European Debt Collection for US Companies

• Rapid Contact: An Account Manager will reach out via phone or email within one business day to discuss your case.
• Case Analysis: A thorough assessment of your outstanding invoices to understand the debt collection issue.
• Success Probability Review: An objective, expert view on the likelihood of recovering your funds based on their international experience.
• No-Obligation Proposal: A detailed overview of the "no-win, no-fee" structure, explaining that you only pay commission upon successful collection.
• Solution Tailoring: Discuss the customised strategy that aims for quick results while protecting your long-term business relationships.

CMC specialises exclusively in B2B debt collection. We understand the client relationship worth preserving and a debt worth recovering, and we manage both.

⚖ No win, no fee
Zero upfront cost. Zero retainer. You only pay a commission when we successfully recover your money.

🎯95% out of court
The vast majority of cases are resolved amicably. Faster, cheaper, and without damaging the business relationship.

🌍30+ European countries
From Germany to Greece, Netherlands to Romania; we have experienced, native-language specialists in every major European market.

🤝B2B only
We work exclusively with businesses. Every case is handled by people who understand commercial relationships, invoice disputes, and trade credit.

How much does it cost to hire a debt collector? 

Our service operates on a no-win, no-fee basis. You only pay if we're not able to collect the costs from the debtor. If we collect the full amount, including interest and collection fees, we retain the interest and collection fees as our commission, and you receive the full principal amount. If only part of the claim is recovered (e.g., only the principal), we charge a commission on the collected amount. 

What information do I need to submit a case? 

The essentials are copies of the unpaid invoices, your debtor's contact details (company name, address, email, phone), and any relevant correspondence (emails, contracts, delivery confirmations). The more context you provide, the faster we can act. 

Is hiring a debt collector worth it for small business owners? 

Yes, particularly for international invoices. When a European client hasn't paid, your options are limited: chase it yourself (which is time-consuming and rarely effective across borders), hire a lawyer (which is expensive upfront), or write it off. CMC removes all three problems. There is no upfront cost, no minimum commitment, and no administration fee. You only pay a commission when funds are recovered. If we cannot collect, you pay nothing. CMC handles it, so you can focus on your business. 

How long does it typically take to get the European invoice paid? 

Most cases are resolved amicably within 6 to 8 weeks. Complex cases or those involving disputed invoices can take longer. Your account manager can give you a realistic estimate upon request based on the specifics of your case and the country your debtor is in. 

Will hiring a collection agency hurt your business relationship? 

A defaulting debtor can be a happy client tomorrow.. With the right approach and professional collection we can preserve a relationship better than chasing payment yourself. 

We discuss a tailor-made approach: whether it is through a soft approach to maintain the customer relationships or a firm approach to create urgency. 

What steps do you take to collect the debt? 

Every case gets a tailored strategy. We may issue formal reminders, negotiate directly with the debtor, or escalate if needed. 

We agree the approach and goals with you from the start: is cash recovery the priority, or does the commercial relationship also need to be protected? We assess progress continuously, adapt our approach, and only proceed with settlements or adjustments in consultation with you. You are kept informed throughout. 

How do you contact my customer? 

We tailor communication to each case, using the most appropriate channels: Phone, email, postal mail, and others as needed. 

Our approach (tone, channels, pressure level) is always agreed with you and adapted to the debtor's profile, location, and behaviour. The goal is communication that is professional and effective, without being intrusive or damaging to the business relationship. 

What if my European client disputes the invoice? 

When an invoice is disputed, one of our specialists will review the details of your case and explain your options clearly. If there's a reasonable path to a negotiated solution, we'll explore it. If the invoice is valid and the dispute doesn't hold up, we have the experience and tools to pursue it. 

What happens if legal action is needed? 

We always focus on resolving cases amicably first. If we have exhausted the pre-legal process, we carry out a cost/benefit analysis and advise whether legal action is worthwhile, considering the debtor's location, the nature of the debt, and the expected legal costs. 

If you agree to proceed, we can assist. If you decide not to continue, we close the file free of charge. 

Is there a minimum commitment or contract length? 

No. There is no minimum commitment and no fixed contract length. Each case is assessed individually. 

We do recommend discussing the estimated volume of debts you plan to submit. This helps us tailor our service and ensure an efficient process from the start. 

How does the no win, no fee model work? 

Simple: if we do not collect, you pay nothing. No upfront fees, no retainer, no administration costs. 

When we recover the full amount, including interest and collection fees, we retain the interest and collection fees as our commission. You receive your full principal. 

Why choose CMC for your debt collection? 

Everything is done in-house. Our own colleagues, in our own office, on our own payroll. We do not outsource. All debtor communication is handled by native speakers. There are no administration, office, or handling fees, and all work is no-win, no-fee. 

We do not use a one-size-fits-all model. Every case gets a tailored strategy. That is why not only businesses, but also law firms, insurers, and other collection agencies trust CMC with their international cases. 

Your usual collections process stops working the moment the debtor is in Europe. Different laws, different language, different business culture, and your local agency has no reach there.

The problem: Foreign legal systems
Each European country has its own debt collection laws, court procedures, and statutory timelines. What works in the US doesn't apply in Germany or France.

CMC solves this: Local legal expertise, every country
CMC uses native specialists for your debtor's country; people who know the local law, the local courts, and how to apply pressure that gets results.

The problem: Language and culture barriers
Your emails get ignored. A demand letter in English from a US company carries little weight with a debtor in the Netherlands or Italy.

CMC solves this: Native-language debt collectors
Every case is handled by a native speaker in your debtor's country. Formal demand letters and direct pressure when needed.

The problem: No win, big cost, the litigation trap
Hiring a European lawyer costs money upfront, with no guarantee of recovery. For invoices under $100K, the legal cost can exceed the debt itself.

CMC solves this: No win, no fee with zero upfront risk
CMC works entirely on a success-based commission. If we don't collect, you pay nothing. 95% of our cases are resolved before any legal action is needed.