Debt Collection in Germany.

Our German Desk resolves most of the cases amicably through direct negotiations. We manage the entire debt collection process, from issuing “reminder letters” (Mahnschreiben), conducting “reminder procedures” (Mahnverfahren), and, if necessary, proceeding to “court procedures” (Klageverfahren). Our approach involves thorough research utilizing international credit reports and direct communication with debtors for effective resolutions. Book your free consultation today, and let’s tackle these challenges head-on.

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Service offering

No Cure = No Pay

All our debt collection services in Germany operate under a 'No Cure = No Pay' policy. Put simply, if we aren’t successful in recovering your debt, you won't have to pay any commission. On the other hand, if we do successfully collect the debt, a commission fee will apply. Often, this fee can be covered by the debtor as part of the settlement.

No Unexpected Costs

For debt collection in Germany, our process includes a straightforward start-up fee ranging from €75 to €175. This transparent approach is designed to ensure that your case is handled efficiently and effectively, with a focus on achieving results without any hidden costs or unexpected charges.

Amicable Procedures

Our debt collection agency Germany team prioritizes settling cases amicably, a strategy that's both time-efficient and cost-effective. This approach has successfully resolved hundreds of the cases we have worked on in Germany, reducing the need for complex and lengthy legal processes. We adapt our approach to each client's preference, whether a softer or more assertive strategy.

Legal Procedures

If a case in Germany requires legal intervention, we're equipped with the right legal partnerships. Our network includes law firms familiar with Germany's legal system, ensuring specialized support for your case. Often, when a debtor refuses to pay, it often points to their poor financial condition. Additionally, objections raised against your claim, such as citing defects, are typically tactics used to delay payments.

Travel to Collect

Our unique 'Travel to Collect' service is available for German cases too. If needed, we will personally visit debtors within the country or outside, a tactic that has proven to be very effective for quick debt recovery in the past.

Expertise of German-Speaking Collectors

Our team includes native German-speaking debt recovery agents, ensuring that all communication and legal actions are carried out with precision and cultural understanding. You'll have a personal contact for your German debt collection needs, offering customized advice and updates.

Let’s start

Get your free consultation today.

Today could be the first step towards resolving your debt collection issues in Germany. We're here to listen, understand your situation, and answer any questions you may have.

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Our process

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Before we start working on a new case, we do in-depth research on your debtor, including their financial history. This is a key part of our strategy, as it helps us understand why your invoice hasn’t been paid. We look at international credit reports and local databases, like the Bundesrepublik Deutschland Finanzagentur GmbH, to get a complete picture. This thorough approach allows us to tailor our strategy specifically for your debtor’s situation.


Efficient Strategy

Our approach to the debt collection procedure  in Germany is designed to be comprehensive, client-focused, and backed by legal expertise. We only proceed with a collection if there’s a realistic chance of success. This ensures that your debt collection needs are met with the highest standards of service and resources are not spent in vain.


Start Case

Our debt recovery process is prompt and efficient. Within 24 hours of receiving a new case, a dedicated caseworker is assigned to draft and send the initial demand letter, or ‘Mahnschreiben’. This letter, written in German, is customized to fit the specifics of your case, ensuring a swift and effective start to the debt recovery process.


Amicable Collection

Our goal is to amicably resolve as many cases as possible without resorting to legal proceedings, saving you time and resources. The Mahnverfahren is a quick legal method used in Germany for cases where there’s no dispute over the debt. We quickly get a court order that tells the debtor they must pay what they owe you, including any legal costs. The debtor has only a short time, usually a few weeks, to challenge this order. If they don’t challenge it, the order is set in stone, and we can then go ahead and make sure the debtor pays up as ordered by the court.


Legal Collection

In instances where amicable collection isn’t feasible, we’re prepared to escalate to legal action. However, this is a less common scenario, with less than 5% of our settled cases requiring legal intervention. In disputed cases, we recommend the Klageverfahren, a standard civil procedure. Parties are required to provide evidence for their claims. The court then decides the case after one or more hearings.



Upon successful recovery of your funds in Germany, we issue a commission fee invoice, which in most cases, will be covered by the debtor. If we’re unable to recover the debt, you won’t be charged any fees.

Industries we operate in

At Byrival, our expertise as an international debt collection agency spans across various industries around the globe. Over the past 22+ years, we’ve built a wealth of knowledge in numerous sectors, thanks to our extensive and diverse clientele. Do you have cases outside these industries? No worries, we can still help you!


We collect debts worldwide.

Contact us to discuss your case.

FAQ on international debt collection

In Germany, debt collection (“Inkasso”), starts when a customer doesn’t pay their bill on time. It begins with a payment reminder and can escalate to a warning letter with fees. If there’s no response or payment, legal action may follow. However, compulsory enforcement against the debtor only begins after a court ruling.

Debt collection is regulated by several laws, including the Civil Code and Insolvency Law. Creditors should document all business interactions and comply with German commercial law. For court proceedings, evidence like contracts and invoices is crucial.

If the debtor pays after the first demand, they must cover the fees. In certain conditions, interim measures like asset seizure can secure future enforcement. The statute of limitations for debts is typically three years, varying by debt type.

In Germany, the statute of limitations for collecting debts is usually three years. This period starts at the end of the year when the debt is incurred, and the creditor knows who the debtor is. However, different types of debts may have different limitation periods.

The duration of a debt in Germany typically depends on the debt type and any actions by the debtor, like payments, that can extend it. While the general rule is a three-year statute of limitations, specific circumstances can change this timeframe.

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