Below you'll find a list of FAQs about hiring a debt collection agency and about online debt collection. Is your question not included in the list? Then feel free to contact us for more information or advice.

Submit a collection order

How can I register as a new customer?

Via the ‘create account’ button you can easily enter your details and receive your login details. Then you can immediately upload your overdue invoices and relevant documentation.

Do you also handle foreign debt collections?

We only handle debt collection in the Benelux region. We use a specialized agency for other countries (please note: that will result in added collection costs).

Is there a minimum amount for starting a collection?

No, the amount of your outstanding invoice does not matter to us.

Can I also submit a collection order as a private person?

Yes, not in all cases. in some cases. We do not deal with maintenance and family matters. Rental matters and money loans. A signed agreement must be present for this type of business.

Send a final notice

If you want to give your customer one last chance to pay the invoice, then you can have a friendly, polite final reminder sent by us. Always on your behalf, using our company stationery. Because in most cases this leads to prompt payment without jeopardizing your customer relationship. Read more about how we send out a final notice.

Do you have automatic links for bulk collections (API link)

Yes we have. For bulk collections, we can automatically load your supplied Excel files or make a link with your own accounting system. With us you can use our collection Web service, Webhooks and Single Sign-On (SSO) login. This makes exchanging data faster and considerably easier. For more information you can contact us at 020-3452675

What is the online collection web portal?

Through our online collection web portal you have 24/7 access to all collection processes that are ongoing or have already been closed. All invoices, related documentation and correspondence (mail, telephone contact, whatsapp messages, etc.) can always be viewed here. So you always know the status of the collection process. Read more about the online collection web portal.

Debt collection agency, how does it work?

How does debt collection agency Credifin work?

With our simple online debt collection system, you have 24/7 access to your debt collection process along with all documentation. After you’ve created an account, you simply upload the overdue invoices (and relevant documents) and we immediately get to work for you.


We approach your customers in a friendly manner with the aim of keeping your customer relationship as good as possible. We continue to do so, even if it becomes very difficult. In more than 90% of our cases we collect the outstanding amount in full (including collection costs). Read more about how it works…

What does debt collection agency Credifin do to collect a claim?

We collect throughout the Netherlands and Belgium and offer your debtors simple online payment options to make it as easy as possible to transfer payment. Via an online web portal, your debtor also has full access to the outstanding invoices and correspondence. For bulk collections we can automatically load Excel files you’ve provided or make a link with your own accounting system. After collection you will receive the outstanding amount the same week. Read more about the online web portal for debtors.

How long does the collection process take with a debt collection agency?

That often varies from 1 week to 4-5 months depending on the extent to which your debtor is willing, or is in a position, to pay. If your customer still hasn’t paid after that period, we propose a payment plan or payment agreement. We keep a close watch on your debtor, because an agreement is an agreement. If the agreement is not fulfilled, we follow it up for you.

We manage to collect payment in more than 90% of our cases. If, for whatever reason, it doesn’t work, then you can give us the go-ahead to proceed with a house visit/credit check to collect payment or to assess the financial situation or, worst case scenario, start legal proceedings for you.

How can I be kept informed of the progress?

Through our online collection portal, you can view the status of your collection process 24/7. All your documentation and communication such as invoices, emails, telephone calls and even WhatsApp messages can be found here.

Can my debtors also log in to the web portal?

Since recently we also have the ability to give your debtors access to the relevant (to them) part of your online debt collection file, so that your debtor can (anonymously) gain insight into their own file. And via this portal, your debtor can also make direct payments to make it as easy as possible for your debtor to transfer payment. Read more about online debt collection web portal for debtors.

What happens if cash is not collected during the amicable phase?

If your debtor isn’t going to pay, we will assess whether or not it makes sense to start a judicial procedure. After your written approval, we will deal with the case from the moment the summons is issued until the time the verdict is announced.

When is a file closed?

Cases are closed on a weekly basis after full payment of the amount has been received by the third-party accountholder, Credifin Nederland. We will first send a confirmation and then immediately transfer the outstanding amount of your original invoice (not including the collection costs, these are the earnings that the debtor has paid to us).

What is the online debt collection web portal?

Through our online collection web portal, you have 24/7 access to all collection processes that are active through us, as well as the cases that have been closed. All invoices, accompanying documentation and correspondence (email, telephone contact, WhatsApp messages etc.) can always be accessed here. This way you always know the status of the collection process. Read more about online debt collection web portal .

Costs of debt collection agency

How much does a debt collection agency charge?

That differs per collection agency. At most debt collection agencies the collection costs are charged to your debtor (No Cure No Pay). There are other costs that you sometimes have to pay, such as subscription and administration costs (that’s not the case with us). If your debtor still doesn’t want to pay following an extensive collection process, you can request that we proceed with a house visit/credit check or, ultimately, initiate a judicial collection procedure. Collection agencies charge in advance for this, but will always try to recover these costs from your debtor after a positive verdict through a bailiff. Read more about how much it costs to call in a debt collection agency

Collection agency Credifin No Cure No Pay

No) Cure No Pay means that your customer (the debtor) pays for the collection process on top of the initial outstanding amount. In the event that we do not manage to collect, you also pay nothing. Not even if, for example, your debtor is declared bankrupt during the collection process. Read more about No cure no pay

Do you ask for subscription or administration costs?

No, you can submit unlimited collection cases and make use of our online web portal free of charge.

About Credifin

Who are you?

Credifin Netherlands was established in 2005. Since then we have helped more than 10,000 customers with the collection of receivables. We are based in Amsterdam. We carry out collection orders throughout the Netherlands. In addition, we work with various bailiffs in offices, which support us in conducting legal proceedings.

What customers think of us

Credifin Netherlands cooperates with the Feedback company, an independent review party that assesses customers of Credifin Netherlands. See how customers experience our collection services. Click here

Money in your account the same week

We first send a statement and then immediately transfer the outstanding amount from your original invoice (so without the collection costs, which are our earnings that the debtor has paid to us).

Judicial collection procedure

Does issuing a summons involve costs?

You pay an advance on the costs for issuing a summons. This advance is used to pay the court fee and the first hearing, so that the legal proceedings can be initiated. Any costs after obtaining the verdict are not included in the advance and will be charged to the debtor to the maximum extent following a positive verdict.

The debtor has received a summons, but has not appeared?

In this case, in the absence of the debtor, the court will normally assign the claim. In most cases this results in a positive verdict for you.


How long must the bailiff wait to issue a summons?

That’s something else. The bailiff will request a date for the hearing. Once a date for the hearing is assigned, the bailiff will hand over the summons to the debtor, so that he has the opportunity to respond in writing or to appear at the hearing. Your debtor can also request postponement if they are unable to appear or if they decide to call in a solicitor.

How long can legal proceedings take?

The duration of this procedure is difficult to estimate. The procedure can, in absence, sometimes take one month, but in the case of a repeated defense/appeal  this can take 4 to 5 months. The duration of the execution  process depends largely on the cooperation and financial position of your debtor. If they have substantial financial assets, the process can be much faster.


If a claim is not immediately collected, the question remains whether it will ever be fully met. We will give you sound legal advice in advance so that you can decide whether it makes sense (financially) to proceed with a judicial collection procedure or not and how long the process might take.

Do you need to be represented by a solicitor at the subdistrict court?

Representation by a solicitor is not mandatory at the subdistrict court. Anything below € 25,000 can be settled without a solicitor and it’s much cheaper through a collection agency and/or bailiff. We also have solicitors who can advise you on whether or not to go ahead with legal proceedings without having to call on the services of a solicitor individually.

Should the customer be present at the hearing?

No, it is up to the debtor to respond to the contents of the summons. Always in writing, if you do not speak Dutch then a verbal explanation is provided.

Who pays for the costs of this process?

Both extrajudicial and potentially judicial collection processes and other activities are for your own account and risk, such as:

  • Preparing summons
  • Service bailiff
  • Court registry fees
  • Hours made for handling the case
  • Legal redress


These costs will be recovered from the debtor to the maximum extent after a positive verdict is announced. We will give you sound legal advice in advance so that you can decide whether it is (financially) viable to move ahead with legal proceedings or not.

Execution after the verdict

Can the bailiff proceed with a possession order after the judge's verdict?

No, after the judge’s verdict the bailiff can not claim the same amount by seizing assets. A big misunderstanding is that the payment is handed over as soon as the judge has announced their verdict. A soon as a judge’s verdict has been announced, the only certainty is that your debtor legally owes you a certain amount of money. You’re only halfway there: The verdict is in, the money is yet to be transferred.


A bailiff is the only person in the Netherlands that can receive the possession order from the courts to seize assets. Just like a solicitor can draw up a will, you have to call in a bailiff in order to make the claim. A bailiff is not only bound by codes of conduct, but also by laws and regulations.

I want to make a claim, but my debtor is (almost) bankrupt?

Prior to this, we can conduct an investigation to assess the debtor’s financial status and what the possibilities are for collecting the outstanding amounts. Based on this you can decide whether or not you want to proceed with your claim through legal proceedings.

What happens after the verdict has been announced?

The bailiff will have to repeat the summons. Following the verdict of the court, your debtor will be given the opportunity to pay the full amount or to make a payment agreement with the bailiff one last time. If your debtor does not voluntarily proceed to payment, the bailiff will take further legal action. This may mean that the bailiff proceeds towards a possession order to seize assets.

Is it always possible to recover something from the debtor?

The bailiff will, after obtaining the verdict, use their legal capacity to collect the money. This can be done by means of seizing (a part of) the salary, a bank account, fixed property, a social benefit or pension. It is possible that the debtor has no money or that there are no further solutions. This may mean that the debt collection fails or can take a long time. It’s also possible that the bailiff is unable to collect anything, for example due to bankruptcy or emigration.

Legal affairs

Which collection costs are passed on to your debtor?

The amount of the costs to your debtor are limited for claims that can be collected since July 1, 2012, fall under the Reimbursement for extrajudicial collection costs Decree. This is to protect debtors against very high collection costs. The amount of these costs can never exceed € 6,775 and is calculated as follows. See the scale below;

PrincipalCollection Fee
First € 2.500,0015% ( with a min. € 40,00)
After the first € 2.500,0010%
After the next € 5.000,005%
After the next € 190.000,001%
Everything above € 200.000,000,5% (max. € 6.775,00)

Minimum collection costs:  There is a minimum amount of € 40 for collection costs. The collection agency may always claim this amount. For example, is your bill € 300? Then the collection agency may ask 15% over € 300 = € 45.

When can you hire a collection agency?

There are no legal deadlines to determine when you can hire a collection agency. There is, however, a legal limitation period of five years for outstanding invoices. So, it is wise to call a collection agency in time, then you also have the best chance to receive payment for the invoice.


Before you can call on a collection agency, you first have to send the customer a notice of default stating that your customer has still not paid despite previous reminders having been sent. You indicate that you expect to receive the payment within x number of days (min. 14 days for consumers), otherwise a collection agency will be called in and the resulting costs will be charged to your customer. Read more about how you can avoid having to hire a debt collection agency.

When is a debt collection agency a legally valid entity?

In principle, anyone can start a debt collection agency. No legal provisions have been drawn up for this. It is therefore important that you research the background, track record and proven expertise of a collection agency, unfortunately there are still unreliable collection agencies out there that make a claim for the collection on your behalf and then leave without notice.

Can a collection agency calculate other costs?

In addition to the collection costs, the collection agency can also let you pay interest. The collection agency can also calculate VAT on the collection costs. This often happens with dentists, orthodontists and other medical specialists. These are themselves not liable for VAT. In that case you have to pay the VAT.

When can interest be charged?

The interest will start from the moment the payment date has passed without any type of notice of default being required. The legal consumer interest rate is 3 to 4% and the statutory interest rate for companies is 8.05%. This interest is always included automatically by Credifin in the amount due.

What's the difference between a debt collection agency and a bailiff?

A collection agency acts as an intermediary to give your customer one last chance to pay the invoice before moving towards a judicial collection procedure in which the final verdict is followed up by the bailiff. A debt collection agency is therefore not allowed to move towards a possession order and only requests your debtor, urgently, to transfer the outstanding amount with the aim of keeping the customer relationship as good as possible for you.

Did you receive a notice?

I received a letter from debt collection agency Credifin, what now?

Always check first whether the invoice is correct and whether the invoice has already been paid or not. Have you not paid it yet or have you accidentally forgotten to pay the invoice? Pay the principal sum including the collection costs as quickly as possible so that the costs do not continue to rise. It’s easy to do via our online payment system.


If you can’t pay the amount in one go, send a registered letter to us or submit a request via our online web portal and ask for a payment agreement that you’ll definitely be able to fulfill. Incidentally, we are not obliged to make a payment agreement. But most of the time we aim to keep the customer relationship as good as possible.

Don't agree with the outstanding invoice?

It may also be that you disagree with the outstanding invoice, for example because you feel that the work has not been delivered properly or if no valid agreement has been made. Send a registered letter stating that the claim is unjustified or upload this letter via our online web portal. Always keep a copy of the letter and the shipping bill.

How does a debt collection agency access my address information?

A collection agency has various resources through which they can gain access to contact details and debtors’ address information.

What is the Credifin online web portal for debtors?

In our online web portal you can view your online debt collection file as a debtor. And you can also make direct payments via this portal. Read more about the online debt collection web portal for debtors. You will find the login details in an email or in a letter that we have sent to you.

What customers say:

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