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 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
- 2Within 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
-
When does a claim become time-barred?
An ordinary civil claim becomes time-barred after three years; a claim between businesses arising from a commercial relationship after four. Time runs from when the right could first be exercised, generally when due. Limitation does not extinguish the claim, but if the debtor raises it in court, the court will not award the time-barred right. For consumer agreements, however, Section 54a precludes enforcement of a time-barred right even without such a defence. Debt acknowledgement and timely pursuit in court affect limitation differently under the applicable regime.
Read the answer -
How should I recover an unpaid invoice?
Invoice recovery follows an established sequence: check the debtor and limitation period, send a pre-action payment demand specifying principal and interest, apply for a payment order through ordinary or electronic payment order proceedings if unsuccessful, and begin enforcement once an enforceable title is obtained. Most cases are resolved by a lawyer's demand; court and enforcement are later stages.
Read the answer -
What default interest can I claim on an unpaid invoice?
If the debtor fails to pay on time, you are entitled to default interest in addition to principal. In civil relationships, the statutory rate is five percentage points above the European Central Bank's base interest rate. In commercial relationships between businesses, it is the ECB rate plus eight percentage points (or a fixed nine-point uplift), together with a flat EUR 40 recovery cost payment. A rate higher than the statutory rate may be agreed in the contract.
Read the answer
Further reading
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 →
When a director pays the company’s debts: three routes for creditors
A claim against an empty s.r.o. may still be recoverable. Slovak law allows creditors to claim damages directly for a late bankruptcy petition and to pursue the company’s claim against its managing director. Czech law provides statutory liability for company debts and late insolvency petitions.
Read more →
Damages under the new rules: what can and cannot be agreed
The new Civil Code addresses long-disputed questions about damages: advance waivers, disguised late-payment interest and non-pecuniary claims for breach of contract. Liability limitation clauses will have clear rules.
Read more →