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.

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4.97/5 Average rating from 600+ reviews
WHY USE DEBITURA? 

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.

How about: "Tunisian Debt Collection Lawyers: Our Trusted Local Partners"?
29, Avenue Alain Savary, Belvédère Tunis
Boussayene Knani & Associes

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.

Lawsuits
Legal collection
Debt enforcement
40
2002
Law firm
LAFAYETTE Center - Tunisia
Dr.Brahim LATRECH Law Office

Dr.Brahim Law Odffice is a Tunisian firm specialized in debt recovery , enforcement of foreign court decisio or arbitration award in Tunisia.

Lawsuits
Legal collection
Debt enforcement
10
2004
Law firm
4éme étage، n° 7 Rue du Lac Windemere ,Tunis, 1053,
Global Law Firm & Partners

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.

Lawsuits
Legal collection
Debt enforcement
160
2012
Law firm
6, rue du Hijaz, 1002 - Tunis Belvedere.
MANNAI Avocats & Conseils Law Firm

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.

Lawsuits
Legal collection
Debt enforcement
5
2013
Law firm
13th, Salah Ben Youssef Street, Menzah 9A,1013 Tunis
CAG Law Firm

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.

Lawsuits
Legal collection
Debt enforcement
25
1973
Law firm

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.

New to debt collection?
The debt collection process can be complex and daunting for those new to it. Our team of experts is here to help you understand the process and navigate it with ease. Get free expert advice on your specific case, provided by our team of experienced professionals.

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.

We work with the following process: 
1

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.

2

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.

3

Legal

If your debt remains unpaid after the pre-legal phase, we offer you 3 quotes from our local debt collection attorneys.

4

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.

5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
"Thanks to Debitura, we were able to recover our debts in Tunisia quickly and efficiently. Their approach to debt collection Tunisia is commendable and their rates are reasonable. Highly recommended!"
Fatima Rachedi - Accounts Receivable Specialist.
5-star user rating5-star user rating5-star user rating5-star user rating5-star user rating
"Thanks to Debitura, we finally found a reliable and effective solution for our debt recovery Tunisia. They provided us with outstanding service and expertise that exceeded our expectations, without breaking the bank!"
Sara Mohamed - Accounts Receivable Supervisor.
4.97/5
Average rating based on feedback from over 600 satisfied clients
87%
Average debt recovery rate, exceeding industry standards
100M+
Debt recovered for our clients in the past 18 months

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.

100% free
Get the best price
No-cure-no-pay
Fast collection process
High recovery rate
100%
Risk free
Upload claim!

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.

100% free
Get the best price
No-cure-no-pay
Fast collection process
High recovery rate
100%
Risk free
Upload claim!

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.

Tunisia country risk profile

We have examined Tunisia's critical financial data and extrapolated a risk assessment. You can use this analysis to estimate your payment terms and manage your risk when doing business with customers in Tunisia.

Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26
Low risk
5-10
Medium-low risk
11-15
Medium risk
16-20
Medium-high risk
21-23
High risk
24-26

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:

Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Economic Risk:
6
Business Risk:
4
Business Risk:
4
Business Risk:
4
Business Risk:
4
Business Risk:
4
Business Risk:
4
Political Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Political Risk:
6
Commercial Risk:
3
Commercial Risk:
3
Commercial Risk:
3
Commercial Risk:
3
Financing Risk:
4
Financing Risk:
4
Financing Risk:
4
Financing Risk:
4

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:

GDP and economic growthLatest value
Economic growth: the rate of change of real GDP3,34%
Gross Domestic Product, billions of U.S. dollars46,84
GDP per capita, current U.S. dollars3924,34
GDP per capita, Purchasing Power Parity10554,14

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:

Monetary KPI'sLatest value
Inflation: percent change in the Consumer Price Index5,7%

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:

Economic freedom indexLatest value
Property rights index (0-100)54
Freedom from corruption index (0-100)42
Fiscal freedom index (0-100)72
Business freedom index (0-100)81
Monetary freedom index (0-100)73,6
Trade freedom index (0-100)67
Investment freedom index (0-100)45
Financial freedom index (0-100)30
Economic freedom, overall index (0-100)57

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:

Governance and political stability indicators Latest value
Rule of law index (-2.5 weak; 2.5 strong)0,1
Government effectiveness index (-2.5 weak; 2.5 strong)-0,17
Control of corruption (-2.5 weak; 2.5 strong)-0,23
Political stability index (-2.5 weak; 2.5 strong)-0,7
Corruption Perceptions Index, 100 = no corruption44
Shadow economy, percent of GDP30,9%

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:

International trade and investment Latest value
Exports of goods and services as percent of GDP41,51%
Exports of goods and services, annual growth10,3%
Imports of goods and services as percent of GDP50,78%
Trade balance as percent of GDP-9,27
Foreign exchange reserves, billion currency units8.85

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:

Banking system efficiency and stabilityLatest value
Index of legal rights for creditors and borrowers (0 = weak to 12 = strong)3
Credit information sharing index, 0 (low) - 8 (high)7

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

How does debt collection work in Tunisia?

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.

What is the debt collection process 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.

What legal options exist for debt collection in Tunisia?

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.

How much does debt collection cost in Tunisia?

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.

How long does debt collection take in Tunisia?

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.