Debt collection is usually difficult and long-lasting. Natural persons or companies, who are in debt, may avoid repaying debts or may not have enough funding to cover them. In such case, a collection agency  or law chambers can provide help.

Debt collection usually begins with procedures which are to repayment in a pre-judicial way. The first step is the  Demand of payment submitted by  the creditors themselves, collection agency or a solicitor. Documents prepared by experienced solicitors are more effective, particularly when the debtor intends to avoid judicial proceeding.

If the demand is not successful, pleading for repayment or assignment of the claim – selling the debt at a part of its value – can be effective. Come collection agencies specialise in buying debts. Assignment of the claim means transfer of enforcement of the debt on the buyer. In this way the creditor may avoid the cost of recovery and of judicial procedures.


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