If the credit is incorporated into a credit instrument (bill of exchange, bank check or other documents), upon expiry, it automatically becomes enforceable and it is possible to proceed immediately to a recovery action by means of payment order.

Another procedure is that of an appeal for injunction.

This is a payment order given to the debtor by the judge by decree.

This provision can also be issued (or become) enforceable and guarantees the creditor the possibility of being able to act immediately and forcibly without taking ordinary judicial action.

The injunction can only be requested if certain conditions are met.

There is the possibility of recourse to an ordinary procedure (with, at the outcome, a sentence).

Having ascertained the existence and consistency of the credit, the Judge sentences the debtor to fulfillment.

In addition to these means, there are specific guarantees, which can be inserted when signing a contract, with the aim of increasing the probability that the credit will be honored.

Every legal action is preceded by the debtor's formal notice, which is expressed in an invitation to pay by the creditor in writing, from which the law causes certain effects.

Not always, taking legal action is the best solution.

In fact, legal action can be very expensive both in terms of time and in terms of results achieved.

In these cases it is convenient to find an amicable or out-of-court solution with the customer / debtor.

Yes, just follow these steps:

1. Go to "App Settings"

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3. Create or select the question you want to add a media file to

4. To edit your answer, click on the video, image or GIF icon

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Out-of-court credit recovery commonly refers to all those activities aimed at bringing the debtor to pay off his debt through an agreed or amicable solution.

Generally tools such as letter or telephone reminders and / or written and verbal actions are used.

On the contrary, by judicial recovery we mean those legal activities carried out, in fact, by professional lawyers through the process of current regulations and submitted to the judgment of the competent court.

Normally, we aim for a handling time of 45 days.

After this period, the options we propose are two:

• sending the customer a reminder with a more incisive formal profile;

• proceed legally, after all the necessary assessments.

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After signing the contract and defining the formal assignment, it is sufficient to receive a file containing the personal data and / or company name of the debtor in the event that the customer / debtor were a company, the seniority of the credit and, finally, the amount to be recovered.

Our staff will be at your disposal to provide you with the necessary updates on a daily basis.

If the debtor / customer is available to make a payment, he will pay the agreed amount to your bank details.

In the event that the outcome of the case is negative, at the end of the management period of the extrajudicial phase, a declaration is issued certifying the impossibility of the amicable recovery claimed and in the face of this activity, the possibility of taking legal action or putting the credit at a loss is evaluated.

In any case, we carefully evaluate with our customers the best strategy to use.

Absolutely not!

Each service will be finalized at the end of the month and, as mentioned, at the end of the month you will receive a summary of all the positions dealt with together with the necessary information together with the invoice relating to the skills agreed and accrued during that month.

This way you won't have to worry about anything: every operation will be transparent and fast < / u> .

Any credit recovery actions in court will be initiated only with the consent of the creditor.

Before starting the procedure, the company, together with the creditor and the lawyers, propose the various scenarios to the customer who, after having received an adequate cost estimate for judicial action he chooses what to do.

The costs for initiating judicial proceedings remain in any case the responsibility of the creditor, such costs as required by the relevant regulations will be charged to the insolvent debtor.

Absolutely not!

The important thing is to make the credit process fluid, avoiding overlaps in the interventions or phases.

We do not recommend going this route as it is counterproductive.

The intervention, by the debt collection company, must be requested long before the transfer of the file to the Law Firm (for example, just before the payment date of an invoice expires).

Absolutely NOT!

For foreign countries, the out-of-court credit recovery procedure is not the same as that adopted in Italy; in fact, the procedures and civil / criminal law of foreign countries is different from ours.

The debtor is asked for expenses and interest calculated on the basis of Legislative Decree no. 231 of 9 October 2002, "late payment in commercial transactions" and based on the half-yearly percentages issued by the government agency ISTAT (Higher Institute of Statistics).

It will be up to the customer to tell our company whether he wants to apply them or not.

Anyone who carries out this activity must be in possession of the appropriate authorization title.

The company has adopted the provisions of the Italian Data Protection Authority.

Not only that, but we have adopted a precise code of conduct defined in the trade association.

These principles and the related operating procedures are shared with each customer at the time of the assignment.

All procedures are based on the utmost protection of both data and individuals.