Bad Debt Collection


Altius offers a full range of debt collection services to suit your individual requirements including pre-legal collections, data cleansing, tracing, data gathering and dispute resolution. We can tailor a strategy to best suit your customer base whether it is commercial or consumer or a mixture of both. Consumer Debts: These usually follow our 30 day strategy. We data cleanse information to ensure accurate information to enhance the chance of success at no cost to you. Our collection strategy comprises of three letters supplemented by a combination of effective SMS text messages and telephone calls. All correspondence can be viewed and downloaded from our online Debt Manager system.
Consumer Debts :These usually follow our 30 day strategy. We data cleanse information to ensure accurate information to enhance the chance of success at no cost to you. Our collection strategy comprises of three letters supplemented by a combination of effective SMS text messages and telephone calls. All correspondence can be viewed and downloaded from our online Debt Manager system.
Commercial Debts :We can create a strategy most appropriate to your customer base however, the standard initial action usually undertaken when pursuing business to business debts is a letter before action (LBA) supported by telephone calls and internet checks to confirm contact details. We claim either contractual or late payment legislation interest and late payment compensation from the LBA stage and the amount is added to the debt value and is also included on any subsequent claim form should court proceedings be issued. During the collections process we can also seek to obtain information about your debtors should you so wish including information as to outstanding County Court judgments, insolvency information, home-ownership checks as well as employment information. This information all assists in the decision making process as to whether or not it is feasible to go ahead with Court action.

We are your strategic partner in B2B accounts receivable management. Ready to support you at any stage of your order-to-cash cycle. Business-to-business collections are handled differently. This is a very technical process to recover your bad / overdue debts at the earliest. We provide collection by way of amicable collections, settlements sending demand Letters, continuous discussions , meetings, visits and standby services. We aim at coordinating the debt collection process. Our local presence and proficiency in the local language of the debtor’s region, maximize the possibility of the debt amount we collect. We are focused to achieve best results for the clients. This can be either collecting 100% amount or making a settlement whereby both the parties are satisfied.
India’s largest and most experienced company into Risk Management and B2B Collection services. We provide solution to Clients, for business & financial risk covering over worldwide locations having reach to around 197 countries.


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First Party Collections


Receiving payments on time can be challenging. Our outsourcing accounts receivable solution offers support where, when and how you need it.



Amicable Debt Collections



We help you promote and retain positive working relationships with your customers by providing non-contentious solutions through our amicable commercial debt collection services.


Insolvency Services



As a global debt collection firm with a worldwide network of lawyers and experienced professionals we are well placed to make claims on your behalf against bankrupt debtors wherever they are located.


Standby Servicing



Our Standby Service monitors your financed portfolio. It automatically activates collection activities once a trigger event occurs, providing you with our local and international collection expertise.


Bad Debt Collection FAQ’s

Our amicable process consists of a combination of letters, emails and telephone calls, made in the debtors local language. The exact sequence of our letters and calls will vary by country, based on the debt value, debtors’ response and in accordance with the culture and laws of each country. For all countries, a first reminder letter is sent to your debtor within 48 hours of receipt of the case, with a follow up call made normally between 1 to 10 days after the first reminder is sent. If there is no positive response from the debtor then between 2 to 3 reminder letters are sent and further calls are made to the debtor of differing intervals dependent on the country. If we are not successful in collecting your debt during the amicable phase then we will provide you with our recommendations for next steps, such as legal action, including the estimated costs and timescales
We try to reach the debtor by email, phone calls and sometimes even by fax, depending on the information at hand. We also attempt to find additional information and trace the debtor in order to get in contact. In some circumstances, agents may be used to trace or visit the debtor's business premises.
When it comes to collecting overdue debts, time really is money. We do accept old invoices but in general, the older the case, the lower the chance of full collection. If the oldest invoice is 180+ days overdue, an extra 2% commission will be charged on top of the standard commission rate after a successful recovery.
Yes, you can place as many cases as you would like us to handle. You can also place one case with us and continue to place cases as they become overdue.
If the amicable process is not successful, the collector will assess the case for legal action. This is based on the debtor’s financial status, age of the debt, estimated cost of legal action, available documentation and chance of success. The timescale and cost of legal action will differ by the debtor’s country and the size of the debt. It is the customer’s decision only to proceed with legal action, and costs will be charged back to the customer.
The collector has several ways to reach a settlement on the outstanding debt. This usually depends on the debtor’s situation but settlement conversations are always conducted in a respectful manner. Settlements may result in a repayment plan or a deal proposal (i.e. a discount), if the entire amount cannot be paid at once.
When you place a debt with us, we request as much information as you can provide. We usually need invoices and contracts, but also statement of accounts and correct debtor contact information.
It usually takes about 90 days to handle an amicable case. This sometimes varies based on the status of contact with the debtor. If we are not successful in the amicable phase, we will provide you with our recommendations for further actions.
We only charge commission based on the amount of money we collect. We also apply cost and interests, which are charged to your debtor, at the statutory rate, if that applies based on the country’s respective laws. There are usually two types of collections:
  • Domestic case – if we are able to collect these costs and interest, we will pay back this amount to you.
  • Export case – if we are able to collect cost and interest on export cases (i.e. cases outside of your registered business location), we will retain these costs.
  • Please note that an extra 2% commission will be charged on top of the standard commission rate for invoices that are 180+ days overdue, upon successful recovery.
    There is no set threshold for us to collect. However, the amount of the debt determines the rates that we charge.
    Atradius Collections is authorised by you to collect the debt. The debtor will be asked to make payment into an Atradius Collections bank account, before the funds are sent to yours. Our success fees are normally retained by us from any amounts paid by your debtor.
    You become a customer as soon as you place a case with us. That means that any payments made by your debtor after our involvement will be subject to our success fees. Please note that our debt collectors immediately initiate debt collection activities.
    If you choose to withdraw the case against our recommendation during the amicable phase, a withdrawal fee may apply. However, you can choose to close the file at the end of our amicable phase at no extra charge.
    You can either contact case agency /manager that is handling the case
    It depends on the country. In general, we do not have any upfront costs. We only charge an introduction fee based on the location of the debtor. This is a one-off fee; following this we only charge commission on successful collection.