Enable a collection agency

Your reliable partner for collecting outstanding payments

Are you dealing with unpaid invoices and considering hiring a debt collection agency? At Credifin, we are ready to assist you swiftly and decisively where others may fall short. With our No Cure, No Pay approach, you pay nothing if we are not successful. Entrust us with the task, and we will work tirelessly to recover your money!

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Why Hire a Debt Collection Agency?

Hiring a debt collection agency is the perfect solution when customers fail to pay their invoices. We specialize in recovering outstanding payments, whether it involves business clients, individuals with overdue bills, rent collection, B2B collections, membership fee payments, or international debtors. At Credifin, we ensure that you no longer have to worry about non-paying customers.

Benefits of hiring a debt collection agency with credifin

100% No Cure, No Pay
No subscription or file costs
Fast results thanks to 20 years of experience
Follow the progress 24/7 in your online file
Submit your direct debit within 5 minutes

When should you hire a debt collection agency?

Don’t wait too long to hire a debt collection agency. The longer you delay, the harder it becomes to recover the outstanding amount. If a customer fails to pay after receiving reminders and possibly a final demand, it’s wise to seek our assistance. By acting promptly, you can often avoid legal action and increase the likelihood of successful debt recovery.

Pre-Collection and preventative measures

Our pre-collection services help address payment issues early. By sending a final demand letter to the debtor on Credifin’s behalf (also known as a WIK letter), we give the customer one last chance to pay. This approach often prevents the need for a full collection process, saving both time and costs.

Important Note:

For consumer debts, you must send at least one final demand letter (a 14-day WIK letter) along with the invoice.
For business debts, reminders and demand letters are not legally required but are often recommended.

How does our collection process work?

At Credifin, starting a collection process is simple and tailored to your specific needs. Whether you prefer a friendly approach, a standard process, or a fast 10-day procedure, we offer customized solutions that fit your situation. Using Registered Email™, precise reminders, formal demand letters, and our advanced AI-powered call system, we ensure your customer pays quickly.

Our collection service covers all necessary steps to recover your unpaid invoices. With years of expertise, we employ effective collection strategies to maximize your success.

Legal procedures and enforcement

If the collection process does not result in payment, we guide you through the legal procedures for debt recovery. We handle everything, from drafting the summons to obtaining a judgment and executing it through a bailiff. This ensures that the court’s decision is effectively enforced, so you receive what you are entitled to.

What does it cost to hire a debt collection agency?

Our services are based on the No Cure, No Pay principle: if we don’t succeed in recovering your money, you don’t pay us anything. If we are successful, the collection costs are passed on to the debtor, ensuring no additional expenses for you.

Note: Additional charges apply for extra services, such as sending a final demand, initiating legal proceedings, or filing for bankruptcy.

Hire a debt collection agency without minimum amounts

At Credifin, we don’t impose minimum amounts for our services. We believe that every payment matters. Whether it’s a small or large claim, our team is ready to assist you. Simply submit your invoices, and we’ll get to work right away.

No subscription needed

At Credifin, you don’t need a subscription to use our services. While many collection agencies offer subscription models, we prioritize flexibility and transparency. You can hire us whenever you need, with no fixed costs or hidden fees.

Debt collection register: Quality standards for debt collection services (Wki)

Are you considering hiring a debt collection agency? Make sure the agency has the proper license. Starting April 1, 2024, the Quality Standards for Debt Collection Services (part of the Debt Collection Services Quality Act, or Wki) will come into effect. This legislation imposes strict requirements on debt collection agencies and provides additional protection to debtors. Its primary goal is to protect consumers and limit unnecessarily high collection costs.

Official license and registration

Credifin Nederland B.V. is officially registered in the Debt Collection Register maintained by Justis (part of the Ministry of Justice and Security). This means we have undergone thorough vetting and meet all Wki requirements. Our registration guarantees transparent and professional services, carried out by highly trained debt collection professionals. When hiring a debt collection agency, it is crucial to choose a company with the proper license.

Registration Number 0023: Click here to view our registration.

What does the new legislation entail?

Competence:
Debt collection staff must have in-depth knowledge of all relevant laws and regulations, including proper handling of personal data and statutory collection fees.
Treatment of Debtors:
Agencies must communicate transparently and respectfully, avoiding undue pressure. At Credifin, we have been using a people-focused approach for years.
Information and Accessibility:
Clear communication and easy accessibility are mandatory. Debtors must know where they stand and be able to contact the agency easily.
Debt Collection Services Register:
By April 1, 2025, all debt collection agencies must be registered. Starting October 1, 2026, debtors will only be required to respond to registered agencies.

Other types of debt collection agencies: Avoid the wrong approach

Outdated, Non-Digital Debt Collection Agencies

These agencies often rely on paper processes, which slow down collections and provide little visibility into case progress. At Credifin, everything is digital, and you have 24/7 access to your case file.

Large, Impersonal Debt Collection Agencies

In large organizations, you are often treated as just a number, and communication can be challenging—especially for smaller claims. At Credifin, we prioritize personal service, no matter the size of your case.

Subscription-Based Debt Collection Agencies

At first glance, subscription models may seem attractive, but they can become expensive over time. You often pay for services you don’t use. At Credifin, we work without subscription fees or hidden charges. Our No Cure, No Pay model ensures that you only pay if we successfully recover your money, eliminating any unpleasant surprises.

Bij Credifin heb je geen incasso-abonnement nodig om van onze diensten gebruik te maken. Veel incassobedrijven bieden abonnementen aan, maar wij geloven in flexibiliteit en transparantie. Je schakelt ons in wanneer je ons nodig hebt, zonder vaste lasten of verborgen kosten.

Incasso indienen

Do you want to submit your direct debit immediately?

Contact our collection specialists for a no-obligation consultation or start your collection process immediately.

Call us on 020-3452675 or submit your direct debit online and we will get to work for you today.

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Why choose Credifin?

What makes our approach as a debt collection agency unique and more effective:

Customized Solutions : Every claim is unique. We tailor our approach to what works best for you and your specific case.

Highly Efficient Collection Process : By leveraging automation with a call robot and smart payment options like payment links and QR codes in emails and letters, we make it easier and more convenient for your customers to settle their debts.

Seamless Invoice Submission via API : At our debt collection agency, you can easily submit multiple invoices through an advanced API integration. This saves you valuable time and eliminates unnecessary duplicate work.

Real-Time Updates : With our online platform, you can always track the status of your case. No surprises—just clarity and transparency.

Confidence in Our Approach : If we can’t recover your money, it costs you absolutely nothing.

Experienced Team : Our team knows the ins and outs of debt collection. With 18 years of expertise, we have earned the trust of more than 11,500 clients.

Excellent Success Rate : Our proven efficiency is reflected in our success rate of 94%. This high percentage demonstrates our ability to successfully recover outstanding debts in most cases, giving you confidence in our ability to handle your claims effectively.

Licensing and Reliability : Credifin Nederland B.V. holds an official government license, as registered in the Debt Collection Register maintained by Justis. This license confirms that we meet the highest standards for quality and transparency in debt collection services. With Credifin, you are assured of a professional and reliable partner.

In Conclusion : At Credifin, you’re not just getting the best debt collection agency in the Netherlands; you’re gaining a dedicated partner who goes the extra mile to help you recover your outstanding debts.

Submitting a collection: how does it work?

Submit your direct debit order before 5:00 PM and we will take action the same working day!

Do you want to start a collection procedure immediately? At Credifin, submitting a direct debit is arranged quickly and easily. Our process is user-friendly and without hidden costs, so you can get started quickly and without hassle.

You can submit a collection online

You can easily submit your direct debit order online. That will take you a maximum of 5 minutes. You are not committed to anything after that, because at Credifin we do not charge any subscription or file costs. You can therefore also engage us once for an outstanding payment.

Upload invoices in the collection portal

You can easily upload your invoice(s), so that we can get started right away. We then check all data. If any data is still missing, we will complete the file and get to work immediately.

We will get to work for you

We will start working with your outstanding payment(s) the same day. We do this on a No Cure, No Pay basis. Has your debtor not paid anything? Then you don’t have to pay us anything. View our calculation example to see how we calculate the collection costs charged to the debtor.

24/7 online : incasso, herinneringen en laatste aanmaning versturen

Track the progress of your progress

Keep track of the progress of the claim in your online file 24/7. We record all contact moments (telephone calls, SMS, e-mail and letters) with your customer and the agreements we make with them. This way you are always aware of the current status.

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See what our clients say about Credifin

Curious about the experiences of others when hiring a debt collection agency?

“We operate in the fashion industry and want to stay focused on our core business. That’s why it’s so reassuring to have Credifin as a safety net! They take the burden off our shoulders, and thanks to them, we almost always receive all payments.” Bibian Hoyng, State-of-Brands

“With over 45 locations, Orthocenter considers Credifin to be a reliable partner that provides excellent No Cure, No Pay debt collection services. We especially value their human approach to collections.” Bas Molenaar, Orthocenter

“Very positive experience, excellent communication, and a user-friendly system that allows you to quickly check the status of a case.”Eltje de Graaf, Mea Fysio

For any amount: We’re ready to help

At Credifin, you can hire our debt collection agency for any amount, big or small. Whether it’s a single small payment, multiple unpaid invoices, or a one-time request, we’re here to assist you right away. With our No Cure, No Pay approach, it won’t cost you a cent if we fail to recover your money.

Using our user-friendly online portal, you can easily and quickly submit your debt collection request. Upload your invoices with just a few clicks, and we’ll get to work immediately. You can track the progress of your case 24/7 through our online system and always stay informed about the status of your claims.

Start today and experience the convenience

Do you want to start recovering your outstanding payments right away? Submit your collection request via our online platform, and we’ll take care of the rest. No hassle, no risk—we ensure that you get what you’re entitled to.

Want to know more?

Do you have any questions about hiring a collection agency?

020-3452675

info@credifin-nederland.nl

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What is a collection agency? (the history and definition of a collection agency)

A collection agency is a company that is engaged to collect outstanding debts on behalf of a creditor. For example, this could be a company that owes money to another organization or to an individual. If the debtor does not pay voluntarily, a regular collection agency can be called in to help collect the money.

Debt collectors have a long history, dating back to ancient times, when lenders used a variety of methods to collect unpaid debts. Over the years, these practices have evolved and adapted to changing economic conditions and legal frameworks. In modern times, collection agencies are professional organizations that work within the confines of the law to collect debts on behalf of their clients. They play a vital role in the economy by helping to maintain cash flow and minimize credit risk.

As a private individual, can I engage a collection agency?

Yes that is possible. We only deal with matters related to rental agreements and loans.

This means that we can help you if you have problems collecting rent from a tenant or if you have lent money and it is not being paid back.

With money loans, it is important that you have a signed loan agreement, because this provides clarity about the agreements made.

Unfortunately, we cannot help you with alimony and family matters. You can think of, for example, divorces, visitation arrangements and alimony issues.

If you have any questions or would like to discuss your case, please call us. We can be reached on working days between 08:30 and 17:00 on telephone number 020-3452675.

Our employees are happy to talk to you and can give you more information about how we can help you with your specific situation.

As a collection agency, do you also specialize in collecting claims for associations?

As a collection agency, we at Credifin Nederland are indeed specialized in collecting claims for associations.

We understand that associations often have to deal with unpaid contributions, sponsor contributions and other outstanding receivables. That is why we offer an effective and efficient approach to collect these receivables. Our aim is to maintain the relationship between the association and its members, while at the same time striving for a successful collection. We apply a ‘no cure, no pay’ principle, which means that associations only pay if the collection is successful. Our transparent working method as a collection agency for associations and our online collection portal ensure that associations are always aware of the progress of their collection processes.

We also work closely with club collect, you can also submit cases to us via club collect. For more information, please contact us at 020-3452675

Are you a collection agency with coverage throughout the Netherlands?

Of course. We collect throughout the Netherlands. Our office is located in Amsterdam, you can engage us as a larger debt collection agency throughout the Netherlands, from Amsterdam we offer national coverage. This is possible with collection agency Amsterdam, collection agency Utrecht, collection agency Rotterdam, collection agency Alkmaar, collection agency Eindhoven, collection agency Arnhem, collection agency Leeuwarden and collection agency Groningen.

Many foreign clients also know where to find us for debt collection in the Netherlands.

What is the difference between a collection agency and a lawyer?

The difference between a collection agency and a lawyer mainly lies in the powers and method of collecting outstanding claims.

As a collection agency, we specialize in collecting claims without the intervention of a court or writ of execution. We offer an accessible service based on No Cure No Pay. Unlike bailiffs and lawyers, who often charge hourly rates and court costs, we only charge statutory collection costs on top of the principal sum, without extra hourly rates or commissions. This makes our services considerably cheaper than those of bailiffs or collection lawyers, especially because the debtor must pay the collection costs.

Although bailiffs and debt collection lawyers have heavier leverage, research shows that 90% of outstanding claims are settled without the intervention of a judge.

In these situations, we as a collection agency offer the most suitable solution for both debtor and entrepreneur. Therefore choose our collection agency, create an account and submit a test case. We ensure that your outstanding receivables are collected in an efficient and cost-effective manner without putting expensive lawyers or bailiffs to work.

What about legislation and collection agencies?

Legislation is on the way, the 1st and 2nd chamber have set the implementation date of the Debt Collection Services Quality Act (Wki) for collection agencies on 1 July 2023. This finally provides clarity about the implementation of this law.

Debt collection agency Credifin is pleased about this, because unfortunately there are still collection agencies that behave inappropriately towards people with problematic debts. With this law, stricter supervision will finally be exercised and rules will be introduced for debt collection agencies.

However, it is important to note that there is not yet a complete overview of all requirements that must be met. Although the legal text of the Wki is known, the Quality of Debt Collection Services Decree (Bki) has not yet been completed. The Bki is the General Administrative Order that describes the necessary requirements that debt collection agencies must meet when applying for a permit.

Here is a summary of any legal rules / upcoming measures that are coming:

The Wki aims to:

Protecting debtors against improper and unreasonable collection practices.
Improving the quality of debt collection services and ensuring fair competition.
Promoting better cooperation between bailiffs and collection agencies.

To achieve these goals, the Wki proposes a number of measures, such as:

Debt collection agencies must have a license to offer collection services. In order to obtain a licence, collection agencies must meet certain requirements in the areas of professional competence, integrity and financial security.
There will be a central register, where you now all have a Dutch Association of Debt Collection Companies, in which all permit holders are included. This makes it easier for consumers and businesses to check whether a debt collection agency has the correct permit.
Rules of conduct are drawn up for debt collection agencies, which they must adhere to. These rules relate to matters such as communication, transparency and the amount of collection costs.
There will be an independent supervisor to ensure that debt collection agencies comply with the rules and who can take action in the event of violations. In case of violation of the rules, sanctions can be imposed, such as fines or withdrawal of the permit.

Here are some articles about the law:

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