvency procedure to sell their assets and distribute the proceeds to creditors according to the debt priorities.
Debitura offers a no-cure-no-pay model for pre-legal debt collection with a success fee between 10-20%. Legal actions costs vary depending on your specific case and desired actions. Debitura can provide you with 3 quotes from the best debt collection lawyers in Paraguay.
The duration of debt collection in Paraguay depends on the debtor and the case. If solved in the pre-legal phase, it typically takes 3-6 months, but legal actions take longer, lasting 12-18 months. Factors like the size of the debt, negotiation, and collection efforts can influence the duration of the process.