For Debtor Customers

Your creditor concluded a contract with us for the management of debts, to represent its interests during the settlement of debts.

Have you been contacted by Creditexpress?

In order to find a solution that suits you, the most important thing is to contact us as soon as possible. This way, you can indicate in time if you feel that the claim is unlawful or that you have payment difficulties.

What is debt management?

Debt management is a service where an overdue and undisputed debt is collected from the debtor by the creditors or a debt management company engaged by them before initiating a judicial procedure.

We always seek a solution that is acceptable and appropriate for all. After we have contacted the debtor – whether via the phone, in a letter or in person – we assess all possible methods of repayment and, if necessary, we offer customised payment relief or payment in instalments.

Complaint handling

If you have any complaints about our administration process, please contact our staff so that we can settle the situation in a way that is reassuring for everyone! The Complaint Handling Regulations of Creditexpress and the form required for submitting a complaint are available among the below Downloadable Documents. Contact our customer service for more information.

How can I settle my debt?

You can pay up your debt in a single amount or, if necessary, in instalments. Please note that failure to pay your arrears by the set deadline might result in further costs being added to it.

Send a message

Should you have further questions about your case, do not hesitate to contact our colleagues or the Client Service.

    Downloadable documents

    Downloadable documents




    Bankruptcy is a special non-litigious court procedure that is conducted for the purpose of collective settlement of all creditors of the debtor by liquidating his property and distributing the collected funds to creditors. It usually results in the termination of the bankruptcy debtor of the legal entity (unless the creditors of the bankruptcy debtor accept the bankruptcy plan to which the bankruptcy debtor agrees).


    It means a debt arising from lending money, goods or services.


    The co-debtor has the same obligations as the debtor. It has the same liability for the payment of the debt.


    During the collection we contact the debtor, send him payment notices, and may offer payment in instalments or with rescheduling arrangements. During the collection we seek to settle the debt efficiently on the basis of negotiations. Right from the beginning of the procedure, CREDITEXPRESS approaches each debtor individually.


    Means a natural person, legal person or other entity that owes money or has other payment or other obligations.


    The date by when an amount owed is payable. If it is not paid by the specified deadline then this amount is to be considered a debt.


    The enforcement procedure is initiated by the bailiff with a proposal based on the enforcement or authentic document. Enforcement is the procedure of enforced collection of claims on the basis of enforceable and authentic documents conducted by courts and public notaries.


    A monetary debt the debtor is required to pay under legislation or a contract.

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