Debt Collection Agency in Germany – No Win, No Fee
Stop chasing overdue invoices in Germany. Your claims are handled exclusively by ACCS Germany, our licensed local experts (Inkassobüro) who recover your debts—fast, with zero upfront fees. Submit claims in minutes, track real-time updates, and effortlessly get your money back.
Why Choose Debitura for Debt Collection in Germany?
- Licensed Inkasso Experts on the Ground — Work exclusively with ACCS Germany GmbH, a fully licensed Inkasso-unternehmen (Reg. § 10 RDG, HRB 92911, AG Düsseldorf) based at Rheinpromenade 13, Monheim am Rhein. Over 15 000 cases handled for 120+ exporters and three EU institutions.
- 100 % No-Win, No-Fee Pricing — Pay only when the debt is recovered; no setup, subscription, or hidden costs. Success-fee starts at 6 % of the collected amount.
- Real-Time Transparency & Easy Digital Process: Submit your claims online in minutes, monitor progress 24/7, and receive automated real-time updates. Debitura’s intuitive platform keeps you fully informed and in control, regardless of your location.
- BDIU-Compliant, Brand-Safe Approach — ACCS conducts each Inkassoverfahren with respectful, documented communications that protect your customer relationships and stay within German debtor-protection laws.
- Higher Recovery, Less Admin — Clients see up to 40 % better recovery rates and save 86 % admin time versus in-house chasing—freeing your team for core business.
“Debitura helped us recover €12,000 from a Munich-based supplier in under 30 days—seamless, professional, and fully managed through their online platform.”
— CFO, Nordic Trading Group
Why Choose Debitura for Debt Collection in Germany?
- Licensed Inkasso Experts on the Ground — Work exclusively with ACCS Germany GmbH, a fully licensed Inkasso-unternehmen (Reg. § 10 RDG, HRB 92911, AG Düsseldorf) based at Rheinpromenade 13, Monheim am Rhein. Over 15 000 cases handled for 120+ exporters and three EU institutions.
- 100 % No-Win, No-Fee Pricing — Pay only when the debt is recovered; no setup, subscription, or hidden costs. Success-fee starts at 6 % of the collected amount.
- Real-Time Transparency & Easy Digital Process: Submit your claims online in minutes, monitor progress 24/7, and receive automated real-time updates. Debitura’s intuitive platform keeps you fully informed and in control, regardless of your location.
- BDIU-Compliant, Brand-Safe Approach — ACCS conducts each Inkassoverfahren with respectful, documented communications that protect your customer relationships and stay within German debtor-protection laws.
- Higher Recovery, Less Admin — Clients see up to 40 % better recovery rates and save 86 % admin time versus in-house chasing—freeing your team for core business.
“Debitura helped us recover €12,000 from a Munich-based supplier in under 30 days—seamless, professional, and fully managed through their online platform.”
— CFO, Nordic Trading Group
Our Guide to debt collection in Germany
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
- 4.97/5 average rating from 600+ client 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:
Last updated:
Learn how debt collection works in Germany—procedures, timelines, creditor rights, and enforcement—and how Debitura helps global creditors recover overdue payments efficiently and risk-free.
Who does what in German debt collection?
Germany’s debt collection system involves three key actors—collection agencies (Inkassounternehmen) for pre-legal recovery, lawyers (Rechtsanwälte) for disputed claims and court proceedings, and court bailiffs (Gerichtsvollzieher) for enforcement—and Debitura supports you end-to-end across all stages.
Collection Agencies
- Best for: Uncontested invoices, amicable plans, and the Mahnverfahren (order-for-payment).
- What they do: Locate debtors, negotiate payment, submit Mahnbescheid/Vollstreckungsbescheid for simple claims.
- Compliance: Must be registered under the RDG and supervised by the Bundesamt für Justiz.
- Fees: Statutory caps since 2021; standardised and recoverable from the debtor if successful.
- What you provide: Invoice/contract, delivery proof, correspondence, debtor details.
Lawyers (Rechtsanwälte)
- Best for: Disputed claims or complex cases.
- What they do: Draft suits, represent at Amtsgericht (≤ €5,000) and Landgericht (> €5,000; counsel required), secure evidence, seek interim measures.
- Fees: Governed by RVG (predictable by claim value); usually borne by the losing party.
- Plus: Advise on insolvency impacts, settlement strategies, and cross-border enforcement.
Court Bailiffs (Gerichtsvollzieher)
- Best for: Enforcement after you have an enforceable title (e.g., Vollstreckungsbescheid or judgment).
- What they do: Wage and bank garnishments, on-site seizures, Vermögensauskunft (asset disclosure), serve documents.
- How it works: Appointed via the local court; low, fixed statutory fees added to the debtor’s balance.
- Tip: Combine garnishment with asset disclosure to map recoverable income and accounts.
Legal landscape for debt collection in Germany
Germany applies clear, codified rules that balance creditor rights and debtor protections—from fast-track payment orders to strict licensing and data privacy.
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The Civil court system in Germany
- Mahngericht for uncontested claims via Mahnverfahren → quick Vollstreckungsbescheid (enforceable title).
- Amtsgericht handles claims ≤ €5,000; Landgericht > €5,000 (lawyer required).
- Appeals escalate to Oberlandesgericht/BGH; enforcement via Zwangsvollstreckung.
- Court bailiffs (Gerichtsvollzieher) execute garnishments, seizures, and asset disclosure (Vermögensauskunft).
Key legislation in Germany
- BGB §§286–288: default (Verzug), statutory interest, €40 B2B fee for internal costs.
- ZPO §§688–703d; 704–802: Mahnverfahren, litigation, and enforcement tools.
- RDG: only registered agencies or licensed lawyers may collect; oversight by Bundesamt für Justiz.
- RVG & GKG: standardized, claim-value–based attorney and court fees.
- GDPR/BDSG: strict data processing, retention, and security requirements.
Consumer protection in Germany
- Fee caps (2021 reform) limit pre-legal charges and ban double-charging (agency + lawyer).
- Mandatory, clear disclosures on debt amount, basis, interest, and rights to dispute.
- Proportional, respectful contact—no harassment; documented communication required.
- P-Konto and exemption thresholds protect essential income in garnishments.
- Transparent processing of personal data with access/objection rights under GDPR.
Debt Collection Process in Germany – Clear, Fast & Fully Managed
Debt recovery in Germany requires precise local expertise. Debitura, in exclusive partnership with our licensed German collection agency ACCS Germany, simplifies every step—ensuring maximum efficiency, transparency, and compliance:
Submit your claim in minutes; our licensed German agency expertly manages amicable collections. Legal escalation is optional, transparent, and clearly communicated. No payment unless your debt is recovered.
Step 1. Quick & Secure Claim Submission (Forderungsübergabe) 📤
Easily initiate your case in under 2 minutes, using one of our convenient and secure methods:
- Online Dashboard: Directly upload overdue invoices and debtor information quickly.
- REST API Integration: Securely connect your internal finance systems to automate claim submissions.
- ERP Integrations: Seamlessly submit claims via popular ERP platforms such as QuickBooks and Xero.
- Zapier Integration: Automatically transfer claims from over 5,000+ compatible business apps.
⏳ Duration: Immediate submission, instant case activation.
- Next Steps & Initial Response: Upon submission, our specialists at ACCS Germany promptly review your documentation, confirming completeness and compliance within 24-48 hours. You will receive confirmation of acceptance and details of immediate next actions, including timelines for first debtor outreach.
- Data Security & Confidentiality Assured: All communications and documents are handled through secure, SSL-encrypted channels. Debitura and ACCS strictly adhere to GDPR regulations, safeguarding your data at every step.
Step 2. Amicable Collection(Vorgerichtliches Mahnverfahren) by Licensed Experts 🤝
ACCS Germany initiates professional debtor communication:
- Compliant, escalating payment reminders (Mahnschreiben), tailored calls, and respectful negotiations.
- Debtor details verification and potential installment arrangements.
- Strict adherence to German debt transparency laws (Rechtsdienstleistungsgesetz, RDG), ensuring debtors clearly understand their rights, timelines, and obligations at every stage.
⏳ Duration: Typically 15–30 days, depending on debtor responsiveness.
Step 3. Optional Legal Escalation – Gerichtliches Mahnverfahren ⚖️
If amicable collection fails, ACCS seamlessly transitions to Germany’s streamlined judicial payment order process (gerichtliches Mahnverfahren). Uncontested debts typically resolve within 6–8 weeks. For contested or complex cases, Debitura transparently provides up to three competitive quotes from specialized German debt collection attorneys, clearly outlining expected court costs, litigation fees, and timeframes.
⏳ Duration: 6–8 weeks (uncontested), several months if litigation is contested.
Step 4. Enforcement & Recovery 🏦
After securing an enforceable title (Vollstreckungsbescheid), ACCS Germany pursues enforcement:
- Wage garnishment (Pfändung)
- Bank account seizures
- Bailiff enforcement (on-site visits and asset seizure)
Every enforcement action is digitally documented and trackable 24/7 via Debitura’s centralized platform—ensuring complete transparency until your funds are recovered.
⏳ Duration: Typically 2–4 weeks, varying by debtor circumstances.
Relationship-Preserving Collection Approach
At Debitura, we understand that maintaining positive business relationships during the debt collection process is crucial. Together with our local partner, ACCS Germany, we prioritize preserving your relationships with debtors through:
- Professional & Respectful Communication: Highly trained collection experts communicate clearly, respectfully, and neutrally, reducing friction and protecting your brand reputation.
- Flexible Payment Solutions: Offering structured payment plans or mediation options helps debtors fulfill obligations without damaging future business relationships.
- Transparency & Fairness: Clear, multilingual communication ensures debtors fully understand their rights, the timeline, and the steps involved, significantly reducing disputes and enhancing cooperation.
- Ethical Standards & Training: Our collection practices strictly adhere to German regulations (RDG), GDPR compliance, and professional ethics, ensuring respectful treatment and safeguarding your reputation.
Want to learn more about how to collect debt in Germany? Then read our new 2025 legal guide on debt collection in Germany.
Transparent Pricing: No Win, No Fee Debt Collection Germany
Debitura provides clear, predictable, and fully transparent pricing—no upfront fees, subscriptions, or hidden charges.
Our No Win, No Fee model ensures zero risk: you only pay after your debt is successfully recovered, giving you full financial confidence and predictable cash flow.
Pre-Legal Debt Collection Pricing (No Win, No Fee)
Our straightforward pricing structure is based solely on successful debt recovery:
- Claims under €999: 20% success fee
- Claims from €1,000 to €149,999: 9.5% success fee
- Claims above €150,000: 6% success fee
No setup charges, monthly subscriptions, or hidden administrative fees—guaranteed. If we don’t collect, you owe nothing.
Optional Legal Action – Clear & Competitive
Should legal escalation become necessary, Debitura makes the process simple and transparent. We source up to three competitive, obligation-free quotes from vetted German debt collection attorneys.
- Quote Sourcing Cost: €0 (always free)
- Attorney & Court Fees: Fully itemized, transparent, and clearly communicated upfront
- Your Control: No legal action proceeds without your explicit approval of costs and strategy.
Who We Help – Specialized Debt Recovery Solutions in Germany
Debitura provides targeted debt recovery solutions for businesses of all sizes facing international debt recovery challenges in Germany. Trusted by 120+ international clients across 30+ countries, we have extensive experience supporting industries including logistics, automotive, manufacturing, technology, and professional services.
- SMEs & Small Businesses ✅
SMEs rely on steady cash flow. Whether you're a UK startup owed payments by a German distributor or a mid-sized exporter facing delayed invoices from German clients, Debitura makes cross-border collections straightforward, affordable, and risk-free. Recover debts easily via our intuitive digital platform and expert local support. - Enterprises & Multinational Companies 🏢
Multinational corporations, such as US-based manufacturers managing overdue payments from German subsidiaries, benefit greatly from Debitura’s centralized approach. Streamline complex, multi-jurisdictional collections through one unified platform—fully supported by licensed German experts who handle local legal intricacies and compliance. - International Suppliers & Partners 🌍
Global exporters and suppliers appreciate our English-speaking German debt collection experts. Clearly communicate your needs and efficiently manage German debtors, preserving critical business relationships. Debitura ensures fast, professional, and compliant cross-border debt recovery, helping your global business maintain smooth financial operations.
Start Recovering Your International Debts Now →
Our German & International Expertise
Debitura delivers seamless cross-border debt recovery in Germany and beyond—powered by 500+ fully licensed local partners, including specialists like ACCS Germany. With vetted multilingual experts covering 183 jurisdictions, our standardized "no win, no fee" pricing and unified global collection terms ensure maximum transparency and efficiency. Each partner agency deeply understands international commercial law, local debt collection practices, and seamlessly integrates with credit-check services, local courts, attorneys, and export insurance providers. Track all cases effortlessly through our centralized digital platform.
Find a Local Collection Partner in Your Market →
Tech-Enabled Debt Collection in Germany – ERP, API, AI & Secure Integrations
Leverage cutting-edge technology to automate and enhance your debt recovery process in Germany with Debitura. Our innovative legal tech solutions and secure integrations significantly boost your efficiency, accuracy, and collection success.
- Plug-and-Play ERP Integrations: Instantly submit claims, synchronize payment statuses, and streamline international debt management with seamless integrations into ERP systems like QuickBooks and Xero.
- Flexible REST API for Custom Integrations: Easily integrate Debitura securely with your internal finance systems. Centralize workflows, automate data transfers, and effortlessly manage debt collection across multiple platforms.
- Zapier Integration (5,000+ apps): Automate repetitive administrative tasks by connecting Debitura with the apps your finance team already uses, improving accuracy, productivity, and freeing up resources to focus on strategic initiatives.
- AI & Legal Tech Innovations: Our platform utilizes advanced AI technologies like intelligent document analysis and chatbots (powered by ChatGPT and industry-leading tools) to expedite debtor communications, perform precise legal analyses, and optimize collection strategies.
- Enhanced Security & Compliance: Protect your sensitive financial data with SSL-encrypted file sharing, GDPR-compliant data handling, and secure 24/7 online file access. Debitura ensures your collections remain secure and fully compliant with German and EU data protection regulations.
- Integrated Credit Checks & External Data: Benefit from direct integration with leading credit bureaus like SCHUFA, enhancing debtor assessment and decision-making through real-time financial solvency checks and proactive debtor monitoring.
Spend less time chasing invoices—experience faster collections, improved accuracy, and maximum efficiency with Debitura.
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
CMS Collection GmbH is a premier debt recovery agency in Mainz offering effective Debt Collection services in Germany, founded in 2013, and recognized for its memberships in BDIU, BvCM, and ICE, serving clients worldwide with trusted expertise.
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CDR Legal Rechtsanwalt GmbH is a premier law firm in Rosenheim offering effective Debt Collection services in Germany, founded in 2012 and led by Corinna D. Ruppel, with a nationwide presence and memberships in Deutscher Anwaltverein and Deutsche Vereinigung für Erbrecht und Vermögensnachfolge.
BridgehouseLaw Germany Villwock Heinze Rechtsanwälte PartGmbB is a premier law firm in Cologne offering effective Debt Collection services in Germany, recognized since 2019 with accolades such as the Acquisition International M&A Awards, serving countries including the USA, Canada, and China.
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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