Experience gained after more than 50 years of debt collection activities by the company founder

As diverse as faces, the more diverse are debt collection orders. Let us think of the different amounts of claims, the various agreements and reasons for claims. All of this is essential for assessment and processing. The individual of the debtor is also opposed to that of the obligee. The more serious the parties, the greater the collection success.

Issues in debt collection processing

What claim is the collection order based on? Which debtor profile do I encounter? Has a debtor simply taken over or is he trying to profit only; does he belong to the group that would like to, but cannot, or live off others without ever thinking about wanting to pay? Do the amount of the claim and the reason for the claim justify further proceedings?

A debt collection specialist processes around 700 individual cases per month. Accuracy, prudent and relevant action are prerequisites for a successful debt collection activity. The specialization has the advantage in terms of personal, technical and legal knowledge. The procedure is characterized by the continuous gain in knowledge and experience in a factual and legal nature, as well as in the understanding of essential business transactions of the creditor when the claim arises.

The correct assessment of the facts, taking into account the diversity of characters, shows the way how the debt collection process proceeds. If there is an honest effort, the collection can be amicable. People who like to forget to answer for the guilt must expect to be prosecuted with all legal possibilities.

For all parties seriously willing to pay, amicable collection, also in terms of costs, is preferable; In the event of a refusal to pay, the legal or judicial procedure applies, provided that the solvency and / or the amount of the claim and the quality of the files permit this.

The value of debt collection activity lies essentially in the optimal realization of claims using decades of experience, the targeted use of legal knowledge, ongoing compliance with deadlines, consideration of jurisdiction, etc. Debt collection and bankruptcy law (SchKG) is not the only thing that applies to debt collection. The law of obligations, civil and criminal law play a decisive role in the creation, liability and assertion of claims. Persons of legal age and / or capable of judgment, with counsel or patronage, in employment or in retirement, are subject to a different SchKG procedure than sole proprietorships, partnerships, legal companies, associations, public law claims, etc.

Debt collection costs - the problems with "free debt collection"

A few more words about costs and competitors. More and more often new providers are pushing into the market, who often offer free services as possible in order to get orders. With this approach, existing market participants are also placed under increasing pressure with regard to conditions. The necessary expenses and the processing time determine that not much can be done for free or practically free of charge. The less a believer is willing to pay, the less he can be offered. Certainly not a solution is to want to impose all costs on the debtor; this is against the law. Serious collection procedures are always associated with costs and expenses. No office and no court work for free. If these are not legally borne by the debtor, the creditor must pay for them. No reputable debt collection company, which has to pay for wages, social benefits and the entire operating expenses, can seriously offer free conditions. The better the debtor and file quality, the greater the realization rate. When awarding debt collection cases, pay attention to the conditions and the reputation of the debt collection company. Reputation reflects reputation, independence, age and personal situation. The better a debt collection company is equipped with well-trained staff, connections to its own and foreign lawyers (language regions) and foreign representations, the better you are represented.

Debt collection is challenging and not only serves to avoid unnecessary losses, but also supports a well-functioning economy and the rule of law.

Kurt Odermatt
President: dieInkasso AG, 6300 Zug

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Collection from professionals.

dieInkasso AG is one of the leading and most renowned debt collection companies in Switzerland. Every year 40 qualified specialists process over 60 debt collection cases at home and abroad with above-average success.