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

Cases that do not meet these criteria may still be submitted, but fall outside standard pricing - a collection partner may take one at the standard rate anyway, or offer a custom quote instead.

The creditor type test is registration, not company size or legal form. A sole trader or freelancer who invoices under a registered business or sole proprietorship is an eligible creditor. An account that appears to be a private individual is flagged during automated validation and asked to upload a business registration document. A creditor invoicing purely in their own name, with no business registration, cannot proceed.

Standard pricing applies

Each case has one of two debtor types:

Debitura's core is collecting from businesses across borders. For a larger portfolio of consumer claims, contact Debitura: such a portfolio is run as a project, and the local partners agree the terms before any case is uploaded.

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.

Debtors already in an insolvency process. A debtor that is bankrupt, insolvent or dissolved does not meet the standard eligibility criteria, and standard pre-legal collection normally cannot go ahead against it. Recovery from an insolvent debtor is usually limited to the formal insolvency process and any dividend paid from it, which is often uncertain. If a debtor becomes insolvent while a case is already in collection, the collection partner can close the case as Debtor Insolvent/Bankrupt. See how to handle special case scenarios for what happens to the case then.

Several separate minimums exist, they are set in different places, and they are easy to confuse. The base minimum ($100 USD-equivalent by default) and the higher minimums in the table below decide whether a case can be created at all. Automatic case validation checks the configured base minimum again after creation, and the market minimum decides which collection partner, if any, matches a claim.

1. The base minimum: $100 USD-equivalent by default, configurable. Every new case must meet the base minimum that applies to it, however it is created - in the portal, through an integration or through the Customer API. The base minimum defaults to $100 USD (or the equivalent in its currency). An agreed override for the exact client/collection-partner relationship takes precedence, then the effective collection partner's minimum (the managing firm's, where applicable), then the $100 platform default. The first configured value wins, including zero. For example, a matched $75 claim against a debtor outside the US can clear a configured $50 base minimum, while a configured $200 minimum refuses a $150 claim before the case is created. A case below the base minimum that applies is not created, and the case-creation form will not submit it. This applies to the principal claim only and does not include interest, fees, or other charges. The four higher minimums in the table below are separate gates: clearing the base minimum does not bypass them.

2. Automatic case validation: the same configured minimum, checked again after the case is created. Once a case exists, Debitura's validation engine checks the minimum again using the same configuration: a minimum agreed in your client-partner arrangement takes precedence, then the collection partner's own minimum, and the $100 platform default applies when neither is set. A case whose base-minimum check was skipped when it was created can be held here. A case blocked here is routed to internal admin review and you are not notified automatically. If you are unsure which minimum applies to your account, ask in your support conversation before submitting borderline claims.

3. The market minimum: partner matching thresholds set by each collection partner. These decide which partner a case is offered to. They do not change either minimum above, but they decide whether an exclusive partner matches a claim, and so which admission minimum in the table below applies.

The creation minimums, at a glance:

The disputed and non-standard $3,000 thresholds apply to private (B2C) debtors only. Claims against company debtors (B2B) bypass those two gates even when disputed or under a non-standard claim type - the base minimum, the admission minimum and every other eligibility check still apply to them.

The last two rows make up the admission minimum, the platform's own intake floor for a claim. Which one applies depends on the match outcome: $500 USD-equivalent for a US case with an exclusive partner match, $3,000 USD-equivalent for a case with no exclusive partner match in any country, and none for a matched case outside the US, where only the market minimum applies on top of the base minimum. Both apply to company and private debtors alike. Neither is restricted to claims denominated in USD - claims in other currencies are converted at current exchange rates and measured against the USD-equivalent threshold. In the case creation form, a US case below $500 and a case below $3,000 with no exclusive partner match are stopped in place once the debtor's country (and, in the US, the state) is chosen, with the minimum shown in USD and in the claim's currency. The US minimum also applies to cases created through the Customer API and the Referral Partner API. The no-match minimum does not, because those two APIs reject every case without an exclusive partner match, at any amount.

For non-USD claims, the amount is converted to USD at current exchange rates. When a case is blocked at submission, the error message shows the equivalent in the claim currency. If the exchange-rate lookup fails, cases from an accounting integration are not reviewed or started until a conversion is available, and the request can be retried. Other ways of creating a case can skip the amount gates instead of applying them.

Individual collection partners set their own minimum case values for the work they will take on. The lowest claim a partner covering the debtor's jurisdiction takes for that debtor type is the market minimum. These are matching filters, separate from the base minimum and from any agreed or partner override that sets it. A claim below the market minimum finds no exclusive partner match, so the $3,000 USD-equivalent no-match admission minimum applies to it. Raising the amount can create a match and change which minimum applies.

The market minimum can be higher than the platform minimums and differs by country and debtor type, so no single figure is listed here. There is no single US market minimum: it depends on the state and the debtor type, and is checked live. For a specific claim, the case-creation form stops a claim below an applicable minimum and names that minimum before anything is submitted, and Debitura support can give a general estimate for a given country (and US state), debtor type, amount and currency. An estimate is not an acceptance, and other checks can still apply.

Debitura provides debt collection coverage across 180 countries.

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

Jurisdictions are classified into two pricing regions:

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

Documentation requirements depend on the claim value and debtor type:

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

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:

The highest applicable bracket applies; uplifts do not stack cumulatively (single-bracket uplift). Those are the figures in current SDCA versions - a small number of long-standing relationships are on the previous version, which uses +10 and +20 instead, and a signed agreement governs. These surcharges reflect the increased difficulty of collecting older debts. See age-based fee surcharges for details.

The following cases fall outside standard SDCA pricing. A collection partner may still accept them at the standard rate, or submit a custom quote instead:

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