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

Recovering your debt in Tunisia is easiest by using this way.
Debitura is a debt recovery specialist in Tunisia, providing a wide range of services such as accounts receivable management, debt collection notices, pre-legal and legal debt collection, and enforcement court proceedings. Our experienced professionals are well-versed in Tunisia debt collection laws and regulations, allowing us to offer effective and efficient solutions in assisting businesses to recover outstanding debts.

We provide unwavering assistance throughout the entire process.

Tailored debt recovery approach.

Over 500 professionals specialized in international debt collection.

We have a 87% success rate with low costs.
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Boussayene Knani & Associés is a Tunisian leading Business Law Firm established since 2002. In addition to its locally distinguished structure and size, what makes BK&Associés Law Firm unique is also its commitment to the highest ethical and international standards.
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Dr.Brahim Law Odffice is a Tunisian firm specialized in debt recovery , enforcement of foreign court decisio or arbitration award in Tunisia.
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G. Law offers a full range of debt collection services for foreigners individuals and commercial organisations across the globe with the recovery of all types of debts. We fully realise that managing debt is a critical part of maintaining the stability of most businesses, Our recovery rate is high and in most cases, we make every effort to negotiate a settlement without judicial intervention to limit the attendant legal costs. If litigation is unavoidable our robust litigation lawyers will act with vigour to ensure that our clients achieve settlement of their outstanding invoices.
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We are a leading corporate and business Law Firm based in Tunis, Tunisia. We are specialized to assist foreign banks and companies to collect and recover their debts owed by consumers or companies in Tunisia.
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The legal world of the 21st century involves multidisciplinarity and constant updating in the various branches of law. This is why our firm offers to support you in nearly twenty areas, such as business law, mergers and acquisitions, franchise law, intellectual or industrial property, banking law or stock market law or even the law of new technologies. Besides our firm is one of the longest-standing firms in North Africa. It has further adapted to new developments in law and society to better meet your needs.
The ultimate guide about debt collection in Tunisia
If you have money that someone else owes you from Tunisia, you are in the right place. We have helped many other businesses get money that people owe them. It can be very difficult to get money from someone who lives in another country, but we can help.
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 always our top priority! If you want to collect the debt yourself and understand the Tunisian debt collection process from beginning to end, continue reading this guide. If you would prefer to work with a local law firm that specializes in debt recovery in Tunisia, we are here to help.
At Debitura, we provide a simple way to collect your debt in Tunisia and other countries. Get started today by uploading your claim. Within 24 hours, we will assess your case and provide you with 3 free quotes from local debt collection lawyers in Tunisia. We use a people-oriented approach with the latest tech-driven solutions to get better results and manage contact information. This method gets the results you need while preserving customer relationships. In addition, we have a network of debt collectors, attorneys, suppliers and vendors that we work with closely. We appreciate all of these relationships equally.
Upload claim
Get started with debt collection in Tunisia today at no cost. Simply create a free profile, and upload your case in just 2 minutes.
Pre-legal
We will attempt to recover your claim using our successful pre-legal recovery process during the initial 3 months. Our policy is 100% no-cure-no-pay.
Legal
If your debt remains unpaid after the pre-legal phase, we offer you 3 quotes from our local debt collection attorneys.
24/7 updates
You get access to our online portal where you can track your case in real-time
Introduction to collecting debt in Tunisia
If you have trouble getting paid by people in Tunisia, we can help. The person who owes the money is called the debtor, and the person who is owed the money is called the creditor. If the creditor tries to collect the debt himself, this is called first-party collection. If the creditor gets someone else to try to collect the debt, this is called third-party collections.
The debt collection process in Tunisia
The debt collection process in Tunisia usually happens in more than one step.
The image below shows the steps we take to collect debt in Tunisia:

1 Upload your claim:
If you want someone to help you with your debt, find a debt collection partner. Give them your information. They will help you get your money back.
2 Amicable collection:
The collection process starts with sending reminders to the person who owes you money. This is called a campaign. The reminders go through email, SMS, and letter. The goal is to get the debtor to pay or agree that they owe the debt. We offer a no-cure-no-pay solution, which means you only have to pay a small success fee if we recover your debt. Amicable collections with Debitura are 100% risk-free!
3 Evaluation:
If you have not received payment from the debtor after the amicable phase, you need 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 make the best decision. There are three typical next steps:
A: Surveillance:
If your claim is less than 2,000 to 5,000 euros, it is not worth it to take more legal action. In this case, we recommend "debt surveillance." We will keep trying to reach your debtor and try to negotiate a friendly settlement.
B: Legal collections:
It's a good idea to use the legal system if you have a big problem that you need help with. The way you do it will change depending on what the problem is and how big it is. Usually, it takes about a year and a half to finish everything.
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.
We can help you with all three steps in Tunisia.
Amicable collection in Tunisia
At Debitura, we have a process for Amicable collections that is 100% risk-free and very efficient. You can submit your claim, and we will start working on it within 24 hours.
We will contact your debtor through different ways in Tunisia. This can include email, text messages, letters, phone calls, and social media.
The goal of this is to:
A) Get them to pay the full amount.
B) Get them to agree that they owe the money and make a plan to pay it back.
If the person you are trying to get money from has disputed your claim, you cannot start with an amicable resolution. This means you cannot try to talk to them or work things out. You must go directly to 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 Tunisia
If your claim has not been paid yet, or if the person you are claiming from says they do not owe you money, we will give you 3 free quotes from local debt collection attorneys. In the legal phase, our local attorney will talk to your debtor and try to negotiate a payment. Our partners can also go to court and get an order saying the debtor owes you money. This order can then be used to make the debtor pay you through enforcement court.
The amount of money you need to pay a lawyer depends on how big and complicated your claim is. To get the best price, ask more than one lawyer 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 Tunisia
If the person you owe money to has written down that they agree that you are owed money, or if there is a court order, you can take this document to the bailiff's court in Tunisia and they will help you get your money.
The way to do this and how much it will cost varies depending on your situation. You can upload your case onto Debitura. They will give you 3 different 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 Tunisia
If the person you owe money to cannot pay you back, there is a final stage you can initiate called an insolvency procedure. The goal of this procedure is to sell the debtor's assets and give the money to the creditors following a set order of importance.
The analysis is concluding that the risk of doing business in Tunisia is medium-high. Based on this medium-high score, we recommend always charging upfront payment or using credit insurance when trading with customers in Tunisia, 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 Tunisia
Our analysis shows that the economic risk in Tunisia 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 Tunisia is 46,84 bn. USD (2021), growing by 3,34% per year.
In terms of the size of its economy, Tunisia ranks #84 out of 183 countries and has a medium-sized economy.
In terms of growth rate, it is ranked #120 out of 183 countries and is therefore considered an excellent growing economy.
GDP per capita is 3924 USD, ranking Tunisia number #109 out of 183 countries. This means the purchasing power of citizens in Tunisia is around the average compared to all other countries.
You can see a more detailed picture of GDP and economic growth in Tunisia 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 overview of monetary data points in Tunisia in the table below:
The inflation in Tunisia was 5,7% in 2021 which is considered a medium inflation rate.
The business environment risk in Tunisia
Our analysis shows that the business environment risk in Tunisia is medium-high (4 out of 6), which is a relatively low risk score in Africa.
Economic freedom and rights has a big influence on the business environment risk in a country. The critical facts for Tunisia in the table below:
As you can see in the table, the property rights index is 54 in Tunisia, which is considered pretty average in Africa.
The business freedom index is based on 10 indicators, using data from the World Bank’s Doing Business study. The Index is 81 in Tunisia, a good score for a country in Africa.
Tunisia's overall economic freedom index is 57 out of 100 and is based on factors such as the rule of law, regulatory efficiency, and market openness.
The political risk in Tunisia
The political risk in Tunisia 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 vital drivers for political risk. An overview of Tunisia 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 Tunisia, the rule of law index is at 0,1 points, with the score going from -2.5 (weak) to 2.5 (strong). Tunisia has, therefore, a medium rule of law index, which means it should be possible to enforce your contracts. If possible, we still recommend charging payment upfront or working with credit insurance for larger deals.
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 30,9% of Tunisia's GDP.
The commercial risk in Tunisia
In Tunisia, the commercial risk score is 3/4, which in our model is a medium score. This medium commercial risk score is relatively high compared to the average in Africa.
The commercial risk is impacted by a country's international trade relationships. You can see some of the key facts for Tunisia in the table below:
Tunisia has a foreign exchange reserve of 8.85 bn. USD.
Tunisia has a negative trade balance of -9,27% of GDP. What this means is that Tunisia imports more goods and services than the country exports.
The annual growth of exports of goods and services has been growing 10,3% annually - now 41,51% of GDP. Import of goods and services represents 50,78% of the GDP in Tunisia.
The financing risk in Tunisia
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 Tunisia in the table below:
In Tunisia, the credit information sharing index is 7 on a scale from 0 (low) to 8 (high). The consequence of that number, is that the access and quality of credit information available in Tunisia is medium-high.
This makes it easy for you to understand the credit risk of your counterpart in Tunisia. 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 juridical rights as a creditor are 3 out of 12 and, therefore, very weak.
Debt Collection in Tunisia: Frequently Asked Questions
The debt collection process in Tunisia happens in multiple steps including amicable collection, evaluation, legal collections, and debt enforcement. We offer a risk-free no-cure-no-pay solution for amicable collections, and can assist with debt surveillance, legal collections, and debt enforcement. We can help you get your money back from debtors in Tunisia.
The debt collection process in Tunisia typically involves three steps: pre-legal collection, legal debt collection, and debt enforcement. After uploading your claim, we start with an amicable collection campaign to get the debtor to pay. If unsuccessful, we evaluate the situation and recommend either debt surveillance, legal collections, or debt enforcement. We can help you with all three steps and offer a risk-free no-cure-no-pay solution for amicable collections.
To collect debt in Tunisia, a civil lawsuit is required if the debt is disputed. Debt enforcement and insolvency proceedings are also available options. Legal actions require a local lawyer, and we can connect you with three free quotes from local debt collection attorneys through Debitura. The cost of a lawyer depends on the size and complexity of your claim. Insolvency proceedings can be initiated if the debtor cannot pay, with the goal of selling their assets and giving the money to the creditors in a predetermined order of importance.
Debitura offers a no-cure-no-pay model for pre-legal collection in Tunisia with a success fee between 10-20%. The cost of legal actions varies depending on your case and desired actions. Debitura can provide 3 quotes from the top debt collection lawyers in Tunisia to help you choose the best option for your needs.
The duration of debt collection in Tunisia can vary depending on the specific circumstances of the case and the debtor involved. If the case is resolved during the pre-legal phase, the collection process generally takes 3 to 6 months. However, if legal actions are required to collect the debt, the process may take longer, typically around 12-18 months. It's important to seek professional assistance to navigate the complexities of debt collection in Tunisia.