International Debt Collection – Recover debts from abroad

Yes, you can sell an unpaid invoice with a debtor in a foreign country. This process is known as invoice factoring or debt selling, where a company sells its outstanding invoices to a third party, such as a factoring company or a debt collection agency. The buyer takes over the responsibility of collecting the payment, often at a discounted price.

The feasibility and terms of selling an international invoice depend on factors such as the debtor’s location, local regulations, the invoice amount, and the debtor’s creditworthiness. Many debt collection agencies, including Marginalen Inkasso, have global partnerships to facilitate the sale and recovery of international debts efficiently.

If you’re interested in selling an unpaid invoice, contact us for more information on how we can assist you.

Yes, you can get help with debt collection outside Sweden. Marginalen Inkasso offer international debt recovery services through partnerships with local agencies and legal experts in different countries. The process varies depending on local laws, but professional collectors can help negotiate payments, send legal notices, and take necessary legal action to recover debts efficiently.

At Marginalen Inkasso, we have a vast network of global partners to ensure that you, as our client, receive the most effective debt collection process possible.

If you need assistance with cross-border debt collection, feel free to contact us for expert support.

Yes, you can charge interest on overdue invoices, but the rules vary by country. In many jurisdictions, including the EU, businesses have the right to charge statutory late payment interest from the day after the due date. The rate is often based on a legal benchmark, such as the central bank's reference rate plus a fixed percentage.

To charge interest, the terms must be clearly stated in the contract or invoice. If no specific rate is agreed upon, the statutory interest rate applies. Some countries also allow additional late fees.

If you need guidance on applying interest to overdue invoices, feel free to contact us for expert assistance.

Recovering unpaid invoices in Sweden follows a structured process that includes reminders, debt collection, and potential legal action. Here’s an overview of the key steps:

1. Send payment reminders: If an invoice remains unpaid after the due date, the first step is to send a friendly reminder. This can be done via email, letter, or phone call. Swedish businesses often send at least one reminder before escalating the matter but you are not obligated to by law.
2. Late payment fees & interest: According to Swedish law, you can charge a statutory late payment interest (referred to as dröjsmålsränta) from the day after the due date. You may also add a reminder fee (påminnelseavgift) if this was stated in the original agreement.
3. Debt collection (Inkasso): If reminders do not result in payment, you can hand over the case to a debt collection agency (inkassobolag), which will send formal collection notices and attempt to negotiate payment. The debtor may also incur an additional collection fee (inkassoavgift).
4. Applying for a payment order (Betalningsföreläggande): If the invoice remains unpaid, you can escalate the matter to Kronofogden (the Swedish Enforcement Authority). They issue a formal payment order, which the debtor must respond to within a set period. If the debtor does not contest the claim, Kronofogden can proceed with enforcement measures, such as wage deductions or asset seizures.
5. Legal Action: If the debtor disputes the claim, the case may be taken to court for further legal proceedings. A court ruling can then be enforced by Kronofogden if necessary.

Sweden has well-defined procedures for debt recovery, and many businesses prefer to work with professional collection agencies to handle unpaid invoices efficiently.

If you need assistance with recovering unpaid invoices, feel free to contact us, and we’ll guide you through the process.

The process of sending invoice reminders varies across countries due to differences in legal regulations, business practices, and cultural norms. However, most systems follow a similar structure:

1. Initial Reminder: Typically sent shortly after the due date, this reminder is often a friendly notification informing the customer of the overdue payment. In some countries, businesses send reminders before the due date as a courtesy.
2. Final Reminder/Demand Letter: This step often includes a stronger warning about potential legal action. In some countries, such as Sweden, businesses may escalate the case to a debt collection agency (Inkasso) at this stage.
3. Debt Collection & Legal Action: If the invoice remains unpaid, it may be forwarded to a collection agency or legal proceedings may begin. Countries have different enforcement mechanisms—France and Italy, for instance, have strict consumer protection laws, while the US relies heavily on credit reporting agencies to apply pressure

If you need a more detailed description of the process for your specific case, feel free to contact us, and we’ll be happy to assist you.

Collecting a debt internationally involves navigating through the laws and regulations of different countries. Generally, debt collection must follow the laws of the country where the debtor (the one owing money) is located. This means that legal actions and collection processes can vary significantly depending on the country in question.

The regulations governing debt collection processes often vary between different countries. Within the EU, much is governed by common directives, whereas in other locations, entirely different laws and practices apply. With a large network of representatives, we can typically assist our clients regardless of their location worldwide, providing assessments of their cases and, if desired, assistance in pursuing them further.

For Swedish companies:
We offer international debt collection services in the majority of countries.

For non-Swedish companies:
Our services are exclusively focused on facilitating debt collection from Swedish companies or residents.

Please don't hesitate to contact us to discuss your precise requirements and available solutions.

Yes. In our customer portal, you can track all your debt collection cases anytime, all year round. You'll also find useful statistics and reports there. Plus, through the messaging feature, you can reach out to your case handler anytime for questions or discussions regarding your case.

With the rise of international trade, foreign companies often face challenges when it comes to recovering debts from Swedish clients. Understanding the legal landscape, cultural nuances, and navigating different jurisdictions can be daunting. At Inkasso Marginalen, we specialize in assisting foreign enterprises in recovering outstanding debts in Sweden. Our deep understanding of the Swedish market, coupled with our extensive experience and expertise, ensures efficient and successful debt recovery solutions tailored to the unique needs of international clients.