Collection process

How does a collection process work?

After submitting the file, the assigned case manager will send you a confirmation email. Our collection procedure will start immediately upon receipt of the file. The law requires us to distinguish between B2B (Business to Business) and B2C (Business to Consumer) cases.

(Note: The general procedure described may vary depending on specific circumstances or at the request of our client.)

B2B Collection Process

For B2B files, we are not required by law to wait 14 days before we may take further action.

From day one, all available information about the debtor is reviewed: we verify whether it is still accurate and whether additional contact options are available. We also check for any solvency issues.

Since the law allows us to act quickly in this case, we can obtain an overall impression within a very short period. If we do not receive a response within 9 days, we will propose sending a field agent to visit the debtor.

Here too, the legal route will only be proposed as a last resort, and only after visiting your debtor (1% of the claims).

B2C Collection Process

For B2C cases, the law (Book XIX) requires a waiting period of 14 calendar days after sending our first letter.

After this period, we aim to obtain an amicable solution as quickly as possible through internal actions, by establishing direct contact with the debtor via all possible channels (letter, email, fax, phone, SMS, etc.).

If, after a maximum period of 20 days, we are unable to establish contact with the debtor, we will send a field agent to visit them. If the address is uncertain, an address search can be conducted.

If, ultimately, the visit does not provide a solution, you can always opt for a legal approach.

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