You pay only when money is recovered
No upfront fee for pre-legal collection. The success fee is a share of what is actually recovered.
§03.1, §03.2The agreement
One debt collection agreement for every country
Sign the Standard Debt Collection Agreement once and place a claim in any of the 180 countries we cover. It sets the fee, the work your partner must do and what happens to the money, in writing.
Signed once, online The same for every business SDCA 2026
Effective 25 March 2026Standard Debt Collection Agreement
- No Cure, No Pay for pre-legal collection
- One published fee schedule, set when the case is accepted
- Minimum work on every case
- Paid within 30 business days, with a statement
- Legal action only after your written yes
- Every country we serve
Signed once · applies to every claim
At a glance
What the agreement means for you
The agreement is between you and the licensed partner who works your case. Debitura provides it, runs the platform it lives on and makes sure both sides keep to it.
Your fee is set at the start
The rate depends on the claim's size, its age and where your debtor is, and the size tier locks when the partner accepts the case.
§03.2(a)Six months of active collection
Your partner works the case for six months, longer if the debtor promises, agrees or starts to pay.
§06.1, §06.2Paid within 30 business days
Your share of every recovery, with a statement that shows every deduction.
§05.1, §05.5Nothing legal without your yes
Court action needs a quote you accept on the platform, whatever the power of attorney says.
§11.2Debitura never holds your money
Funds move between the partner and you. We record the payments; we never touch them.
§05.2(d)How signing works
Three steps, and no new contract for each country
Everything is done online, in the platform, before your first case starts.
- Create a free account
Add your company details. There is nothing to pay and no contract yet.
- Sign the agreement once
The first time you assign a claim, you sign the Standard Debt Collection Agreement. It then covers every claim, in every country we serve.
- Sign a short power of attorney
The first time you work with a new local partner, you sign a power of attorney so they can act for you under local law.
Which claims it covers
Unpaid invoices and loans, from $100
The standard terms cover undisputed unpaid invoices and loan repayments that have not been placed with anyone else and are not in court. Everything else gets a quote from the partner first, which you are free to accept or decline.
- Standard claims: undisputed unpaid invoices and loan repayments. §04.1
- Quoted first: disputed claims, contract breaches, damages and anything that needs legal action. §04.2
- Minimum claim: $100 or the equivalent. Some markets set a higher minimum, shown when you submit. §04.3
- Not accepted: claims from gambling, crypto assets, multi-level marketing and adult entertainment. §14.1
| Claim size | Documents needed |
|---|---|
| Under $2,000 | The debtor's contact details are enough |
| $2,000 to $10,000 | The invoice, contract or statement, or a written description of the debt |
| Over $10,000 | A supporting file (invoice, contract or statement) |
| Consumer debtors | A supporting file and a written description, at any amount |
§04.4 · Your partner can ask for more on the platform if they need it.
What it says, in writing
Six things in writing, for every claim
Each one is a clause you can check in the agreement.
No upfront fees. The fee is a share of what is recovered, and its size tier is locked when the case is accepted.
§03Letters, emails and calls set by claim size, for the whole six-month collection period. See the minimums.
Appendix 1Your partner keeps the case updated. Partners must resolve open tasks and respond to client inquiries within 48 business hours.
§09.4Your share of every recovery, with a statement showing the fee, any exchange rate, VAT and costs.
§05.1, §05.5Payment plans over 12 months and discounts come to you for approval. If you don't reply within 10 business days, a discount of up to 20% counts as approved, and your partner may agree a plan of up to 24 months. Legal action never starts without your yes.
§07, §11.2File a complaint on the platform. If a serious complaint is upheld, you can close the case at no cost, or we can move it to another partner.
§08Minimum work over the six-month collection periodUnder local law and industry practice · Appendix 1
| Claim size | Debtor research | Letters by post | SMS or email | Phone calls |
|---|---|---|---|---|
| $100 to $7,999 | Address and phone confirmed | At least 1 (the demand) | About 1 a month | At least 2 attempts |
| $8,000 to $75,000 | Several sources, public records | 1 every second month | 1 a month | At least 3 attempts |
| Above $75,000 | In-depth, incl. financial research | At least 5 | Weekly | Every two weeks |
How the money moves
The debtor pays your partner. Your partner pays you.
Debtors usually pay into the partner's client account. The partner deducts the success fee and pays you the rest, and every payout comes with a statement you can check line by line.
- Every payout has a statement: the amount recovered, any exchange rate, the fee and its rate, interest and fees the partner keeps, VAT, bank costs and the net amount to you. §05.1
- Part payments are split fairly: each payment is shared in proportion to what you and the partner are owed. §05.4
- If the debtor pays you directly: tell your partner within three business days; the fee still applies. §05.3
What you agree to
The same agreement asks a few things of you. Better to know them now.
- Six months' exclusivity. Your partner works the case alone for six months, extended by 12 months when the debtor promises to pay, agrees a plan or makes a payment. You don't contact the debtor about the claim or hire anyone else for it in that time. §06.1 to §06.3
- Withdrawing early costs the full fee. If you withdraw a case during that period, the full success fee is due, as if the claim had been paid. After it ends, you can close the case at no cost. The exception is an upheld serious complaint. §06.4, §06.5
- Report direct payments. If the debtor pays you directly, tell your partner within three business days. §05.3
- Answer within 72 business hours. When your partner needs something, you reply on the platform within 72 business hours. The platform reminds you before any deadline. §10.2
- Settlements up to 20% can be approved by silence. If your partner proposes a discount of up to 20% and you don't answer in ten business days, it counts as approved. Larger discounts always need your yes. §07.3
- A power of attorney per partner. Signed online the first time you work with a new partner. Appendix 2
If something goes wrong
We pick the partner, and we stay on your side until the case is closed
Report a problem in the platform. Debitura reviews every complaint and decides how serious it is. If a serious complaint against the partner is upheld, you can close the case at no cost, or we can move it to another partner. Costs you already approved in writing, such as a legal quote, still apply.
| If a complaint is upheld as | What happens |
|---|---|
| Minor | It counts against the partner's quality score on our platform. |
| Medium | It counts against the partner's quality score on our platform. |
| Severe | You can close the case without the success fee, extra fees or the withdrawal fee, or we can move it to another partner. Examples: money not paid out on time, no real work on the case, a settlement without your approval, abusive methods. |
§08.1, §08.2 · Clients who break the agreement go through the same complaint process, with their own consequences (§08.3).
What's in it
The agreement, section by section
Fifteen sections plus signatures and two appendices. Read the whole text in the PDF, or start with the part you care about.
§01 to §02Definitions and scope
Pre-legal collection only; legal action needs a separate quote.
§03Costs
No Cure, No Pay, the fee schedules, older claims, currency and VAT.
§04Which claims qualify
Standard claims, quoted claims, the minimum and documents.
§05Payments
Statements, client accounts, direct payments and the 30-business-day payout.
§06Collection period
Six months, extensions, exclusivity and withdrawal.
§07Settlements and plans
Discounts, installment plans and your approvals.
§08Complaints
How complaints are judged and what a severe breach gives you.
§09 to §10Each side's duties
What the partner must do, and what you must do.
§11Legal escalation
Quotes, your options and your written approval.
§12 to §13Termination and data
Ending the agreement, confidentiality and data protection.
§14Restricted claims
Industries and conduct the agreement does not cover.
§15 and appendicesGeneral terms
Governing law, disputes, the minimum work table and the power of attorney.
Data and legal documents
Your data, and which law applies
- Data Processing Agreement: Debitura is your data processor and each partner is an independent processor. You can sign a DPA yourself in the platform. §01, §13.2
- Hosting: the platform is hosted on Microsoft Azure in the EU and encrypts data in transit and at rest.
- Which law applies: between you and your partner, the law where the partner is registered; anything involving Debitura, the law of Delaware, United States. §15.1
All our legal documents
Sending 20 or more claims a month to one country, or need custom terms? Talk to us about volume rates and Managed Services.
FAQ
Questions about the agreement
Do I sign a contract for each country?
No. You sign the Standard Debt Collection Agreement once, and it applies to every claim in every country we serve. You also sign a short power of attorney the first time you work with a new partner.
Who is the agreement with?
With the licensed collection agency or law firm that works your case. Debitura provides the agreement and the platform, reviews complaints and makes sure the terms are the same for every business.
Can I stop a case?
Yes, but during the six-month collection period, and any extension, the full success fee is due if you withdraw, as if the claim had been paid. After the period you can close it at no cost. If a serious complaint against the partner is upheld, you can close it without any fee.
Does it cover legal action?
No. The agreement covers pre-legal collection. If legal action makes sense, the partner sends a quote on the platform, and nothing starts until you accept it in writing.
Can we negotiate our own terms?
The standard agreement is the same for every business, which is why its terms are good. Custom agreements are available with Managed Services, a paid subscription.
What does pre-legal collection mean?
Everything your partner does before going to court: letters, emails, calls and negotiating a payment or a plan with the debtor. Most cases are resolved here, and this is the part the agreement covers on a No Cure, No Pay basis.
Sign once. Collect in 180 countries.
Create a free account and submit your first claim. You see the fee and the partner before anything starts.