Standard eligibility criteria

Cases that meet the following criteria qualify for standard pre-legal collection under the Standard Debt Collection Agreement (SDCA):

Criterion	Requirement
Minimum principal amount	$100 USD (or equivalent in local currency)
Claim type	Unpaid Invoice or Loan Repayment
Dispute status	Undisputed (debtor has not formally contested the debt)
Debtor type	Company (B2B) or Private individual (B2C)
Geographic coverage	Debtor located in one of Debitura's 183 covered jurisdictions

Cases that do not meet these criteria may still be submitted but require custom quotes from collection partners rather than standard pricing.

Claim types

Standard pricing applies

Unpaid Invoice: Commercial invoices for goods or services delivered but not paid.
Loan Repayment: Outstanding loan amounts where the borrower has defaulted.

Custom pricing required

Disputed claims: When the debtor formally contests the validity or amount of the debt. See disputed claims.
Other claim types: Any debt type not classified as Unpaid Invoice or Loan Repayment requires a custom quote from a collection partner.

Debtor types

Debitura handles both business-to-business (B2B) and business-to-consumer (B2C) debt collection:

Company debtors (B2B): Businesses or corporate entities that owe money to the client.
Private individual debtors (B2C): Individuals who owe money to the client.

Some collection partners specialize in either B2B or B2C collection. Debitura's partner matching system automatically routes cases to partners based on debtor type and other criteria.

Minimum amounts

The global minimum principal amount is $100 USD (or equivalent). This applies to the principal claim only and does not include interest, fees, or other charges.

Individual collection partners may set higher minimum thresholds for their jurisdictions. When no partner accepts a case due to amount thresholds, Debitura tracks this as a coverage gap.

Geographic coverage

Debitura provides debt collection coverage across 183 countries.

Coverage depends on having an active collection partner licensed to operate in each jurisdiction.

Jurisdictions are classified into two pricing regions:

Europe: All EU member countries plus Iceland, Liechtenstein, Norway, United Kingdom, and Switzerland.
International: All other jurisdictions outside Europe.

European cases qualify for lower success fees than International cases. See countries and jurisdictions for the complete coverage list.

Documentation requirements

Documentation requirements depend on the claim value and debtor type:

Claim Value	Documentation Required
Under $2,000 USD	No documentation required (case summary auto-generated)
$2,000 - $10,000 USD	Either a supporting file OR a written description
Over $10,000 USD	Supporting file mandatory
B2C cases (Private debtors)	Description AND file upload mandatory (regardless of amount)

See documents and evidence checklist for detailed requirements by claim type.

Age of debt

Debitura accepts debts of any age as long as they are within the statute of limitation. However, older debts incur fee surcharges under the SDCA:

0-12 months overdue: Standard success fee rates apply.
12-24 months overdue: +10 percentage points added to the success fee.
Over 24 months overdue: +20 percentage points added to the success fee.

These surcharges reflect the increased difficulty of collecting older debts. See age-based fee surcharges for details.

Cases that require custom quotes

The following cases do not qualify for standard SDCA pricing and require collection partners to submit custom quotes:

Disputed claims (debtor contests the debt)
Claim types other than Unpaid Invoice or Loan Repayment
Cases requiring legal action from the outset
Complex multi-party claims

Custom quotes allow collection partners to propose pricing appropriate to the specific circumstances. The client reviews and accepts quotes before collection begins.

Impact by actor

Client

Must ensure claims meet minimum amount ($100 USD) and documentation requirements.
Receives standard no-cure-no-pay pricing for eligible cases.
May submit non-standard cases but must accept custom quotes from partners.

Collection Partner

Receives automatic case assignment for standard eligible cases in covered jurisdictions.
May decline cases that do not meet partner-specific thresholds (e.g., minimum amounts, debtor types).
Must provide custom quotes for non-standard cases.

Debtor

Debtor type (Company or Private) affects which collection partner is assigned.
Debtor location determines the jurisdiction and applicable collection regulations.