We work professionally, within the law, and with the commercial relationship kept intact.
Debt collection is the set of steps that lead a debtor to settle an obligation that has fallen due to their creditor.
There is a distinction between out-of-court collection, which runs through contact with the debtor, and court proceedings, which follow only once the out-of-court route has failed to produce payment. CreditCall handles out-of-court collection and, where needed, prepares the documentation for court.
Contact with the debtor, establishing the reason for the delay and agreeing payment or an instalment plan. Faster and substantially cheaper.
Pursuing the claim through the courts. It follows once out-of-court options are exhausted and brings court fees with it.
One rule holds up in practice: the sooner a receivable is dealt with, the likelier it is to be paid. Collecting in the first weeks after the due date, we achieve a success rate above 97%; as the receivable ages, that figure falls.
We do not cherry-pick problem cases - we take every invoice as soon as it falls due. That is the difference: deal with an invoice in the first few days and payment follows in the vast majority of cases. It makes sense at volumes in the hundreds of invoices. We do not handle debts between private individuals.
Firms generating a larger volume of overdue invoices each month. We take on the whole agenda including records, debtor contact and reporting.
Banks, insurers, telecoms operators and energy suppliers. Thousands of customer accounts, where precision of procedure and an audit trail on every step matter.
Permanent handover of the whole agenda, not a one-off campaign. Every invoice is worked as soon as it falls due - we do not wait for it to become a problem case.
Collection in the first stage of arrears, normally in the first days and weeks after the due date. It means early contact with the debtor, establishing why the invoice is unpaid and agreeing a payment date.
97%+success rate at this stageTaking your whole portfolio of overdue invoices into management. It covers portfolio analysis, case prioritisation, debtor contact and regular reporting.
€13.19mrecovered for clients in 2025Systematic contact by phone, email, SMS and letter. It includes instalment agreements and, in justified cases, a pre-action notice.
4 channelsphone, email, SMS and postBefore collection starts we check the documentation and assess how collectable the receivable really is. If the odds are poor we say so up front - there is no sense investing in a hopeless case.
Freebefore the engagement startsWhen the out-of-court route does not produce payment, we hand over complete documentation including the record of all contact with the debtor as the basis for the next step.
Audit traila record of every stepDebtors' personal data is processed in line with GDPR and applicable law. Calls are recorded and the terms are set out in a contract signed before the engagement starts.
Contractualsettled before launchThe process is standardised and at every stage you know exactly where a receivable stands.
We go through the documentation, verify that the receivable exists and has fallen due, and assess how collectable it is. Free and without commitment.
Once the contract is signed we contact the debtor by phone, email, SMS and letter. We establish the reason for the delay and look for a route to payment.
We agree a payment date or an instalment plan. If the debtor will not engage, we follow the agreed escalation scenario through to a pre-action notice.
Collection success is directly tied to how long an invoice has been overdue. In the first weeks we achieve a success rate above 97%; after a few months it falls sharply. That is why we recommend handing receivables over as early as possible.
Assessing a receivable normally takes only basic documents. If you are not sure you have enough, we will go through it with you free of charge.
We set the fee according to scope. For portfolio management we normally work for a standard agreed fee reflecting invoice volume and the range of activities. In justified cases we can tie it to collection success. In line with applicable law, part of the costs of pursuing the receivable is also passed to the debtor.
Assessing a receivable is free. Before any contract we review the documentation, judge collectability and propose an approach. If the odds of payment are poor, we say so up front.
“CreditCall has become an inseparable part of our company - they sell our products through telesales, run the helpline and added early collection. You can really tell they know what they are doing.”
Spreading across five cities lets us run round the clock and keep backup capacity for the unexpected.
No. We are set up for long-term management of a whole portfolio rather than one-off collection of a single invoice. It makes sense from volumes in the hundreds of invoices, where we can put a systematic process in place and deliver a measurable result. We do not handle private debts between individuals.
A document proving the receivable exists – an invoice, contract, order, delivery note or acknowledgement of debt. Then the debtor’s identification details and a summary of contact so far. If you are not sure your documentation is sufficient, we will go through it with you free of charge.
The fee is set according to scope. For portfolio management we normally work for a standard agreed fee reflecting invoice volume and the range of activities; in justified cases we can tie it to collection success. In line with applicable law, part of the costs of pursuing the receivable is passed to the debtor. We propose a specific model once we have reviewed your portfolio.
With early collection – collection in the first stage of arrears – we achieve a success rate above 97%. In later stages the rate falls in direct proportion to the age of the receivable, which is why we recommend handing invoices over as soon after the due date as possible.
With out-of-court collection most cases resolve within weeks. What decides it is the debtor’s willingness to talk and their real ability to pay. You get interim information on every case, so you always know what stage it is at.
We follow an agreed escalation scenario – from telephone and written contact through to a pre-action notice. If the out-of-court route does not produce payment, we hand you complete documentation including the record of all contact, which serves as the basis for court proceedings.
We handle contact professionally and with the commercial relationship in mind. Most debtors have no intention of not paying – they overlooked the invoice, had it unapproved, or have a short-term cash flow problem. In sensitive cases we agree the approach with you in advance.
Yes. Personal data of debtors is processed in line with GDPR and applicable law. All calls are recorded, contact is auditable and the data processing terms are set out in the contract signed before the engagement starts.
Leave us your details - we will go through your goals and put together a tailored proposal. Free, without commitment and without a salesperson chasing you.
Early collection and receivables management for companies that want to protect both cash flow and relationships.
ServiceA happy customer pays more willingly - service and collection are closely linked.
ServicePhone sales and new customer acquisition with measured conversion.