Debt collection

Work through debt files and prepare the next enforcement step

In debt collection, the file has to show how much is owed today, what has already been tried and which step makes sense now. The agent team reads new and legacy files, keeps the claim account and prepares the next step, whether out of court, in the court order-for-payment procedure (Mahnverfahren) or in enforcement. You decide and approve.

Book a demo →How it works
  • BRAO compliant
  • Data stored in Germany
  • Nothing goes out without your approval

Debt files grow over years

Judgments, cost statements, correspondence, payments and information requests pile up, some of it handwritten and several hundred pages long. Whoever takes over such a file needs a long time to piece together the claim, the measures, the payments and the addresses before anything happens. The claim account is often wrong because interest, costs and part payments were recorded in different ways. Measures are tried twice or not at all because the history is hard to see.

From the file to the next step

  1. 01
    Taking in the file

    You upload new claims and scanned legacy files, including very large files or selected page ranges.

    Today
    Leaf through old files page by page
    Result
    File uploaded in full
  2. 02
    Reading the file

    The team separates the documents and reads out the claim, enforceable title, interest rate, past measures, payments and addresses, each value with its source in the file.

    Today
    Retype claim, title and payments
    Result
    Every value in the file, with its source
  3. 03
    Building the claim account

    Principal, costs, interest and payments are allocated under §§ 366, 367 BGB or in your firm's order of repayment, including historical base rates and amounts in Deutsche Mark.

    Today
    Calculate interest by hand with tables
    Result
    Claim account to the cent
  4. 04
    Checking

    If information is missing, the team asks. It flags special cases such as the debtor's death.

    Today
    Notice gaps only at the next step
    Result
    Questions and special cases flagged
  5. 05
    Preparing the step

    The team proposes the next step and prepares it, for example the enforcement order to the bailiff.

    Today
    Fill in the form by hand
    Result
    Enforcement order filled in, ready for approval
  6. 06
    Approving and following up

    After your approval, the team tracks deadlines and follow-ups.

    Today
    Keep follow-ups in the calendar
    Result
    Deadlines and follow-ups tracked

What changes in the firm

The file is already analysed

Claim, measures and payments are captured before anyone opens the file.

A claim account you can follow

Every item links to its supporting document in the file.

The history of measures in order

You see what has already been tried and avoid duplicate orders.

Deadlines in the calendar

Follow-ups and reminders are entered and tracked.

For law firms and collection departments

  • Firms that collect and enforce claims for clients.
  • Firms with large portfolios of claims and legacy files on paper.
  • Owners of debt portfolios with an affiliated law firm that enforces claims with an enforceable title.

What the agent team handles in a debt file

Coordinating agent
  1. 01
    Reading files and separating documents

    Even large and handwritten files are read by text recognition and split into individual documents.

  2. 02
    Reading the title and the claim

    Principal, interest rate and date of the enforceable title are captured.

  3. 03
    Building the history of measures

    Attachments, asset disclosures and address searches in chronological order, kept separate from the cost statements.

  4. 04
    Keeping the claim account

    Principal, costs, interest including daily interest and historical base rates, and payments.

  5. 05
    Matching supporting documents

    Every cost item is linked to the matching evidence.

  6. 06
    Matching payments

    Bank statements are imported and payments assigned to the right file and item. They are booked to the claim account. If you wish, the team prepares the payout to clients by SEPA transfer for your approval.

  7. 07
    Checking the address

    If the last measure was a long time ago, the team suggests confirming the address first.

  8. 08
    Recognising special cases

    Where the debtor has died, is insolvent or has been granted discharge of residual debt, the team proposes the appropriate route.

  9. 09
    Preparing the order-for-payment procedure

    Where there is no title yet, the demand letter and the application for an order for payment are drafted.

  10. 10
    Proposing the next step

    The team proposes the step and fills in the enforcement order.

  11. 11
    Identifying the competent court

    The team identifies the competent enforcement court and bailiff from the debtor's address.

  12. 12
    Deadlines and follow-ups

    Status enquiries to the bailiff and file access at the court are tracked. If a reply comes in earlier, the follow-up is brought forward.

  13. beA13
    Sending via beA

    Applications and orders go out via beA, the German lawyers' electronic mailbox, after your approval.

  14. 14
    Preparing further forms

    For example the application for an attachment and transfer order and the application for an asset disclosure.

  15. 15
    Portfolio reports

    You see which files are still economically active and where the next step is due.

Law and calculation rules the team knows

  • Enforcement law under the ZPO, with attachment, asset disclosure and attachment and transfer orders.

  • Limitation of claims with an enforceable title under § 197 BGB and allocation of payments under §§ 366, 367 BGB or in your firm's own order of repayment.

  • The historical base interest rates under § 247 BGB.

  • Your letterheads, text blocks and standard letters.

Where you decide

  • The situation

    Which measure makes economic sense for which amount owed.

  • The situation

    When the parties change, for example through heirs, guardians or legal successors, or when the competent court changes.

  • The situation

    When the claim account is not clear, for example where the debtor specified a different order of repayment.

  • The situation

    When handwriting or a scan cannot be read.

    What the team does

    The team marks the passage and asks.

Frequently asked questions

Other case types

Employment law →Traffic law & fines →

See a debt file in rightflow.

In 30 minutes we show you on a real debt file how the agent team analyses it and prepares the next step.

Book a demo →