Debt collection in Croatia

Debt Collection in Croatia

When dealing with debt collection in Croatia, you can count on Bierens to act swiftly and efficiently against your debtor. With more resources than a regular debt collection agency in Croatia, our experts can help overcome the language, cultural and legal differences that arise when dealing with Croatian debtors. Our specialists always start in the extrajudicial phase on a No Cure No Pay basis. Should legal action be necessary, we can help initiate the Ovršni postupakSudski postupak or Blokada računa. For successful debt collection in Croatia, find out what our experts can do for you and recover your debt.

Submit your case before 16.00 pm and we will act today!

Debt collection in Croatia explained in 7 steps

  • Step 1: You can easily upload your claim here. All you have to do is enter your details, your debtor’s details and information regarding your debt collection case in Croatia.
  • Step 2: Your caseworker will send your Croatian debtor a demand letter. This will be written in Croatian and customised according to your case.
  • Step 3: We start our investigation by checking international credit reports and local databases. While it helps us understand why the invoice was not paid, it also helps us define our strategy to solve your debt collection case in Croatia more efficiently.
  • Step 4: Your caseworker will reach out to you to discuss the approach you wish to have. We adjust our strategy accordingly and you can track the status of the case 24/7 through our online portal.
  • Step 5:If your Croatian debtor fails to respond to the demand letter, then we will contact your debtor by phone and in writing. By directly contacting your Croatian debtor, we ensure to avoid any miscommunication.
  • Step 6: In some cases, we can also have your debtor visited by debt collectors. With our contacts and private detectives across Croatia, we can further investigate your debtor.
  • Step 7: 95% of our cases are solved in the extrajudicial phase without court intervention. If your debtor refuses to pay or disputes the claim, we can continue in the legal phase in consultation with you. Before doing so, we extensively discuss your options and costs.
Submit your case before 16.00pm and we will act today!

International experts for debt collection in Croatia

With a team of more than 115+ experts in international recovery, our lawyers can tell you everything you need to know about debt collection in Croatia. With each specialising in different countries and industries, our lawyers can tell you everything you need to know in both the extrajudicial and judicial phases. Find out more about our international team here.

Free advice from the best debt collection specialists

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  • Fast solutions for your cases
  • Real measures to recover your payments
  • The best results for the lowest costs

Debt collection costs: No Cure No Pay debt collection in Croatia

When solving your debt collection in Croatia, we aim to recover your debt without court intervention. We start on a No Cure No Pay basis, whereby we charge €150,- for administrative costs. We aim to collect the interest and costs from your debtor; however, this differs per case. With more resources than regular debt collection agencies in Croatia you can expect the following:

  • Personal contact with your caseworker
  • Personal contact with your Croatian debtor by phone and in writing
  • Customised strategy according to your case
  • Access to the largest national and international B2B debt collection databases
  • Real knowledge of local business cultures and payment behaviours
  • Knowledge of national and international judicial procedures
  • Honest advice if legal action is necessary

If legal action is required, then we move to an hourly or fixed fee. We will only do so in consultation with you. You can view our fees here.

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Debt collection in Croatia

Debt collection laws in Croatia

Debt collection laws in Croatia may differ compared to the regulations in your country. Depending on complexity of your case, the following debt collection procedures can be initiated in Croatia:

Ovršni postupak: Compulsory order proceedings

When initiating the Ovršni postupak, the court or notary can order the debtor to pay. When following compulsory order proceedings, the enforcement order is issued based on the nature of the invoice, the court’s verdict and whether or not mediation was used to settle the claim.

Enforcement order
Regular proceeding €6000 onwards

Sudski postupak: Ordinary civil proceedings

If the claim is disputed, then we can initiate civil proceedings against the debtor (“Tužba”). The debtor will have fifteen days to respond to this claim, while both parties will have to present their views in court. In some cases, the judge reaches a verdict immediately, while in others a hearing is scheduled. Depending on the complexity, the lawyer will determine whether follow-up proceedings are necessary.

Blokada računa: Freezing your debtor’s bank accounts

If your claim is based on an existing writ of summons ("Zahtjev za izravnu naplatu") that has not been collected, then the financial authority of Croatia can freeze the debtor's bank accounts until the payment is made. After your debt has been collected, the Financial Authority will instruct the bank to lift the blockage.

Seizure of assets
International debt collection

International debt collection laws in Croatia

Regardless of where you and your debtor are located, our experts can help creditors with debt collection in Croatia. If you and your debtor are both nationals of any member state of the European Union, the European Small Claims and European Order for Payment procedures are two legal possibilities that we can initiate on your behalf. Specific conditions apply, which is why it is best to contact our lawyers.

Debt collection enforcement in Croatia

Once our lawyers have received a judgement against your Croatian debtor, the judgement will still have to be enforced. Under EU law, judgements obtained in an EU Member State are recognized in other EU countries as well. For the execution of a judgment from your country in Croatia, your court will issue a certificate. This is then sent to the bailiff in Croatia together with the judgment. The bailiff can then proceed to ensure that the debt collection judgement is enforced in Croatia.  

Bailiff in The Netherlands
Summary proceedings

Limitation period in Croatia

An outstanding invoice cannot be collected forever. Once an invoice becomes time-barred, you cannot recover the unpaid amount through court intervention. That’s why it is important to act on time. With different limitation periods across different countries, our lawyers can tell you more.

Why hire Bierens rather than a regular debt collection agency in Croatia?

  • Highest collection rate throughout Croatia
  • Extensive measures to recover your debt in the extrajudicial and judicial phase
  • No Cure No Pay debt collection in Croatia
  • Immediate action after uploading your claim
  • 24/7 tracking of your case in our online portal

“Did you know that when litigating against foreign debtors, you should consider the competent court and applicable law?”

Start your debt collection in Croatia today

Start your debt collection case in Croatia today! While our international debt collection team gets started on your case, you can resume your regular business operations. Upload your case for immediate action or contact our experts today.

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Free advice from the best debt collection specialists

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  • Fast solutions for your cases
  • Real measures to recover your payments
  • The best results for the lowest costs

Find out how we have helped others with international debt collection

From simple debt collection cases to complex legal matters, from small businesses to multinationals across different industries, our specialists have assisted over 24.000 companies worldwide, including Croatia. Find out how our international specialists and lawyers have helped other companies in similar situations and find the solution for debt collection in Croatia.

Frequently asked questions about debt recovery Croatia

How does debt collection work in Croatia?

Debt collection in Croatia always starts in the extrajudicial phase where we send your debtor demand letters and contact them by phone. If your debtor disputes the claim or fails to respond, then we can discuss further options including legal action.

How will you recover my debt in Croatia?

Our debt collection strategy starts in the amicable phase without court intervention first, followed by legal action upon your request. Our approach is always firm and respectful, and you will always be informed of the status of your case.

What are the costs for debt collection in Croatia?

We handle all out-of-court cases on a No Cure No Pay basis, also in Croatia. Our starting fee is €150,- for administrative costs. We aim to recover the principal amount including interest and costs from your debtor as much as possible, however, this differs per case. If you decide to take legal action against your debtor, then we move to an hourly or fixed fee. We do not have any hidden costs and will first consult you before proceeding with any action.

How long does an average debt collection procedure in Croatia last?

This depends on each situation and debtor. The amicable phase takes a relatively short time because we provide your debtor with limited time to complete the payment. When starting your case, your caseworker will provide an estimate of the duration of your case. Should your debtor fail to respond, then our specialists and lawyers can provide you with an expected outcome or course of action within 4 weeks. If legal proceedings are necessary, the debt collection process takes longer, which depends on the legal proceedings and whether the debtor raises a defence.

When is a debt collection case taken to court?

Our preference is to collect your claim without court intervention. Therefore, we always start a collection in the amicable phase. If your debtor fails to respond or disputes the claim, you can proceed with legal action. We will only do so in consultation with you first.

What chances do I have for a successful recovery in Croatia?

The chance for a successful recovery depends on the nature of your debt collection case. 95% of the cases are solved on a No Cure No Pay basis. Our specialists and lawyers always do their utmost to ensure to collect your claim as fast and efficiently as possible. We always make sure to give you honest and practical advice that will deliver you the best results.

What legal possibilities do I have for debt collection in Croatia?

If legal proceedings are necessary, we can help initiate the Ovršni postupakSudski postupak or Blokada računa. Once we obtain an official court verdict, we can have measures enforced.

Which documents are required when taking my debtor to court?

If your claim is taken to court, then there are several documents that are required to substantiate your claim. This includes a copy of the contract, applicable terms and conditions, order confirmation, proof of delivery, invoices and a copy of the correspondence with your debtor. If additional documents are required, your caseworker will inform you.

What do I do if my debtor is insolvent?

If your debtor is unable to pay because of insolvency, it is advised to contact our lawyers. You may be required to submit a proof of debt so that we can further determine your chance of recovery.

How long do I have before a debt is written off?

While payment claims within the transport sector have a limitation period of 1 year, under Croatian debt collection laws, invoices can have a longer limitation period. There are various ways in which the limitation period can be interrupted. Our lawyers can tell you more depending on your situation.