Debt Collection in

  • Effortlessly start your case within 2 minutes
  • Assistance in the pre-legal phase or Haastehakemus or Ulosotto in the judicial phase
  • Specialists for small, medium, and large enterprises
  • Debt collection in Helsinki, Tampere or Turku? 95% success rate throughout Finland
  • No Cure No Pay debt collection
8.9 rating out of 1161 reviews
Debt Collection Finland
Meet our international debt collection specialists

When dealing with debt collection in Finland, you can count on Bierens to act swiftly and efficiently against your debtor. With more resources than a regular debt collection agency in Finland, our experts can help overcome the language, cultural and legal differences that arise when dealing with Finnish debtors. Our specialists always start in the extrajudicial phase on a No Cure No Pay basis. Should legal action be necessary, then our debt collection lawyers can assist you in the judicial phase when applying for the Haastehakemus or Ulosotto against your Finnish debtor. For successful debt collection in Finland, find out what our experts can do for you and recover your debt.

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

Recover your unpaid invoices in Finland in 7 simple 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 Finland.
  • Step 2: Your caseworker will send your debtor a demand letter. This will be written in Finnish and customised according to your case.
  • Step 3: We start our investigation by checking international credit reports and local databases. This way we can understand why the invoice was not paid. This helps us to define our strategy to solve your debt collection case in Finland 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 Finnish debtor fails to respond to the demand letter, then our efforts do not stop there. We will contact your debtor by phone and in writing. By directly contacting your Finnish 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 across Finland and private detectives, we can further investigate your debtor.
  • Step 7: 95% of our cases are solved in the extrajudicial phase without court intervention. With the expertise of our native in-house specialists and the various resources that we have in store for your Finnish debtor, we can collect your claim. If your debtor refuses to pay or disputes the case, we can continue in the legal phase in consultation with you. Before doing so, we extensively discuss your options and possible costs.
Submit your case before 16.00pm and we will act today!

International experts for debt collection in Finland

With a team of more than 115+ experts in international recovery, our lawyers can tell you everything you need to know on debt recovery in Finland. 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. By overcoming the language, cultural and legal differences, our international debt collection specialist can have your unpaid debt recovered in no time. Find out more about our international team here.

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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 Finland

When solving your debt collection in Finland, we aim to recover your debt without court intervention. We start on a No Cure No Pay basis, whereby we charge €185,- 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 Finland, you can expect the following:

  • Personal contact with your caseworker
  • Personal contact with your Finnish 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.

No win No fee
Incasso in Finland

Debt collection laws in Finland

Debt collection laws in Finland may differ compared to the regulations in your country. Often following local procedures is much more effective and faster. With an international debt collection lawyer by your side, they can initiate the following procedures on your behalf:

Haastehakemus: Application for a summons

To initiate legal proceedings, you must submit a written application for a summons to the court. The debtor is then asked to pay the full principal amount of the debt including the interest and costs. The request is then registered with the court and a summons is sent to the debtor. The whole process is done by mail. The debtor is given 14 days to respond to the summons. The debtor can respond in the following ways:

  • The debtor can directly contact the creditor or his representative to pay the debt in full or negotiate a payment plan to avoid legal proceedings
  • Accept the debt: In this case, the court orders that the debt must be paid in full
  • Dispute the claim: If the debtor disputes the claim, they must substantiate this and present it to the court. The proceedings in a disputed case are often lengthy and considerably more expensive
  • No response: if the debtor does not respond to the summons, the Court may issue a notice of default in favour of the claimant
Enforcement order
Regular proceeding €6000 onwards

Ulosotto: Attachment order

If the debtor does not voluntarily comply with the court’s decision, the decision can be enforced by means of an attachment order. The case will not be sent automatically for attachment, as the creditor must request it from a bailiff. After processing the request, the bailiff will send the debtor a notice of initiation. In addition, a letter of formal notice is sent to the debtor, giving them the opportunity to make the payment voluntarily. Is the claim not paid voluntarily? Then the income or assets of the debtor are seized. It is also possible that the bailiff makes a payment arrangement with the debtor while taking your interests into account.

International debt collection laws in Finland

Regardless of where you and your debtor are located, our experts can help creditors with debt collection in Finland. 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.

International debt collection
Bailiff in The Netherlands

Debt collection enforcement in Finland

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

The limitation period in Finland

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.

Summary proceedings

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

  • Highest collection rate throughout Finland
  • Extensive measures to recover your debt in the extrajudicial and judicial phase
  • No Cure No Pay debt collection in Finland
  • 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 Finland today

Start your debt collection case in Finland 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.


Free case evaluation by 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 Finland. Find out how our international specialists and lawyers have helped other companies in similar situations and find the solution for debt collection in Finland.

Frequently asked questions about debt recovery in Finland

How does debt collection work in Finland?

Debt recovery in Finland always starts in the extrajudicial phase where we send your debtor demand letters and contact them by phone in Finnish. 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 Finland?

Our debt collection strategy starts in the amicable phase without court intervention, 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 Finland?

We handle all out-of-court cases on a No Cure No Pay basis, also in Finland. Our starting fee is €185,- for administrative costs. We aim to recover the principal amount including interest and costs from your debtor as much as possible, however, this depends on the amount and complexity of the 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 Finland 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 Finland?

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 Finland?

If legal proceedings are necessary, we can assist you with the Haastehakemus or Ulosotto. Once obtaining an official court verdict, we can help to 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. With different laws regarding bankruptcy, our layers can tell help you determine your chances of recovering your debt.