Core Concepts
Canonical explanations of Debitura’s core business model, terminology, and rules that apply across all user segments.
42 articles
Introduction & Terminology
Definitions of core Debitura terms and concepts used consistently across the platform and documentation.
- Countries & jurisdictions: coverage, local rules, and missing partner coverageDebitura models geography at two levels: Country and Jurisdiction. A jurisdiction determines which collection partner handles a case and what local rules apply.
- Glossary (Debitura terms)This glossary defines the key terminology used across the Debitura platform. Each term includes a short definition and links to deeper explanations where available.
- Contacting Debitura: support channels, response times, and when to schedule a callDebitura offers multiple support channels for Clients, Collection Partners, and Referral Partners. Most case-related communication happens directly between Clients and their assigned Collection Partner through the in-platform case chat.
- Debitura services overview: what we offer and who we helpDebitura is a tech-driven platform for debt recovery in 183 countries that connects business creditors with licensed local debt collection agencies and law firms.
- How Debitura works: the complete debt collection journey from start to finishDebitura connects businesses owed money (Clients) with vetted local collection agencies and law firms (Collection Partners) across 183 countries to recover overdue debts.
- Prohibited industries: businesses Debitura cannot acceptDebitura does not accept cases from four industry categories: gambling, cryptocurrency, multi-level marketing (MLM), and adult entertainment. Cases from these industries are automatically screened during validation.
- Tasks in Debitura: how action items are created and managedTasks are the action items that move debt collection cases forward in Debitura. The platform creates tasks automatically when events occur (such as a new case being submitted or a…
- Debtors in Debitura: how debtor records are created and managedA debtor is the company or individual that owes money to a client. This page explains how debtor records are structured, when they can be edited, and how they relate…
- Demo accounts: how trial access works in DebituraDemo accounts let prospective clients and internal testers explore Debitura with sample data, without affecting real cases or reporting. All demo activity is sandboxed and fully isolated from production.
- Communication center: how in-platform messaging worksDebitura includes a built-in chat system that connects creditors and collection partners directly on each case. Every message, file, and system note lives in a single thread tied to the…
- Collection engagement tracking: how partner activity is monitoredDebitura monitors collection partner activity through engagement period scoping, activity logging, and automated performance scoring.
- Client-partner relationships: when and how exclusive partnerships formEvery time a collection partner commits to working on a client's case, Debitura automatically creates a client-partner relationship. This article explains what these relationships are, how they form, and how…
Case model & lifecycle
Canonical explanations of Debitura’s case model, including what a case is, how it moves through its lifecycle, and how stages and states relate.
- Case stages: pre-legal (amicable) vs. legal (escalation)Debitura handles debt collection in two distinct stages: pre-legal (amicable) collection on standard terms, and legal escalation, which requires custom quotes and separate agreements.
- Pre-legal Case Definition and CriteriaA pre-legal case is an undisputed monetary debt that Debitura handles through out-of-court collection under the Standard Debt Collection Agreement (SDCA).
- Case eligibility: what types of debt Debitura accepts and minimum requirementsThis reference page defines which debts qualify for Debitura's standard debt collection service, including claim types, minimum amounts, debtor requirements, and documentation thresholds.
- Collection period & exclusivity: what it means and when you can withdraw a caseA collection period is a time-bound engagement during which a collection partner has exclusive rights to work on a case under standard terms.
- Cases in Debitura: what they are and how they move through the lifecycleA case in Debitura represents a debt being collected. This article explains what makes up a case, who is involved, and how cases move through the collection lifecycle from creation…
- Case close codes: what each outcome code means and when to use itWhen a collection case reaches the end of its lifecycle, it must be closed with a specific close code that indicates the outcome.
- Case Lifecycle (Deep Dive): States, Transitions, and TriggersEvery case in Debitura follows a defined lifecycle from creation to closure. This article explains each lifecycle state, what triggers transitions between states, and how the three main flows.
- Disputed claims: what happens when a debtor disputes the debtA dispute occurs when a debtor contests the validity, amount, or payment status of a debt. Disputed claims cannot be processed through standard pre-legal collection and require separate arrangements, typically…
- Invoice flows: standard, custom quote, and network distribution paths explainedEvery case submitted to Debitura follows one of three distinct paths from creation to active collection, depending on whether an exclusive collection partner is available and how that partner responds.
- How Debitura assigns a collection partner to a caseWhen a case is created on the Debitura platform, the system automatically determines which collection partner should handle it.
- Case currency conversion: the two-currency modelHow case currency conversion works on the platform: the partner pursues in their working currency, the client retains the original currency, and the SDCA governs both sides.
Pricing & fees
Global explanations of Debitura’s pricing model, success fees, and how costs are calculated across the platform.
- Pricing source: understanding which fee applies to a caseEvery case in Debitura displays a pricing source label that identifies which pricing rule determined the success fee. This article explains what each label means, where to find it, and…
- Success fees: how pricing is calculated (claim size, region, age)Debitura operates on a "no cure, no pay" model, meaning the Client pays a success fee only when money is recovered. The fee percentage is determined by three factors: the…
- Additional fees and charges: interest, late fees, VAT, bank fees, and partner-added feesBeyond the success fee, several additional fees may appear on a debt collection case. This reference explains each fee type, who is responsible for payment, and where the governing rules…
- Discounts & settlements: approvals and fee calculationThis page explains when a Collection Partner may offer a discount to a debtor, when written Client approval is required, and how the success fee is calculated when a discount…
- Custom Quotes: When Standard Terms Do Not ApplyA custom quote is a collection partner's proposal for handling a case that falls outside the Standard Debt Collection Agreement (SDCA) . Custom quotes allow collection partners and clients to…
- Age-based fee surcharges: how debt age affects pricingOlder debts are harder to collect. To reflect the additional effort required, Debitura applies age-based surcharges to the standard success fee when a debt is more than 12 or 24…
- Custom case terms: when and why standard terms don’t applyCustom case terms is an informational text field where Debitura records special conditions agreed with a client. The text is displayed to collection partners so they understand any arrangements that…
Legal & contractual fundamentals
Reference material for the legal and contractual foundations that govern how Debitura operates across all segments.
- Standard Debt Collection Agreement (SDCA): Key TermsThe Standard Debt Collection Agreement (SDCA) is the master contract that governs all pre-legal debt collection on the Debitura platform. It defines the relationship between the Client (creditor), the Collection…
- Data protection and DPA fundamentals (GDPR roles and responsibilities )A Data Processing Agreement (DPA) is a legally binding contract that governs how personal data is processed when one party handles data on behalf of another.
- Contracts & signatures: SDCA, PoA, and the legal framework (overview)Debitura requires specific contracts to be signed before debt collection can begin. This page explains the legal framework that governs the relationship between Clients, Collection Partners, and Debitura.
- Power of Attorney (PoA): what it is, what it authorizes, and when it's signedA Power of Attorney (PoA) is an authorization that grants a specific collection partner the legal mandate to collect debts on behalf of a client. The PoA is signed once…
- Complaint management: how complaints are handled in DebituraDebitura provides a structured complaint system that allows clients to raise and resolve concerns about collection partner conduct. Complaints follow a defined lifecycle from submission through resolution.
- Enforceable titles (foundations)A foundation is an enforceable legal title attached to a case.
Flow of funds: Payments & payouts
Explanations of how payments, settlements, and payouts work in Debitura, independent of user role or portal.
- Invoicing after recovery: disbursement timing, direct payments, and late feesThis reference defines the financial obligations that apply after a successful debt recovery and the flow of funds and invoices related
- VAT & taxes: what to expect on success-fee and referral-fee invoicesDebitura's pricing model involves two separate invoice streams.VAT or sales tax treatment on each invoice depends on the jurisdiction and tax status of the parties involved.
- Installment plans: how payment agreements and pro-rata payouts workInstallment plans allow a debtor to settle a debt over multiple payments rather than paying the full amount at once.
- Payments, payouts and invoicing: how money moves between debtor, client, and collectorThis article explains the end-to-end flow of funds when a debt is recovered through Debitura: how the debtor pays, how the Collection Partner deducts fees, how the Client receives disbursement,…
Debt Collection Knowledge
General knowledge and introduction to debt collection
- Collection success rates: what factors influence recovery and what to expectCollection success rates (also called recovery rates) describe how much of the principal debt placed with a collection partner is eventually recovered. Results vary widely based on debt characteristics, debtor…
- Collection methods: letters, calls, visits, and digital outreach explainedCollection Partners in Debitura's network use a variety of methods to contact debtors and recover outstanding payments. The exact mix channels varies by jurisdiction, local regulations, and each case's characteristics.