Debt Collections Handbook Croatia 2017

Debt Collection Reports

  • Croatia
  • Agriculture,
  • Automotive/Transport,

10th July 2017

Having drawn from the expertise of the Atradius Collections' local offices, the International Debt Collections Handbook explains the different stages, regulations and procedures for Croatia.

Amicable phase



Handbook Report Page - Amicable Phase


As professionals in collection, we are in a position to provide first-class service and individual treatment and analysis of each case in order to successfully recover overdue debts. Our activity is based on checking debtors and taking appropriate action with regard to their existing financial situation and ability to pay. Our debt collection activities consist of:

  • Checking debtor’s circumstances
  • Delivering written reminders
  • Making telephone calls
  • Undertaking personal visits

It is widely known that, with regard to late payments, the efficiency of debt collection depends upon timely and appropriate action. The longer the creditor waits before deciding to act, the lower the possibility that debt will be recovered.


The business culture is not to pay the interest fee, so it is difficult to obtain payment using amicable processes. If, however, the debtor has agreed to pay the interest by prior agreement or negotiation, the client has to issue an invoice for the amount of interest, based on the appropriate interest calculation.


The potential to request payment of debt collection costs varies from case to case. We, as an agency, always quote the debt collection costs in the first reminder, but usually we collect only the claim amount. There are some cases when the costs are collected, but the number of such cases is very low. When a client insists on payment of such costs, we are asked by the debtor to provide the invoice regarding that issued by the creditor. Based on that invoice, payment should be received.

The Debt Collections Handbook presents a snapshot of Croatia's local economic situation and covers the following topics:

  • Legal procedures
  • Motion of execution for lawsuits
  • Insolvency Procedures
  • Timeframe and outcome

To read more about steps and procedures undertaken in the field of debt collection:

Download Debt Collections Handbook Croatia now!



The statements made herein are provided solely for general informational purposes and should not be relied upon for any purpose. Please refer to the actual policy or the relevant product or services agreement for the governing terms. Nothing herein should be construed to create any right, obligation, advice or responsibility on the part of Atradius, including any obligation to conduct due diligence of buyers or on your behalf. If Atradius does conduct due diligence on any buyer it is for its own underwriting purposes and not for the benefit of the insured or any other person. Additionally, in no event shall Atradius and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the statements made information herein.