Eligibility criteria (summary)

To qualify for standard "No Cure, No Pay" collection, a case must meet all of these:

Criterion	Requirement
Minimum amount	$100 USD equivalent (all cases); $3,000 USD for disputed B2C or non-standard B2C; $500 USD for US B2C; $3,000 USD-equivalent for pre-legal B2C cases with no partner match at step 3 - see Minimum claim amount below
Claim type	Unpaid Invoice or Loan Repayment
Dispute status	Not disputed (or unknown)
Legal status	Not in court or legal proceedings
Debtor status	Not bankrupt or insolvent
Time limit	Statute of limitations not expired
Coverage	Debitura has a partner in the debtor's jurisdiction
Industries	Not from a prohibited industry

Minimum claim amount

All claims must have a principal amount of at least $100 USD (or the equivalent in local currency). This minimum applies globally to all jurisdictions.

Higher minimums apply in specific scenarios:

Disputed pre-legal cases (B2C only): $3,000 USD minimum when the debtor is a private individual and the dispute status is "Disputed".
Non-standard claim types (B2C only): $3,000 USD minimum for Breach of Contract, Property Damage, Personal Injury, Defamation, Product-Related, and Other claim types when the debtor is a private individual.
US consumer cases: $500 USD minimum for Unpaid Invoice or Loan Repayment claims against a private individual in the United States.
No partner match at step 3 (pre-legal B2C): $3,000 USD-equivalent minimum for pre-legal cases against a private individual debtor when no collection partner is available for the debtor's jurisdiction at step 3 of the case creation wizard. Claims in other currencies are converted and measured against the USD-equivalent threshold. This gate only triggers when no partner match is found - if a partner match exists, it does not apply regardless of amount. Company (B2B) debtors bypass this gate entirely.

These higher minimums apply to private (B2C) debtors only. Company (B2B) debtors are subject only to the global $100 minimum, even on disputed or non-standard claims.

For non-USD claims, amounts are converted to USD at current exchange rates. If your case is below the required minimum, the form blocks submission and the error message shows the equivalent in your claim currency.

Documentation requirements

The SDCA requires supporting documentation based on the claim size (§04.4):

Claim size (USD equivalent)	Documentation required
Under $2,000	Debtor contact details sufficient - no supporting file needed
$2,000 – $10,000	Either a supporting file (invoice, contract, statement) or a written description of the debt
Over $10,000	Supporting file mandatory
Consumer debtor (any amount)	Both supporting file and written description mandatory
Complex or non-standard claim types	Both supporting file and written description mandatory

The Collection Partner may request additional documentation at any time via the platform.

Accepted claim types

Two claim types qualify for automatic assignment and standard success fees:

Claim type	Standard pricing?
Unpaid Invoice	Yes
Loan Repayment	Yes

Other claim types (Breach of Contract, Property Damage, Personal Injury, Defamation, Product-Related Claims, Other) require a custom quote from the collection partner.

Dispute status

The Standard Debt Collection Agreement (SDCA) covers undisputed monetary claims only. A case qualifies when the dispute status is either "Not Disputed" or "Unknown."

If the debtor disputes the debt, the case cannot proceed under standard terms. See disputed claims for what happens when a debtor contests the debt.

Jurisdictions and coverage

Debitura operates in jurisdictions worldwide where we have collection partners. The debtor's location determines which partner handles the case. For details on available regions and coverage rules, see Countries and jurisdictions.

For pricing purposes, jurisdictions are grouped as either "European" or "International":

European: All EU countries plus Iceland, Liechtenstein, Norway, the UK, and Switzerland. These cases have lower success fee rates.
International: All other countries worldwide.

Prohibited industries

Debitura does not accept cases from the following industries due to regulatory compliance, legal risk, and operational constraints:

Gambling and online gaming - casinos, sports betting, poker, lottery services, and similar activities where participants risk money for potential winnings
Cryptocurrency and digital assets - crypto exchanges, NFT marketplaces, DeFi platforms, mining operations, and token-based businesses
Multi-level marketing (MLM) - network marketing organisations with multi-level compensation structures and recruitment-based commissions
Adult entertainment and content - pornography, adult streaming services, escort services, and age-restricted sexual content platforms

Cases from prohibited industries are automatically screened during validation. If a case is flagged, it is held for Debitura admin review. The screening focuses on the creditor's primary business model, so companies that incidentally serve some prohibited-sector clients are not blocked.

What happens after you submit: automated validation

After you submit a case, Debitura's automated validation engine runs approximately 1 hour after submission. This delay is intentional - it gives you time to notice and correct data entry errors before the system sends a formal notification. If all checks pass, the case advances automatically. If an issue is found that you can fix, you receive a task with a 7-day deadline and an email listing what is needed.

The following 6 types of issues can result in a request sent to you:

Issue	What triggers it
Missing document	No document uploaded when your claim type or amount requires one
Missing claim description	Complex claim type (not an unpaid invoice or loan repayment) submitted with no description
Claim amount below minimum	Amount converts to less than $100 USD equivalent
Debtor address or jurisdiction mismatch	Debtor's address clearly belongs to a different country than the selected jurisdiction
Creditor appears to be an individual	Account looks like a private individual, not a registered business
Debtor matches creditor	Same email address, company name, or phone number as your own account

4 further checks are handled internally by Debitura - you are not notified for these. If your case appears on hold with no action requested from you, Debitura may be reviewing it for a prohibited industry, an amount-document discrepancy, a signature concern, or a duplicate case. A team member will contact you if needed.

When a custom quote is required

You will need a custom quote when:

The claim type is not Unpaid Invoice or Loan Repayment
The debt is disputed by the debtor
The case requires court action or legal escalation
No exclusive partner exists in the debtor's jurisdiction

For custom quote cases, the collection partner reviews the case and offers pricing. You can approve or decline the quote before the case proceeds.

What is excluded

The following are not covered by the standard pre-legal agreement:

Disputed debts: Claims where the debtor contests validity, amount, or payment status
Legal action cases: Cases requiring court proceedings need a separate agreement
Bankrupt or insolvent debtors: Partners cannot collect from insolvent debtors
Time-barred debts: Claims where the statute of limitations has expired
Prohibited industries: Cases from gambling, cryptocurrency, multi-level marketing (MLM), or adult entertainment sectors (see Prohibited industries section above)