How do you recover your debts without a court?

How is it that people do not pay their debts. Taken out to answer the question posed in this way, we answer without thinking: “because they have no money”. Rightly, every fifth debtor doesn’t have money. Others need a reminder … When we receive the payment, each of us calculates.

First, we wonder what bills we need to settle immediately


Which we can postpone. People usually consider telephone, electricity and rent bills as their most important responsibilities. The remaining money is spent on food and refueling the car. Then they think about pleasant things such as shopping, going to the cinema or saving for a holiday trip or children’s education.

Nobody thinks more about paying off outstanding debts. Although the repayment of such an obligation, especially in installments, would not be a burden on the budget, the average person prefers to postpone it. The reason for this is recklessness and a lack of knowledge about the consequences.

It should be in the interest of both the debtor and the creditor to repay the debt as soon as possible. From the point of view of the debtor’s peace of mind and the forced expenses he incurs on debt service, it is worth considering and correctly prioritizing.

Overdue receivables should become an important point in budget planning 

Overdue receivables should become an important point in budget planning 

The first important step in the recovery process is the so-called amicable debt collection. It allows to maintain good relations between the debtor and creditor and is relatively inexpensive. The settlement of the case without the participation of a court and bailiff depends to a large extent on the debtor. If he does not deliberately act to avoid repayment, the creditor will be more willing to settle.

Debt collection, at this stage, should be largely based on monitoring the debtor’s situation and establishing contact with him to explain the reasons for this situation. It aims to enforce the debtor in the shortest possible time, with minimal costs, the largest amount of arrears. The following types of debt collection serve this purpose:

  • by letter (reminders, requests for payment);
  • telephone (SMS with reminder of payment, urgent calls);
  • direct (visit of a field employee working for the creditor).

All these methods are primarily to remind the debtor of the arrears


If the debtor is good, you do not have to go to court. In this situation, the initial recovery phase should be well utilized. During this time, the debtor may, for example, ask the creditor to extend the repayment period, reduce repayment installments, or partially suspend the calculation of interest.

An amicable settlement of debt repayment is possible regardless of whether the claim is claimed by the creditor with whom it arose or by the so-called secondary creditor, i.e. a professional debt collection company.