Debt Collections Handbook Germany 2018

Debt Collection Handbook

  • ドイツ
  • 農業,
  • 自動車・輸送,

24 9 2018

Having drawn from the expertise of Atradius Collections' local offices, the International Debt Collections Handbook explains the different regulations and procedures for debt collections in Germany.

Amicable collections

General information

 

 

 

Handbook Report Page - Amicable Phase

 

 

 

Atradius Collections maintains a professional collection process, focusing on the relationships between our clients and their debtors at all times. Our team of collection specialists carry out the collection process in-house, contacting debtors both verbally and in writing whilst adhering to federal and state laws. When there is a dispute, we aim to reach an amicable solution between the creditor and the debtor. We do this by analysing all contractual documents (e.g. signed contracts, orders, confirmations, invoices and delivery notes, as well as all standard terms previously agreed upon). All investigations are completed with the assistance and agreement of our legal team.

Interest

Atradius Collections always charges interest to debtors, calculated from the base rate set by the German national bank plus 9% on a daily basis (see European Directive 2011/35/CEE Article 3 in conjunction with paragraph 288, section 2 of the German Civil Code). When creditors have to pay higher interest to their banks, we are able to ask for the higher rate. However, this rate needs to be confirmed by the banks in writing in case any legal action needs to be initiated.

From a cultural point of view, German debtors are used to paying late payment charges, although the actual amount of the interest payment is considered a matter of negotiation between debtors and collectors.

Debt collection costs

In Germany, under the German Civil Code paragraph 280, sections 2 and 3 and paragraph 286, debt collection costs are chargeable to the debtor, representing the creditor’s claim for late payment. If the creditor has a special contractual agreement, this can be taken into account as long as the debtor has previously agreed to the terms.

From a cultural point of view, German debtors are used to paying debt collection costs, though often the actual amount of these costs is considered a matter of negotiation. Atradius Collections will forward all recovered debt collection costs to our client to reduce the claim, retain the cost or add them to the success fee. This will depend on the contractual agreement between the client and Atradius Collections.

The Debt Collections Handbook presents a snapshot of Germany's economic situation and covers the following topics:

  • Accepted and most common payment methods
  • Types of companies
  • Legal procedures & legal system
  • Enforcement in debt, movable and immovable property
  • Insolvency proceedings
  • Pool of creditors

To read more about steps and procedures undertaken in debt collections in Germany:

 

download icon red

 

Download Debt Collections Handbook Germany now!

 

免責条項

本ウェブサイトの記載事項は、一般的な情報提供のみを目的とし、何らの目的においてもこれに依拠すべきではありません。規定条件については、実際の保険契約または該当の製品・サービス契約をご覧ください。本ウェブサイトの記載事項は、買主についてのまたは利用者の代理人としてのデューデリジェンスの実施義務を含め、アトラディウス側に何らの権利、義務または責任を生じさせるものではありません。アトラディウスが買主についてデューデリジェンスを実施する場合は、当社の保険引受をその目的とし、被保険者その他の利益を目的とするものではありません。さらに、アトラディウスおよびその関連会社、系列会社、子会社は、本ウェブサイトの掲載情報の利用によって生じた直接的、間接的、特異的、付随的、結果的損害について一切の責任を負いません。