Upon receipt of the file, the judicial officer will first carry out a creditworthiness check. If it turns out that there is a good chance that your customer will not be able to pay, he will contact you. If, as in most cases, there is no problem, the bailiff will go to your customer's home within five working days to deliver a payment reminder. This is followed by a statutory period of one month and eight days within which your debtor has the opportunity to pay.
In 89% of cases, a payment is made within 38 days. The bailiff will then refund the principal amount plus the recovered costs to you.
However, if no payment is made during that period, the bailiff can continue the collection and proceed to an attachment and sale of your debtor's goods. As soon as the procedure reaches that stage, there is a risk of additional costs. After all, the advance paid covers all costs until the title has been obtained. These additional costs are always recovered from the debtor. Only if the debtor goes into bankruptcy or WCO is there a chance that we will have to recover these costs from you. We permanently monitor the debtor's solvency. If we think that the chance of these additional costs is real, we will always contact you. At that moment, you can stop the procedure without additional costs. Our starting point is that you will never risk additional costs without us explicitly informing you of this. Since we carry out an extensive solvency check at the start of each procedure, this situation is, fortunately, rare.