What it is
Debitura operates as a digital platform connecting businesses owed money (Clients) with licensed debt collection agencies and law firms (Collection Partners) across the globe. The relationship between all parties is governed by the Standard Debt Collection Agreement (SDCA), which you sign before submitting your first case.
Each party has distinct responsibilities:
You (the Client) provide case information, respond to updates, and receive recovered funds.
The Collection Partner performs the actual debt recovery work in the debtor's jurisdiction.
Debitura provides the software infrastructure, matches you with partners, and facilitates communication.
Why it matters
Understanding who does what helps you know where to direct questions, what to expect during the collection process, and what your own obligations are. Clear roles also ensure that your case moves efficiently through the system, with each party focused on their area of expertise.
Your responsibilities as a Client
The SDCA outlines your key obligations:
Provide accurate information: Supply all requested details about yourself, the debtor, and the debt when submitting a case and when asked for updates.
Respond promptly: Check the platform regularly for updates and respond to any questions or data requests within 72 business hours. The platform sends reminders before deadlines.
Report direct payments: If the debtor pays you directly, inform the Collection Partner in writing within three days. You remain responsible for the agreed success fee even when payments bypass the partner.
Notify of disputes: Tell the Collection Partner immediately if the debt becomes disputed. Disputed claims cannot be processed through amicable collection methods.
Respect exclusivity: During the six-month collection period, you must not engage other collection agencies or contact the debtor directly about the claim (except to redirect them to the partner).
The Collection Partner's responsibilities
The Collection Partner is a licensed agency or law firm in the debtor's jurisdiction. Their obligations under the SDCA include:
Compliance: Perform all collection activities in strict compliance with local laws and regulations, using only legitimate and ethical methods.
Active work: Utilize all lawful and appropriate means to contact the debtor and recover your claim, following minimum service level requirements based on claim size.
Client representation: Act in your best interests throughout the debt recovery process.
Communication: Regularly update the claim status on the platform and respond to your inquiries. Open tasks must be resolved within 48 business hours.
Fund handling: After successful recovery, deduct the success fee and applicable charges, then disburse the remaining balance to you within 30 business days.
For details on how partners are selected, see How Debitura assigns a local partner.
Debitura's role
Debitura is not a debt collection agency or law firm. Debitura provides the software infrastructure that connects you with Collection Partners and does not perform regulated collection or legal work. Specifically, Debitura:
Operates the platform: Provides the case management system where you submit cases, track progress, and communicate with partners.
Matches cases to partners: Routes your case to a vetted local partner based on the debtor's jurisdiction and case characteristics.
Facilitates communication: Provides a built-in chat system for direct communication between you and the partner handling your case.
Shares data: Is authorized to share all case data between you and the Collection Partner to facilitate case management.
Sources legal quotes: If your case requires legal action, Debitura can facilitate quotes from its network of local attorneys.
Debitura does not provide legal advice and is not a party to any disputes between you and the Collection Partner.
How money moves between parties
Financial transactions occur directly between you and the Collection Partner. Debitura does not handle recovered funds. The typical flow is:
The debtor pays the Collection Partner (or sometimes pays you directly).
The partner deducts the success fee, interest, late payment fees, and VAT.
The partner disburses the remaining balance to you within 30 business days.
For complete details, see Payments, payouts and invoicing.
What to expect
When you submit a case:
A relationship is automatically created between you and the assigned Collection Partner once the partner commits to working on your case.
You can communicate with the partner through the case chat. Each message creates a task for the recipient with a two-day response deadline.
You will receive regular status updates on the platform and via email notifications.
The partner has a six-month exclusive collection period. If recovery is unsuccessful after this period, you may withdraw the case without fees.
To learn how to communicate with your partner, see How to contact your collection partner.