Debt recovery · Czechia and Slovakia
Bulk debt recovery
If several customers owe you money at once, individual recovery is no longer enough. We take over the entire portfolio, classify it by recoverability and establish one process, from reminders through payment orders to enforcement. You receive regular reports and money in your account; we handle debtors in Czechia and Slovakia through one firm.
- Lawyer registered with both Czech and Slovak Bars
- Send your debtors in a CSV file; we handle the rest
- Fees agreed in advance
What we'll do for you
We first classify the portfolio. Recovering everything in the same way is expensive. Strong claims take the fast route, disputed claims are assessed separately, and we do not charge you for unnecessary work on irrecoverable claims.
Select an item to see the details.
-
Bulk handover and processing
You supply debtor details in a structured format, such as CSV, a spreadsheet or an export from your invoicing system, together with supporting documents in the same agreed format each time. We process the batch together: you do not need to explain each case individually, justify amounts or add documents one by one. We agree the format once at the outset based on what your system can export.
-
Initial portfolio analysis
We assess the legal basis, limitation and debtor creditworthiness for each claim and divide the portfolio into recovery categories.
-
Pre-action stage
Bulk lawyer's demands and negotiations on instalment plans and debt acknowledgements: a significant part of the portfolio is resolved without court proceedings.
-
Court stage
We file payment order applications and claims in batches in Slovakia and Czechia, using consistent documentation and deadline monitoring.
-
Enforcement and bankruptcy
We pass final enforceable titles to enforcement officers and monitor recovery; if the debtor becomes insolvent, we lodge the claim in bankruptcy or restructuring proceedings.
-
Reporting
At agreed intervals, you receive an overview of each claim's status, amounts recovered, next steps and recommendations to write off irrecoverable claims.
Deliverablea managed portfolio with a consistent recovery process and regular reports on every claim
How it works
Does this process fit your matter? Describe it to the attorney →
- Portfolio analysisday 0
From the list supplied, we prepare a classification and recovery plan, including estimated recoverability and prices for each stage.
- Establishing the process
We agree rules on when to send a demand, when to go to court and when to stop, and how new claims enter the process.
- Recovery
The process runs: demands, courts and enforcement. You see progress in reports and money in your account.
- Evaluation
We regularly reassess the portfolio and recommend what to pursue, assign or write off.
No-obligation enquiry
Ready to start?
Send us an enquiry. We usually reply within 24 hours with a price confirmation and next steps. The first 30-minute consultation is free and commits you to nothing.
- 1Send your enquiry via this form
- 2Usually within 24 h you get a price confirmation and plan
- 3We start work only after your approval
Not keen on calls or email? Message us on WhatsApp →
Prefer to book a time right away? Book a consultation →
Or email us about this matter.
What clients ask
Didn’t find your question? Ask us directly →
How many claims make bulk handling worthwhile?
There is no fixed number; it is about recurrence. If similar claims arise regularly, or you have more at once than your internal reminder process can handle, a consistent process is generally worthwhile. We assess this against your figures at the initial consultation.
How are claims handed over?
As simply as possible for you. We agree a format once at the outset: CSV, a spreadsheet or a direct export from your invoicing or accounting system. You then always send the debtor list in the same way, without explanatory notes. We also agree which supporting documents to attach to each claim (invoice, contract, delivery note) and their naming convention. We process the batch together and then communicate only about matters that really need your decision. The aim is for recovery to take a few minutes of your time each month, rather than hours.
What about claims close to the limitation deadline?
We flag them during the initial analysis and give them priority: filing in court stops limitation from running. That is why it is worth handing over the portfolio before individual claims start to expire.
We have debtors in Czechia and Slovakia. Is that a problem?
No. That is precisely our area. Slovak and Czech claims run in one process and one report. Each is recovered under its own country's law, while you communicate with one firm.
What does bulk recovery cost?
We tailor the model to the portfolio, from a fee per step to a combination with a fee based on the amount recovered. We agree the terms in advance and honour them; if successful, the debtor also generally pays the costs of legal representation.
Legal Q&A
Common questions on this topic
-
The debtor has sent only part of the debt. What will its payment be allocated to?
What matters first is whether the debtor specified what the payment was for. If not, then between businesses the Commercial Code allocates the payment first to interest and only then to the principal, whereas the Civil Code does the opposite and starts with the principal. With several invoices, under the Commercial Code the payment goes first to the one that is least secured and only then to the one that fell due first; where the contract is governed by Czech law, priority goes to the invoice for which you have already sent the debtor a reminder. It is therefore worth agreeing the order in writing in the instalment schedule.
Read the answer -
When may we claim an irrecoverable debt as a tax expense?
A receivable included in taxable income may be written off as a tax expense only in the cases listed in the Income Tax Act, for example after bankruptcy has been cancelled for want of assets or enforcement stopped because the debtor has no assets. Until then the creditor may create a tax-deductible value adjustment according to how long the receivable has been overdue. Where the debtor is in bankruptcy, the value adjustment is conditional on a claim lodged within the time limit. Always discuss the accounting treatment with your accountant or tax adviser; the role of recovery is to ensure the supporting documents exist.
Read the answer -
We have bought a portfolio of receivables. How do we take over the court and enforcement proceedings already under way?
An assignment agreement makes you the creditor, but it does not automatically bring you into court or enforcement proceedings already under way. In court proceedings the original claimant must apply for you to enter in its place and the transfer must be proved; in enforcement, the change is notified to the enforcement officer and the court issues a supplement to the authorisation. During enforcement, an assignment is effective only if the entire claim being enforced is assigned. Debtors must be notified of the assignment, otherwise they may discharge the debt by paying the original creditor.
Read the answer
Further reading
When to end out-of-court recovery: five signals that it is time to go to court
Reminders and negotiations about instalments are often the quickest route to the money, but not indefinitely. Five situations in which further reminders harm the creditor, and how to set escalation rules where there are dozens of debtors at once.
Read more →
Debt recovery audit: eight questions showing how much money your business leaves uncollected
Invoices becoming time-barred this year, unclaimed interest and fixed compensation, reminders without legal effect and insolvencies discovered too late. Eight questions reveal where recovery loses money, with links to detailed guidance.
Read more →
A Czech company with a Slovak debtor: four rules that work differently in Slovakia
A Czech company recovering an invoice in Slovakia naturally proceeds on Czech habits. Slovak law, however, ties costs to a pre-action demand differently, regulates the debtor's defence against a payment order differently, allocates the enforcement officer differently and calculates accessories differently. An overview for creditors from Czechia before the first step.
Read more →