27 EU member states. 27 legal systems. One recovery partner.
Europe is not one market. It is 27 EU member states plus the UK, Switzerland, Norway, and others — each with its own commercial code, court system, and payment culture. Average payment terms vary from 30 days in Germany and the Netherlands to 60-90 days in Italy, Spain, and Portugal. The EU Late Payment Directive (2011/7/EU) harmonises some rules, but enforcement remains local.
For undisputed cross-border claims within the EU. File in the creditor's home jurisdiction. If uncontested within 30 days, enforceable across all EU member states.
Allows a domestic judgment for an uncontested claim to be enforced in another EU member state without exequatur proceedings.
For cross-border claims up to EUR 5,000. Conducted in writing, no court appearance required.
Freeze a debtor's bank account in another EU member state to prevent asset dissipation before or during litigation.
European debtors are far more responsive to demands made by local professionals in their own language. A demand letter from a London-based creditor may be ignored. A demand letter from a local agent citing the applicable national code, with a clear escalation path to the local court, gets attention. INTERCOL maintains native-language agents and pre-vetted legal partners in every European jurisdiction.
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