Meet LIQUIDALocal partner in Heilbronn, Germany
Coverage · Europe
Debt collection agency services in Europe
Find your debtor's country below. We match each claim to a licensed local collection agency or law firm in the debtor's country, under one agreement, and you pay only when money is recovered.
Countries we cover in Europe
Choose your debtor's country
Pick your debtor's country below to see the local process. Key markets include an Italian collection agency, debt recovery in the United Kingdom, debt collection in Germany, a French collection agency, a Spanish collection agency and a Swiss collection agency. Other priority markets, such as Dutch debt collection, debt recovery in Poland, a collection agency in Portugal, Swedish debt collection, Austrian debt recovery, debt collection in Belgium, Czech debt collection, a collection agency in Hungary, debt recovery in Cyprus, debt collection in Malta and Bulgarian debt collection, work under the same agreement.
46 countries in Europe · All 180 countries
AlbaniaAndorraAustriaBelgiumBosnia and HerzegovinaBulgariaCroatiaCyprusCzechiaEstoniaFaroe IslandsFinlandFranceGeorgiaGermanyGibraltarGreeceHungaryIcelandIrelandIsle of ManItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaMoldovaMonacoMontenegroNetherlandsNorth MacedoniaNorwayPolandPortugalRomaniaSan MarinoSerbiaSlovakiaSloveniaSpainSwedenSwitzerlandTürkiyeUkraineUnited Kingdom
No country matches. Try another spelling, or see the full country list.
How it works
Debt collection in Europe, without an agency in every country
One agreement covers every country in Europe we serve. A local partner does the work under local law; you follow every step on one platform.
- Submit your claim
Upload an unpaid invoice in two minutes, by hand, by CSV or from your accounting software. You see the fee before you confirm.
- A local partner takes over
We match it to a licensed agency or law firm in the debtor's country, who contacts the debtor under local law and practice.
- You get paid
You get paid what is recovered, minus the success fee. Court action only starts if you accept a quote.
What it costs in Europe
From 6% in the EU, Iceland, Liechtenstein, Norway, the UK and Switzerland, and from 7.5% in the rest of Europe. No upfront cost. See the fee schedule.
One agreement
Signed once, the same terms in every country. Read the collection agreement.
33 daysmedian time to first payment, European cases
$0upfront; a success fee only when money is recovered
1agreement for every country we cover
Law and regulation
Debt collection law in Europe, in brief
EU rules set the frame; each country adds its own licensing and procedure. Your partner works within both.
A 30-day default payment term when none is agreed, agreed terms between businesses capped at 60 days unless expressly agreed and not grossly unfair, 30 days for public bodies, a flat €40 compensation per late invoice and statutory interest at least 8 points above the ECB rate. The directive also requires member states to respect a retention of title clause agreed before delivery, under national law.
A standard-form court order for uncontested cross-border claims. If the debtor doesn't object in time, it is enforceable in every EU country except Denmark. European payment order guide
A mostly written procedure for cross-border claims up to €5,000, with judgments enforceable in every EU country except Denmark. Small claims guide
Decides which country's courts hear a case, and makes a judgment from one EU country enforceable in the others without extra formalities.
Debtor data is personal data. Collection has to rest on a lawful basis and use only the data it needs.
Many countries require a license or registration for third-party collection; in Germany, for example, collectors must be in the Legal Services Register. Debt collection laws by country
Watch: how collection works, start to finish
From the first reminder to enforcement, including the statute of limitations, enforceable titles and cross-border titles. Then our partners show how collection works in their own country.
The process
How debt collection works in Europe
Debt collection in Europe runs in the same phases in every country we cover. What changes is the local law, the language and the court procedure, and your local partner handles those. Our guide to international debt collection covers the same phases outside Europe.
Your partner checks the debtor's details, then contacts the debtor by letter, email and phone in the local language, using the channels local law allows. Most cases are resolved in this phase, often with a payment plan or settlement under the approval rules in your agreement.
If the debtor still doesn't pay, your partner can send you a quote for court action or enforcement in the debtor's country. It is priced separately and only starts if you accept it.
When money is recovered, the partner deducts the success fee and pays you the rest. If nothing is recovered, you pay nothing for the amicable phase.
FAQ
Debt collection in Europe
Which countries in Europe do you cover?
Every country listed on this page. Each has its own page with the local process and how collection works there.
What does debt collection in Europe cost?
From 6% in the EU, Iceland, Liechtenstein, Norway, the UK and Switzerland, and from 7.5% in the rest of Europe. You pay only when money is recovered, and you see the exact fee before you submit.
Do you collect from consumers?
We collect from businesses across borders. Consumer claims we take on as larger portfolios, agreed with the local partners first: contact us.
Do I need a contract in each country?
No. You sign one agreement, once, and it covers every country we serve. You also sign a short power of attorney the first time you work with a new partner.
What if the debtor disputes the claim?
Disputed claims and legal action are outside the standard terms. Your partner sends a quote on the platform, and nothing starts until you accept it.
Other regions
Collecting somewhere else?
Collect in Europe with one agreement
Create a free account and submit your claim. You see the fee and the partner before anything starts.