What is amicable collection?

Amicable collection is the collection process after your own internal trajectory and before the intervention of a judge. All collection activities prior to court intervention fall under amicable collection. In 95% of cases, a debtor pays during the amicable phase. This way, you avoid extra high costs for your debtor.

When are you allowed to start an amicable collection trajectory?

When you are allowed to start an amicable collection trajectory depends on your debtor. For example, according to Dutch law, you are obligated to consumers to first send a WIK-letter. In this letter, the debtor is given one last chance to pay without extra (collection) costs. If the debtor has still not paid after sending this WIK-letter, the amicable collection trajectory may be started.

With a business debtor, it is not mandatory to send a WIK-letter. Sometimes a company's General Terms and Conditions specify how to deal with debtors. It is therefore important to be familiar with these. Unfortunately, many entrepreneurs act in contradiction to their own terms. Do you want to have your general terms and conditions checked? Then you can always contact us at 0348-750553.

What happens in an amicable collection trajectory?

In the amicable collection trajectory, the collection agency seeks contact with your debtor. This can be done in various ways, such as email, letter, telephone, or chat. In this communication, the debtor is informed that the claim has been transferred to the collection agency and that collection costs must be paid.

Once contact has been established with the debtor, a solution must be found for the payment arrears. This is usually through a full payment, but sometimes through later payment or payment in installments.

How can I start an amicable collection trajectory?

There is no standard amicable collection trajectory for debtors, as every debtor has their own story. Therefore, it is a good idea to leave the amicable collection trajectory to a specialized company. A good collection agency has extensive experience with both business and private debtors. Moreover, for many claims, "fresh eyes enforce." Many debtors who do not respond or pay proceed to payment after the trajectory is taken over by a collection agency.

Additionally, we have developed trajectories optimized for specific debtors. Another advantage is that engaging a collection agency is free for the client. This is because the collection costs are paid by the debtor and incasso.nl does not charge a commission.