Local collectors and attorneys act in your debtor's country, in your debtor's language, under your debtor's law. First results typically within 20 days. You pay only when money moves.
We act for your creditor. Our client has instructed this office to recover the above sum, now materially overdue, together with statutory interest and recovery costs under Directive 2011/7/EU.
Payment in full is required within seven days of the date of this letter. Absent payment or a written proposal acceptable to our client, we are instructed to proceed without further notice: registration of the default with the relevant credit bureaus, and issue of proceedings through our attorneys in your jurisdiction under the applicable fast-track procedure.
Our local counsel is already in possession of the file.
This is page one of what your debtor receives. Drafted under the law of the debtor's country, in the debtor's language, from an office in the debtor's market. Hover the black bars — that is where your debtor's name goes.
Tap the country. See the opening line your debtor receives, the legal instrument behind it, and what the law there already gives you as a creditor.
„Sehr geehrte Geschäftsführung, wir zeigen an, dass wir die Forderung Ihres Gläubigers in Höhe von € ███.███ vertreten. Wir fordern Sie auf, den Betrag binnen 7 Tagen auszugleichen…"
« Madame, Monsieur, nous représentons votre créancier au titre d'une créance de € ███ ███. Nous vous mettons en demeure de régler sous 7 jours… »
«Muy señores nuestros: representamos a su acreedor por un importe de € ███.███. Les requerimos el pago en el plazo de 7 días…»
«Spett.le Società, rappresentiamo il vostro creditore per l'importo di € ███.███. Vi intimiamo il pagamento entro 7 giorni…»
"Dear Directors, we act for your creditor in respect of £ ███,███, now due and owing. Payment is required within 7 days, failing which we are instructed to proceed…"
السادة أعضاء مجلس الإدارة، نمثل دائنكم بشأن مبلغ ███,███ د.إ المستحق. نطالبكم بالسداد خلال ٧ أيام…
More than 100 jurisdictions in total. European debt collection additionally carries statutory interest and recovery costs under Directive 2011/7/EU. Full map on the global debt collection agency hub, with dedicated desks such as Spain.
Six offices, collectors and partner attorneys in more than 100 jurisdictions, one dashboard. The arcs are live mandates moving between markets.
International debt collection is the recovery of overdue commercial invoices from businesses in foreign jurisdictions: multilingual negotiation, local legal knowledge, cross-border skip tracing, and escalation from amicable settlement to court action through attorneys in the debtor's country.
Your case reaches a collector in the debtor's country within hours. First debtor contact in 1–3 business days.
Moved, merged, gone quiet? Local investigators confirm the live entity, trading address, and asset position first.
Calls, letters, visits — in the debtor's language. Most commercial cases settle right here.
Default registered with local credit bureaus. A damaged credit file often costs the debtor more than the invoice.
Local attorneys use the fast track: Mahnverfahren, monitorio, injonction de payer, decreto ingiuntivo.
Funds transferred with a full report. A contingency case closed without recovery costs you nothing.
Three models cover nearly every commercial case. The percentage depends on claim age, size, and jurisdiction. Court costs are quoted and approved by you before any filing.
A flat-fee demand sequence under your name, for invoices late but not yet hostile. Escalates only if the debtor stays silent.
A success fee on the amount actually recovered. Nothing upfront. Nothing on failure. The economics only work when you get paid.
Court proceedings through local counsel when pressure fails. For urgency, the fast debt collection service; for contested claims, attorney-based debt collection from day one.
Past that point a cross-border case needs what internal teams rarely have: the debtor's language and negotiation culture, standing access to local credit bureaus and registries, knowledge of which procedural lever actually moves a debtor there, and the demonstrated ability to litigate locally. That is what makes a demand worth taking seriously. Specialist B2B debt collection converts a decaying asset into cash on a success-fee basis, with industry desks for manufacturing, logistics, healthcare, aviation, maritime, and technology.
On the contingency model, nothing upfront. The success fee is a percentage of the amount recovered, quoted in writing before you place the case, and driven by claim age, size, and jurisdiction. If nothing is recovered, no fee is due.
Amicable recovery typically produces first results within 20 days of placement. Cases requiring court action follow the local procedure's timeline: a German Mahnverfahren or Spanish monitorio can produce an enforceable order in weeks if the debtor does not contest.
More than 100 jurisdictions across Europe, the Middle East, the Americas, and Asia-Pacific, each through collectors and partner attorneys based in-country.
No. Cosmopolite works exclusively on commercial, business-to-business claims. B2B recovery operates under different law and different economics than consumer collection, and we stay on the side we know.
The invoice or contract, a statement of the outstanding amount, and any correspondence with the debtor. Placement takes minutes, and a collector in the debtor's country picks the case up the same day.
Yes. Every case is visible in the Haka AI portal in real time, including collector activity, debtor responses, and payment status.
Everything below is the longer read: what an international debt collection agency actually does with your file, how to judge one before you sign, what the law already gives you, and when placing a case is the wrong move. Open what matters to your situation.
An international debt collection agency recovers overdue commercial invoices from businesses in foreign jurisdictions on behalf of the creditor. The work has four layers. First, verification: confirming the debtor still exists as a legal entity, where it trades, and whether it can pay. Second, amicable pressure: demands, calls, and negotiation conducted in the debtor's language by collectors in the debtor's market, which is what separates a demand that gets read from one that gets filed in a drawer. Third, escalation: where the debtor does not engage, the agency's local attorneys use the fast-track instrument that jurisdiction provides to convert the invoice into an enforceable court order. Fourth, enforcement and transfer: turning the order into money and moving that money to your account.
The creditor deals with one contact and one dashboard throughout. The alternative, hiring a law firm in each debtor country and coordinating them yourself, produces the same legal steps at hourly rates, with the coordination cost sitting on your desk.
Four checks separate a serious international debt collection agency from a mailbox operation. Ask where their people physically sit: a genuine network means collectors and partner attorneys in the debtor's country, not a call center working every market in English from one office. Ask for the fee in writing before you place the case, including what happens if recovery fails and who pays court costs if the case goes legal; a no cure, no fee model only means something when the exceptions are on paper. Ask how you follow the case; a live portal showing collector activity and debtor responses tells you the agency expects to be watched. And ask what they will not take: an agency that accepts every file, including claims that are legally dead or debtors already in insolvency, is selling placement volume rather than recovery.
Reviews at scale matter more than testimonials. A pattern across tens of thousands of rated cases is hard to fake; three quotes on a website are not.
Most creditor-friendly jurisdictions maintain a fast-track procedure for undisputed commercial debts, and knowing which one applies is half the leverage. Germany's Mahnverfahren runs through centralized courts and produces an enforceable order against a silent debtor in weeks, with B2B interest at nine percentage points above the base rate under §288 BGB. Spain's proceso monitorio carries no ceiling on the claim amount. France's injonction de payer is filed at the commercial court of the debtor's seat, and French law adds a €40 recovery indemnity per late invoice. Italy's decreto ingiuntivo can be declared provisionally enforceable on strong documentary evidence. In England and Wales, a statutory demand puts a company debtor on a 21-day clock toward winding-up territory, and a CCJ scars its credit file for six years. For cross-border claims inside the EU, the European Order for Payment offers a single procedure valid across member states.
None of these instruments require the debtor to be wrong in an interesting way. They require the debt to be documented and the filing to be done correctly, locally, in the local language.
Two numbers frame the economics. The first is the success fee: on contingency, a percentage of what is actually recovered, set by claim age, size, and jurisdiction, and quoted in writing before you commit. The second is the cost of waiting, which is larger and mostly invisible. Commercial collection industry data puts the recoverable share of a receivable near 94 percent at 30 days past due and below 30 percent once the account passes a year. Every quarter an invoice sits in your aging report, the success fee you would have paid shrinks in relevance next to the principal you are losing.
European creditors also start from a stronger position than most realize: Directive 2011/7/EU entitles you to statutory interest and compensation for recovery costs on late commercial payments as a matter of law, not negotiation. A competent agency claims these amounts alongside the principal, which routinely offsets part or all of the fee.
Candor is cheaper than a wasted mandate. If your debtor is already in formal insolvency proceedings, standard collection is the wrong instrument; the file belongs with insolvency counsel registering your claim in the procedure, and pressure tactics can achieve nothing the law does not already fix. If the debtor disputes the quality or delivery of what you sold, and the dispute is substantive rather than tactical, the case is litigation, not collection, and pretending otherwise burns months. And if the claim has passed the limitation period of the governing jurisdiction, no collector revives it.
Everything else, including debtors who have gone silent, moved, restructured, or simply decided you are far away, is exactly what an international debt collection agency exists to handle. Send the file and let the assessment, which costs nothing, tell you which category you are in.
Free assessment · answer within one business day · no recovery, no fee
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