Debt Collection Agency in Slovakia - No Win, No Fee
Your claims are handled exclusively by B4B Inkaso s.r.o., our local debt collection partner (inkasna spolocnost) with 22+ years of experience and a 77% recovery rate.
Why Choose Debitura for Debt Collection in Slovakia
Fast, simple and risk-free debt collection in Slovakia
Debitura connects you with B4B Inkaso s.r.o., a Banska Bystrica-based collection agency with 22+ years of experience and part of the B4B Group operating across Central Europe. Their team achieves recovery rates up to 77%.
- Risk-free: Pay only when we recover your money.
- Quick setup: Submit invoices in a few clicks.
- Real-time tracking: Monitor progress live in one portal.
- Local expertise: Slovak-speaking professionals handle everything.
Getting started with debt collection in Slovakia
- Create your free account - Sign up in under 2 minutes. No credit card, no commitment.
- Upload your claim - Enter invoice details and upload supporting documents. B4B Inkaso s.r.o. receives your case instantly.
- Track progress - Monitor every update in real time. Pay only when funds are recovered.
Already using an ERP? Connect SAP, Oracle, Microsoft Dynamics, or 5,000+ apps via Zapier for automatic claim submission.
Transparent, success-based pricing
Debitura operates on a strict No Win, No Fee model. You pay nothing upfront and only a percentage of what we actually recover.
- No subscription fees or platform charges.
- No hidden costs or minimum commitments.
- Success fee deducted only after funds reach your account.
- Competitive rates that decrease as claim value increases.
See full pricing details at debitura.com/pricing.
Fast, simple and risk-free debt collection in Slovakia
Debitura connects you with B4B Inkaso s.r.o., a Banska Bystrica-based collection agency with 22+ years of experience and part of the B4B Group operating across Central Europe. Their team achieves recovery rates up to 77%.
- Risk-free: Pay only when we recover your money.
- Quick setup: Submit invoices in a few clicks.
- Real-time tracking: Monitor progress live in one portal.
- Local expertise: Slovak-speaking professionals handle everything.
Debt Collection Process in Slovakia - Clear, Fast and Fully Managed
Why you can trust this guide
At Debitura, we uphold the highest standards of impartiality and precision to bring you comprehensive guides on international debt collection. Our editorial team boasts over a decade of specialized experience in this domain.
Questions or feedback? Email us at contact@debitura.com — we update this guide based on your input.
Debitura By the Numbers:
- 10+ years focused on international debt collection
- 100+ local attorneys in our partner network
- $100M+ recovered for clients in the last 18 months
- 4.9/5 average rating from 621 reviews
Expert-led, locally validated
Written by Robin Tam (16 years in global B2B debt recovery). Every page is reviewed by top local attorneys to ensure legal accuracy and practical steps you can use.
Contributing local experts:
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From first contact to final recovery, your Slovak debt collection follows a proven four-stage journey. Most commercial debts resolve during amicable collection (mimosudne vymahanie pohladavok), with legal escalation available only if needed and always under your control.
- Up to 77% recovery rate through amicable collection (B4B Group).
- Typical timeline: 30-90 days for pre-legal resolution.
- Legal escalation optional - you decide whether to proceed.
- Enforcement via sudny exekutor (court executor) if judgment obtained.
Step 1: Claim submission and initial contact 📤
B4B Inkaso s.r.o. receives your claim within minutes of submission and initiates contact with your Slovak debtor.
- Your claim is validated and assigned to a dedicated case handler.
- A formal demand letter (predzalobna vyzva) is sent to the debtor in Slovak.
- Under Slovak Commercial Code (Act No. 513/1991), B2B debtors owe statutory interest from day one of delay.
- EUR 40 fixed compensation is automatically due on commercial claims (Section 369c Commercial Code).
⏳ Duration: 1-3 business days from claim submission.
Step 2: Active negotiation and payment arrangements 🤝
Persistent follow-up through calls, emails, and written reminders to secure payment or a binding agreement.
- B4B Inkaso s.r.o. negotiates in Slovak, understanding local business culture.
- Payment plans arranged where appropriate to maximise recovery.
- B2B statutory interest rate: ECB base + 8% (currently 10.15% for H1 2026, per Ministry of Justice).
- The B4B Group achieves up to 77% recovery through amicable means.
⏳ Duration: Typically 2-6 weeks, depending on debtor responsiveness.
Step 3: Legal escalation decision 🏦
If amicable efforts fail, you receive a clear assessment and can choose whether to escalate to court.
- Debitura sources 1-3 fixed-price quotes from vetted Slovak law firms.
- You review offers with full cost transparency - no obligation to proceed.
- Slovak courts offer upominacie konanie (electronic payment order) with 3% court fee and decision within 10 working days.
- Average civil case duration: 18.98 months (Ministry of Justice, 2023) - electronic orders are faster.
⏳ Duration: Quote review within 5-7 business days.
Step 4: Judgment enforcement ⚖️
Once a court judgment is obtained, a sudny exekutor (court executor) enforces payment through Slovak law.
- Enforcement methods include wage garnishment, bank account seizure, and asset sale.
- For debts under EUR 2,000, debtor primary residence is protected from auction (Act No. 233/1995).
- Judgments extend limitation period to 10 years (Commercial Code Section 408).
- Executors are regulated by the Slovak Chamber of Executors under Act No. 233/1995.
⏳ Duration: Varies by enforcement method and debtor assets.
Throughout this process, you maintain full visibility via the Debitura dashboard. B4B Inkaso s.r.o. provides regular updates, and you decide at each stage whether to continue or escalate.
Source: Slovak Commercial Code (Act No. 513/1991) on Slov-Lex
Debt Collection Costs in Slovakia - Competitive European Rates
You only pay if your money is recovered. No upfront fees, no subscriptions.
- No upfront fees - pay only on successful recovery.
- European rates: 6-20% depending on claim value.
- Legal escalation via transparent quote-based model.
- Local invoicing by B4B Inkaso s.r.o. in EUR.
Pre-legal collection fees
Debitura applies tiered success fees based on the amount recovered. All thresholds are in USD, calculated at time of collection:
- Claims USD 100 to USD 999: 20%
- Claims USD 1,000 to USD 149,999: 9.5%
- Claims above USD 150,000: 6%
Slovakia qualifies for European rates, which are lower than international rates due to standardised EU legal frameworks and enforcement mechanisms.
Optional legal action
If amicable collection does not succeed, you can choose to escalate to legal proceedings. Debitura sources 1-3 fixed-price quotes from vetted Slovak law firms - you review the offers and decide whether to proceed, with no obligation.
Slovak court fees for debt claims:
- Electronic payment order (upominacie konanie): 3% of claim value
- Standard payment order (platobny rozkaz): 6% of claim value
Attorney and executor fees are quoted upfront before you commit to any legal spend.
See full pricing details at debitura.com/pricing.
Who We Help with Debt Collection in Slovakia
Slovak courts processed 39,920 civil cases in 2023 (Ministry of Justice), with average resolution times approaching 19 months. B4B Inkaso s.r.o. helps businesses avoid lengthy litigation through effective amicable collection.
SMEs and growing businesses
Recover outstanding invoices without tying up internal resources. Upload claims in minutes and let B4B Inkaso s.r.o. handle debtor communication in Slovak.
Ideal for: Exporters, wholesalers, and service providers with occasional overdue invoices from Slovak customers.
Enterprises and multinationals
Consolidate Slovak receivables into one dashboard alongside claims from other markets. Connect via API or ERP integration for automatic claim submission and unified reporting.
Ideal for: Credit control teams managing receivables across Central European subsidiaries.
International businesses with Slovak debtors
Collect from Slovak debtors without navigating unfamiliar legal systems. B4B Inkaso s.r.o. operates in Slovak and understands local business practices, while you track everything in English through Debitura.
Ideal for: German, Austrian, Czech, and Polish exporters selling to Slovak businesses.
Our Slovakia and International Expertise 🌍
Debitura partners with 500+ licensed collection agencies and law firms across 183 countries and jurisdictions. In Slovakia, B4B Inkaso s.r.o. delivers local expertise backed by the B4B Group network spanning Austria, Czech Republic, Poland, and Slovenia.
Whether your debtors are in Bratislava, across the EU, in Asia, Africa, or the Americas, one contract and one dashboard gives you access to licensed local experts everywhere. Each partner operates under local law with native language capabilities, ensuring culturally appropriate and legally compliant collection.
Tech-Enabled Debt Collection in Slovakia - ERP, API, AI and Secure Integrations
Managing overdue receivables across multiple markets typically means juggling different agencies, portals, and reporting formats. Debitura consolidates everything into one platform covering 183 countries, including Slovakia via B4B Inkaso s.r.o.:
- ERP integrations: Connect SAP, Oracle, Microsoft Dynamics, and other major systems for seamless claim submission.
- REST API: Build custom integrations to automate claim creation, status updates, and payment reconciliation.
- Zapier connectivity: Link 5,000+ apps without coding - trigger claims from spreadsheets, CRMs, or accounting tools.
- AI-powered insights: Predictive analytics help prioritise claims and optimise recovery strategies.
- Enterprise security: ISO 27001 aligned practices, encrypted data transfer, and GDPR compliance throughout.
- Credit checks: Assess debtor solvency before deciding on escalation, helping you make informed decisions.
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.
- Verified specialists
- Quotes in 24 h, no hidden fees
- Fair, pre-negotiated rates
SKODA LEGAL s.r.o. is a premier law firm in Bratislava offering effective Debt Collection services in Slovakia, recognized for its expertise since 2012 and a proud member of the Slovenská advokátska komora.
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JUDr. Daniela Ježová, LL.M., Ph.D., is a premier law firm in Bratislava offering effective Debt Collection services in Slovakia, recognized as the go-to partner for debt recovery since 2009, with accolades in family and business law and memberships in global legal networks.
Patrik Tulinsky is a premier law firm in Bratislava offering effective Debt Collection services in Slovakia, positioning itself as the go-to partner for debt recovery, founded in 2020, with accolades such as Zlatá Firma and memberships in the Czech and Slovak Bar Associations.
Frequently Asked Questions
Explore our most common FAQs below—or reach out directly at contact@debitura.com if you need help with a specific case.
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