Top-Rated Debt Collection Agency in Slovenia
Fast and reliable debt collection in Slovenia - no upfront costs, only pay for success. Request a FREE Consultation or upload your claim today.
Recovering your debt in Slovenia is made easiest through this method.
Debitura specializes in debt recovery within Slovenia. With a team of skilled professionals, we provide various services involving accounts receivables management, debt collection notices, pre-legal and legal debt collection, as well as enforcement court proceedings. Our extensive knowledge of Slovenia debt collection laws and regulations allows us to deliver efficient and effective solutions to assist businesses in recovering outstanding debts.
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The ultimate guide about debt collection in Slovenia
Are you having trouble getting money back from a business or customer in Slovenia? Don't worry, we've got you covered. We've helped many other companies recover debt in Slovenia.
Collecting debt in Slovenia can be tough because of language and cultural differences, foreign laws and customs, and distance. But it's easier when you use a collection agency that knows the laws and customs of the country where the debtor lives.
At Debitura, we put people first and do everything we can to get your money back while still having a good relationship with your customer. Our public relations efforts are fair but firm, and we make sure your reputation is our top priority!
Keep reading this guide if you want to collect the debt yourself and understand the Slovenian debt collection process. And if you prefer working with a local law firm that specializes in debt recovery in Slovenia, we can help with that too.
At Debitura, we make it easy for you to collect your debt from Slovenia and over 190 other countries. All you have to do is submit your claim and within 24 hours, we'll evaluate your situation and give you three options for local debt collection lawyers in Slovenia. We use a combination of personal attention and advanced technology to achieve success and maintain good communication. This approach helps us get the results you want while still keeping good relationships with customers. Furthermore, our network of debt collectors, attorneys, suppliers, and vendors are important connections that allow us to do our job effectively. We value each of these relationships, whether they are big or small.
Get started with debt collection in Slovenia today at zero cost. Sign up for a free account, and submit your case in just two minutes.
Our proven pre-legal recovery process will be implemented for the first 3 months to collect your claim. Our no-cure-no-pay policy ensures a risk-free experience.
If your debt has not been settled during the pre-legal phase, we'll offer you three quotes from our local debt collection attorneys.
You get access to our online portal where you can track your case in real-time
Introduction to collecting debt in Slovenia
Are you struggling to get paid by your customers in Slovenia? Don't worry, we can help make it easy for you.
In Slovenia, the person who owes money is called the debtor and the person who gave the loan or invoice is called the creditor. If the creditor collects the debt themselves, it's called first-party collection. But if the creditor hires someone else to collect the debt, it's called third-party collections.
The debt collection process in Slovenia
In Slovenia, there are usually several steps involved in the process of collecting debt. The picture below shows the typical way we go about collecting debt in Slovenia.
1 Upload your claim:
If you don't want to handle collecting your debt on your own, you should begin by locating a company that helps with debt collection and submitting your claim to them through their website. If you choose to use Debitura, we will give you three options for companies in the European country that pertains to your situation, and it won't cost you anything - there are no hidden fees.
2 Amicable collection:
The way we usually start getting people to pay their debts is by sending them friendly reminders through different ways like email, text message, mail, and any other way we can contact them in that particular country. Our goal is to make them pay the money they owe or at least acknowledge that they owe it and make a plan to pay it back. We offer a service where you only have to pay us if we successfully collect the debt, so there is no risk for you. Using Debitura for amicable debt collection is completely safe!
If you haven't gotten paid by the person you lent money to after trying to work it out nicely, it's time to figure out what to do next. We will examine how much money you are owed, the likelihood of getting paid, and other important things to help you decide what the best course of action is. There are three common options for what to do next.
If the amount you are claiming is not very high, usually between $2,000 and $5,000, it may not be worth it to go through with more legal steps. In this situation, we suggest "debt surveillance," where we will continually contact the person who owes you money and try to come to an agreement without going to court.
B: Legal collections:
It's a good idea to take legal action for bigger claims. The steps you need to take will vary depending on the specifics of your claim. Usually, it takes around a year and a half to finish the process.
C: Debt enforcement:
If the person you are trying to collect money from has agreed that you are owed the money or if a judge has ordered them to pay you, you can ask the court to send a bailiff to collect the money for you.
Amicable collection in Slovenia
At Debitura, we provide a stress-free and highly effective way to collect money from someone who owes you. All you have to do is send us your request, and we'll start working on it within 24 hours. We'll reach out to the person who owes you using all the communication methods we have in Slovenia, including email, text messages, mail, phone calls, and social media.
Our goal is to either:
A) get the person to pay the full amount or
B) to agree to a payment plan to pay off the debt.
However, if the person disputes the debt, we can't use this amicable method and will have to use legal means to collect the money.
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amicable debt collection
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Legal collection in Slovenia
If the person you're trying to get money from hasn't paid you during the friendly talks or they disagree with your claim, we'll give you 3 free offers from lawyers near you who can help with debt collection. During the legal process, a lawyer nearby will talk to the person you're trying to get money from and try to work out a payment plan. Our partners can also take the person to court and get a court order for them to pay you. This court order can then be used to make the person pay you through the legal system in Slovenia.
The cost of hiring a lawyer can change depending on how complex and big your case is. To make sure you're getting the best deal, it's a good idea to look at different lawyer's prices. You can easily do this by using a website like Debitura, where you can compare prices with just a few clicks.
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legal debt collection
Upload your claim and get 3 FREE quotes from our local collection partners.
Debt enforcement in Slovenia
If you have proof that the person you are trying to collect money from has acknowledged your claim, or if a court has ordered it, you can ask a court officer in Slovenia to help you get the money you are owed.
The way things are done and how much it will cost can be different depending on your specific situation. To find out more about what it would cost for you, send your information to Debitura. They will give you three different options for your claim within a day.
Get started with
Upload your claim and get 3 FREE quotes from our local collection partners.
European Late Payment Directive in Slovenia
Slovenia is a country that belongs to the European Union (EU). Because of this, a law called Directive 2011/7/EU that deals with preventing late payments in business deals is used in Slovenia.
The key points of the directive include:
- Government agencies cannot make people pay within a time frame longer than 30 days.
- Companies that are not owned by the government are not allowed to make customers pay for their products or services more than 60 days after receiving them.
- If the person who owes you money is a company, you can charge an extra €40 as a penalty for paying late.
- Interest rates for payments that are made late must be at least 8% higher than the rate set by the European Central Bank.
As a member of the European Union, the Danish government is not allowed to make laws that are not as good for creditors as the rules that apply to all countries in the European Economic Area.
The analysis is concluding that the risk of running a business in Slovenia 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 Slovenia well. If possible, provide a short credit period or even better upfront payment. The medium-low risk score is based on the following factors:
The economic risk in Slovenia
Economic risk in Slovenia is medium (3 out of 6). An economic risk of 3 out of 6 is pretty average in Europe.
GDP and economic growth are critical drivers for economic risk.
The GDP of Slovenia is 61,53 bn. USD (2021), growing by 8,11% per year.
In terms of the size of its economy, Slovenia ranks #80 out of 183 countries and has a medium-sized economy.
Looking at the growth rate, it is ranked #33 out of 183 countries and is therefore considered a fast-growing economy.
GDP per capita is 29201 USD, ranking Slovenia number #33 out of 183 countries. The result of this is purchasing power of citizens in Slovenia is high compared to the rest of the world.
You can see a more detailed picture of GDP and economic growth in Slovenia in the table below:
Another major impact 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 Slovenia in the table below:
The inflation in Slovenia was 1,9% in 2021 which is considered a very low inflation rate.
The business environment risk in Slovenia
Our analysis shows that the business environment risk in Slovenia is low (2 out of 6), which is a pretty average risk score in Europe.
The business environment risk are determined by the level of economic freedom and rights in a country. Take a look at the important facts for Slovenia in the table below:
As you can see above, the property rights index is 77 in Slovenia, which is considered pretty average in Europe.
The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 79 in Slovenia, a quite good score for a country in Europe.
Slovenia's overall economic freedom index is 68 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.
The political risk in Slovenia
The political risk in Slovenia is low, with a score of 2/6. This is a pretty average political risk score in Europe.
The governance and political stability indicators are critical drivers for political risk. An overview of Slovenia 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 Slovenia, the rule of law index is at 1,03 points, with the score going from -2.5 (weak) to 2.5 (strong). Slovenia has, therefore, a very high rule of law index, which means you have a very good chance of enforcing your contracts. If your individual customers have good creditworthiness, you should therefore feel relatively safe when providing credit.
Other drivers for the low political risks are the average control of corruption, the average political stability index, and the medium-large shadow economy that is 20,21% of Slovenia's GDP.
The commercial risk in Slovenia
In Slovenia, the commercial risk score is 2/4, which in our model is a low score. This low commercial risk score is relatively low compared to the average in Europe.
The commercial risk is impacted by a country's international trade relationships. You can see some of the key facts for Slovenia in the table below:
Slovenia has a foreign exchange reserve of 2.27 bn. USD.
Slovenia has a positive trade balance of 5,31% of GDP. What this means is that Slovenia imports fewer goods and services than the country exports.
The annual growth of exports of goods and services has been growing 13,2% annually - now 83,53% of GDP. Import of goods and services represents 78,21% of the GDP in Slovenia.
The financing risk in Slovenia
We have calculated the financing risk to be 2/4, which equals a low risk. A low financing risk score is pretty average for countries in Europe.
The country's banking system, efficiency, and stability influence the financing risk. You can find the extra information for Slovenia in the table below:
In Slovenia, the credit information sharing index is 6 on a scale from 0 (low) to 8 (high). The result of this is accessibility and quality of credit information available in Slovenia is medium.
This makes it easy for you to understand the credit risk of your counterpart in Slovenia. Based on this, it should be possible to 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 3 out of 12 and, therefore, very weak.
Slovenia Debt Collection: Frequently Asked Questions (FAQ)
If you're struggling to get paid by your customers in Slovenia, we can help make it easy for you. In Slovenia, the debtor is the person who owes money, and the creditor is the person who gave the loan or invoice. Debt collection usually involves several steps, including amicable collection, evaluation, legal collections, and debt enforcement. We offer a service where you only have to pay us if we successfully collect the debt, so there's no risk for you. Using Debitura for amicable debt collection is safe and effective.
The debt collection process in Slovenia typically involves three steps: pre-legal collection, legal debt collection, and debt enforcement. First, submit your claim to a debt collection company. Second, the company will try to collect the debt amicably through friendly reminders. If unsuccessful, they'll evaluate the amount owed and likelihood of getting paid and suggest debt surveillance, legal collections, or debt enforcement. Legal action is recommended for bigger claims, and debt enforcement can be used if the debtor agrees or if a judge orders payment. Using Debitura is safe and risk-free, and there are no hidden fees.
If the debt is disputed, a civil lawsuit may be necessary for debt collection in Slovenia. Debt enforcement and insolvency proceedings are also legal options. However, legal actions require a local lawyer. We offer three free quotes from local lawyers for debt collection. They can negotiate a payment plan or take the person to court for a court order. The cost of hiring a lawyer varies depending on the complexity of the case. Use a website like Debitura to compare prices.
Debt collection costs in Slovenia vary depending on the specifics of your case. Debitura offers a no-cure-no-pay model for pre-legal collection with a success fee between 10-20%. For legal actions, prices also vary. Debitura can provide you with 3 quotes from the best debt collection lawyers in Slovenia to help you make an informed decision.
The duration of debt collection in Slovenia depends on the debtor's response and the complexity of the case. The process can take 3-6 months if resolved in the pre-legal phase. However, if legal proceedings are necessary, the process typically takes 12-18 months. Our team works efficiently to resolve cases as quickly as possible while ensuring your interests are protected.