Commercial debt collection: handling unpaid debts

Get your outstanding invoices paid fast with commercial debt collection backed

Outstanding invoices paid fast in Romania or abroad

Non-payment and late payment can have a huge impact on your cash flow and performance. One in four bankruptcies are due to unpaid debt, and a single major debtor can weigh heavily on your business transactions… and even threaten your company’s survival.

  • Worldwide

    Recover your trade receivables wherever your debtors are based, even if they are outside Romania. With Coface international debt collection, you have a single point of contact regardless of the country where the debtor is based. We rein in your losses, cut disruption to a minimum and reach out to local legal teams for you.

  • Collect your debts fast

    As a leader in credit insurance, Coface’s debt collection services vastly improves the chances of recovering your money. We save you time, leaving you free to focus on growing your business.

  • Only pay for the amounts recovered

    Cut down your costs! With Coface’s business debt collection solution, you only pay a commission on the money recovered.

  • Protect your brand image

    Call in Coface’s experts so you can maintain good business relations with your client: carry on expanding your business while we act on your behalf.

Find out how Coface can recover your unpaid invoices

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What does failure really cost you?



The extra turnover needed to make up for loss

The simulation above shows the additional turnover that your company must achieve to compensate for the loss due to a non-payment.

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International debt collection

Coface collects your outstanding invoices in 190 countries using a one-of-a-kind international network.

Debt collection experts in Romania act as a link between you and the local manager handling your request.

These contacts have extensive knowledge of the local language, legislation, market and practices.


Patricia J. , Global Sales Director in Pharmaceutical industry

How do I demand that my key client settles their invoices without putting too much strain on our business relationship that keeps my company afloat? Coface knows how to do just that, leaving me free to discuss new projects with the client.

Johan H., small business owner in Retail sector

My client in Vietnam still hadn’t settled his invoice after 8 months even though they’d received the goods without a problem. But - thanks to Coface - I was indemnified in 2 weeks.

Hassan B., CFO in textile sector

A number of clients weren’t honouring big invoices that were pending payment. It was taking up too much time and too much tracking with very little return. Thanks to Coface, I’ve now got more peace of mind, it’s more efficient and I’ve got better liquidity.

Commercial debt collection: what is it?

Late payments or non-collection of receivables can have far-reaching consequences on your cash flow. Unpaid debts are the reason behind 25% of bankruptcies. A single major debtor can vastly restrict your ability to do business or even jeopardise your company’s future.

How do I get my customer to pay?

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Has your client still not settled their debt regardless of your reminders? The next step is to send a registered letter with acknowledgment of receipt giving them formal notice to pay.

Then, if - regardless of your out-of-court actions - your client still doesn’t honour their debt, you can launch a legal debt collection process and embark on various legal procedures: these range from a court order to pay or a summons for payment to

How do I get my customer to pay?


a summary procedure. But you should remember that this approach can be expensive and time-consuming, and the outcome may be uncertain.

When you authorise Coface to collect your unpaid debts, we guarantee to:

  • Recover your money quickly
  • Save you time so you can grow your business
  • Request our commission only if we are successful

Frequently Asked Questions