Introduction: New Standard Debt Collection Agreement takes effect on March 25, 2026
We have updated the Standard Debt Collection Agreement to make pricing fairer, improve transparency, and strengthen protections for both you and your Collection Partners. The updated agreement takes effect on March 25, 2026. Below is a summary of the key changes.
Pricing
Lower fees on mid-range international claims. The success fee for international claims between $1,000 and $7,999 has been reduced from 20% to 18%. All other tiers remain unchanged.
Reduced age uplift for older claims. The old cumulative stacking model has been replaced with a simpler single-bracket system. Only the highest applicable bracket applies, and the rates are lower:
Age bracket | Previous rate | New rate |
0–12 months | +0% | +0% |
>12 months | +10% | +8% |
>24 months | +30% (cumulative) | +15% (single bracket) |
Fairer fee calculation. The success fee is now calculated on the amount actually recovered, not on the original claim amount. The percentage tier is still determined by the submitted principal amount.
Blended age uplift for multi-invoice claims. If your case includes invoices with different due dates, the age uplift is now calculated using a weighted formula rather than applying a single bracket to the entire case.
Collection period
Clearer start date. The six-month collection period now begins when the Collection Partner formally accepts your case or when all required information has been provided, whichever comes first.
Extensions work the same way. The collection period is still extended by 12 months when the debtor makes a payment, signs an installment plan, or provides a written promise to pay. Extensions chain from the event date.
Reassignment resets the clock. If your case is reassigned to a new Collection Partner, a new collection period starts. The previous partner’s extensions do not carry over.
Claim eligibility and documentation
The agreement now defines documentation requirements based on claim size:
Claims under $2,000: no supporting documentation required.
Claims $2,000–$10,000: a supporting file or written description.
Claims above $10,000: supporting file mandatory.
Consumer claims (any amount): both a supporting file and written description.
Ongoing disclosure. You must notify the Collection Partner via the platform within 3 business days if a claim becomes disputed, if legal proceedings are commenced, or if any submitted information changes.
Settlements and installment plans
Longer pre-approved installment period. Collection Partners can now arrange installment plans of up to 12 months (previously 6) without needing your approval, provided the debtor acknowledges the debt.
Deemed approval for small settlements. If a Collection Partner proposes a settlement that reduces the outstanding amount by 20% or less and you do not respond within 10 business days, the settlement is automatically approved. Settlements above 20% still require your explicit approval.
Responding to requests matters. If you do not respond to a request within 10 business days and continued collection is impractical, the Collection Partner may close the case. Any fees already earned remain payable.
Complaint framework
New formal process. All disputes now go through a structured complaint process on the platform. Debitura reviews each complaint and classifies the outcome as Minor, Medium, or Severe. Only Severe outcomes have financial consequences.
Stronger protections if your partner underperforms. If a Collection Partner commits a severe breach (such as misappropriation, failure to collect, or unauthorised settlements), you can close affected cases without paying the success fee or withdrawal fee.
Client obligations formalised. The agreement also defines severe breach categories for clients, including submitting fictitious claims, repeated unresponsiveness, and failing to report direct payments from debtors. If upheld, the Collection Partner may charge the full success fee.
Payments and transparency
Itemised remittance statements. Every disbursement now comes with a detailed breakdown showing the recovered amount, exchange rate, success fee, age uplift, additional fees, VAT, bank costs, and net amount remitted to you.
30 business day disbursement period. Collection Partners must remit your share of recovered funds within 30 business days of the recovery event.
Direct payment notification. If a debtor pays you directly, you must notify the Collection Partner via the platform within 3 business days. Failure to do so entitles the partner to charge the full success fee on the total principal amount.
Prohibited industries
Four industry categories are now formally excluded: gambling, cryptocurrency, multi-level marketing, and adult entertainment. If your business does not primarily operate in these categories, no action is required.
Updated Debitura entity
Debitura’s operating entity has changed from YouFirm ApS (Denmark) to Debitura LLC (Delaware, USA). Disputes involving Debitura are now governed by Delaware law.
What you need to do
The updated agreement takes effect on March 25, 2026. Before that date, you will be asked to review and sign the new agreement directly in the Debitura platform.
Sign in to your Debitura account.
You will see a notification asking you to review the updated agreement.
Review the summary of changes and the full agreement text.
Sign the agreement digitally. No documents need to be printed or mailed.
You can review and sign the agreement here: [placeholder — insert client agreement link]
If you sign before March 25, your current agreement remains in place until that date. After March 25, you will be required to sign the new agreement before submitting new cases.
If you have questions about the updated agreement, contact our support team at [email protected].