Read the story

    Munich. A very private club, where the new doorman is Big Terry. House rule number one, engraved on the wall: never pay on time.

    Konstantin von Albrecht chairs Feinkost Albrecht GmbH, fourteen delis in Munich, and pays his suppliers in year two. Ana Ferrer runs a family olive-oil business in Tarragona. She is owed €62,000, and she has read the house rules too.

    Trick one: "We never received it." Counter: signed proof of delivery, and an invoice that carries the customer's PO number.

    Trick two: "Next payment run." Counter: ask for the date, in writing. A dated promise is evidence.

    Trick three: "The oil was cloudy." Counter: a first complaint on day 58, after goods were received in good condition, is a stall, not a dispute.

    Trick four: "We can wait." Counter: know the limitation period (in Germany, three years counted from the end of the year) and act well before it ends.

    Then Ana stopped arguing and filed a European Payment Order: one form, one court in Berlin, for uncontested cross-border claims inside the EU. No hearing. The debtor has 30 days to object. Konstantin was busy. The house rules were amended, and Ana was paid in full on day 74.

    Ana's rules: 1. Paper trail before you ship. 2. Get the payment date in writing. 3. A late complaint is a stall. 4. Watch the limitation clock. 5. Cross-border in the EU? File the EPO.

    A Collecty film. © Collecty, www.cllcty.com. Reproduction without permission is not allowed. All characters are fictional. This film is general information, not legal advice.

    Blog

    International B2B Debt Collection Insights

    Playbooks, checklists, and compliance-first guidance for collecting overdue invoices from overseas clients.

    Stuck with an overseas debtor?

    Fast triage, compliant approach.

    Category:
    Published:
    Region:
    Stage:
    Industry:
    Type:
    Malta Debt Collection Services: Mediterranean Hub Guide
    Guide🇪🇺EuropeProfessional ServicesAmicable

    Malta Debt Collection Services: Mediterranean Hub Guide

    Comprehensive B2B debt collection for Malta iGaming, fintech, and maritime sectors. Common law expertise with English-language services across Valletta, Sliema, and St. Julian's.

    13 min readJan 27, 2026
    Read
    Norway Invoice Collection Services: Nordic Energy Guide
    Guide🇪🇺EuropeTradeAmicable

    Norway Invoice Collection Services: Nordic Energy Guide

    Comprehensive B2B debt collection guide for Norwegian oil & gas, maritime, and seafood industries. NOK currency expertise with English/Norwegian support across Oslo, Bergen, and Stavanger.

    14 min readJan 27, 2026
    Read
    Leeds Commercial Debt Collection: Financial Services Hub
    Guide🇬🇧UKProfessional ServicesAmicable

    Leeds Commercial Debt Collection: Financial Services Hub

    Leeds B2B debt collection for financial services, professional services, manufacturing. England & Wales common law expertise, statutory interest, Northern Powerhouse coverage.

    12 min readJan 27, 2026
    Read
    B2B Debt Collection Netherlands: Rotterdam & Dutch Guide
    Guide🇪🇺EuropeLogisticsAmicable

    B2B Debt Collection Netherlands: Rotterdam & Dutch Guide

    Netherlands B2B debt collection for logistics, manufacturing, tech. Rotterdam port expertise, Dutch business culture, EU cross-border enforcement across Amsterdam, Rotterdam, Utrecht.

    14 min readJan 27, 2026
    Read
    Swiss Business Debt Collection: Banking & Pharma Hub Guide
    Guide🇪🇺EuropeProfessional ServicesAmicable

    Swiss Business Debt Collection: Banking & Pharma Hub Guide

    Your precision-engineering client in Zurich keeps saying "legal department reviewing"—but eight weeks later, your €180,000 invoice remains unpaid. Switzerland has exceptional payment discipline. When a Swiss company delays, something specific is happening. Here's what the Switzerland Precision Protocol™ reveals.

    14 min readJan 27, 2026
    Read
    Commercial Debt Collector Belgium: B2B Services
    Guide🇪🇺EuropeLogisticsAmicable

    Commercial Debt Collector Belgium: B2B Services

    Belgium B2B debt collection for logistics, pharma, manufacturing. Trilingual support (Dutch/French), EU cross-border expertise across Brussels, Antwerp, Ghent.

    15 min readJan 27, 2026
    Read

    Explore debt collection by country

    Get jurisdiction-specific guidance for international B2B debt recovery.