Professional B2B collection companies operate through a structured process designed to maximise recovery while managing costs for creditors.
Claim Intake
The creditor submits claim documentation through the agency's portal: contract, invoices, delivery proof, correspondence, and debtor details. The agency verifies completeness and assigns the claim to a collector with expertise in the debtor's jurisdiction.
Debtor Assessment
Before any contact, the agency assesses the debtor: corporate registry check, commercial credit report, financial analysis, and identification of attachable assets. This determines whether to pursue amicable collection, immediate legal action, or recommend claim closure.
Amicable Collection
Formal demand in the debtor's language, followed by phone contact and negotiation. The agency structures payment plans, documents commitments, and applies escalation pressure through credit bureau reporting and court filing threats. Resolution rate: 50-70% for claims under 12 months.
Legal Escalation
If amicable fails, the agency recommends litigation with a cost-benefit analysis. Fast-track procedures (Mahnverfahren, monitorio, IOS) for undisputed claims; full litigation for disputed ones. The agency manages proceedings through local lawyers.
Enforcement
Post-judgment recovery through bank seizure, asset attachment, salary garnishment, or insolvency proceedings. The agency coordinates enforcement through local bailiffs and enforcement authorities.
Reporting
Real-time status updates through the case management portal. Regular activity reports. Final closure with accounting reconciliation.