1. Costs - No Win No Fee! 

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only. 

2. Coverage in Guam 

Guam is an unincorporated territory of USA which is divided into 19 municipalities. Our local office is in the capital Hagatna where we recover debts throughout all of Guam. 

3. Local Experience 

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors' language. The national languages are English and Chamorro, but Filipino and Spanish are also commonly spoken on the island. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas. 

4. Statute of Limitation in Guam 

5 years but there are special exemptions so whatever the age please contact us and we will advise if we can assist with your claim 
Search a country below for debt collection: 

How to Instruct Us 

We simply require the following details: 
Full name & address of the debtor 
All available contact details of the debtor i.e. contact name(s) / Tel / Mobile / Email(s) 
Amount owed (Invoice(s) or Statement will help) 
Or ask us to call you – just leave us your details: 

Guam Debt Collection – No Win No Fee 

Creditreform operates a global specialist International debt collections service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win No Fee basis charging an agreed commission against monies recovered only. All our international offices and partners initiate the collection processes by sending the debtors a debt collection letter to introduce their involvement. 
Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows: 
The local International Debt collection Partners know: 
The local cultures 
The best methods of initiating debt recovery letters and processes 
The languages 
The laws 
Are in the same time zones 
Herewith details of our debt collection service Guam: 

Location of debt recovery office in Guam? 

Anibare District, Republic of Nauru. All debt collection letters are sent by the local head office. 

Number of debt collection staff? 

3/5 staff. Each staff member is allocated a client and all their debt collection letters are personalised in order to effect the best response result s from debtors. 

How long have you been operating a debt recovery service in Guam? 

We have been operating an Oceania/Pacific debt collection service on a no win no fee basis in Guam for over 10 years. Guam is included on our debt collection agency list

What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)? 

We handle both Business to Business debt recovery cases and Business to Consumer debt collections cases. There is different content for business to business debt collection letter templates and business to consumer debt collection letters templates

Statue of Limitation in Guam? 

Normally 4-5 years in Guam. 
Guam civil litigation statute of limitations is a law that time limits a plaintiff’s right to bring a claim against a defendant. The statute of limitations in Guam is 4 years. However, if an action has been taken within this time then the statute of limitations time will be extended to account for this. Once the specified time period elapses then no action can be taken through the legal processes unless the plaintiff is able to prove exceptional circumstances. Other Statute of Limitations include: 
Guam Open Account Years – 4 years 
Guam Promissory Notes – 4 years 
Guam Written Contracts – 4 years 
Guam Oral Agreements – 4 years 

How EU (European Union) laws effect debt collection in Guam? 

EU has no real effect in Guam. 
There is currently no Free Trade Agreement that have been signed or any ongoing negotiations between Guam and European Union. 

How many companies registries in Guam for businesses (i.e. UK has just 1 central registry)? 

There is 1 company registry in Guam which is called Guam Department of Revenue and Taxation located at: 
Physical Address: 1240 Army Drive, Barrigada, Guam 96913 
Mailing Address: Dept. of Revenue & Taxation, Taxpayer Services Division, P.O. Box 23607, Barrigada, Guam 96921 
We have access to Guam Company Registry searches to find out who further background information on all Guam companies. 

What is the debt collection process in Guam? 

Pre-court collections initiated by debt recovery letters are the most effective way of recovering debts 

Average length of time to collect a debt? 

The average time taken to recover a Guam B2B debt collection case varies from case to case but usually takes up to 12 months or even longer. 

Can late payment fees / interest to be added to claims? 

Unfortunately late payment interest is not usually recovered for Guam debt collection cases. 

Details on legal service / process in Guam? 

Legal actions are taken through the Superior Court in Guam 

Guam Business Credit Reports 

Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. We provide freshly investigated Guam Credit Reports which can be done prior to trading to make sure the company you will be dealing with can meet the commitment or once the debt becomes overdue to ensure the debtor can meet the amount owed. 

Guam Skip Tracing Agents 

Creditreform’s debt collection company service also uses expert local Guam skip tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis only charging for a successful trace. 

Specialist Debt Recovery Experts 

There are many unique requirements to recovering international debts in all countries including Guam debt collection services which differ from the UK debt collection agency services and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collectors UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collector only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service. 

Which countries border Guam? 

Guam is an island in Oceania/Pacific which part of the USA. Guam is east of the Philippines, north of Papua New Guinea, and south of Japan

Who are the main trading partners for Guam? 

The main trade partners for Guam are Singapore, Japan, South Korea, Hong Kong and Taiwan

Guam Debt Collection Agency FAQs 

1. How does a Debt collection agency in Guam recover overdue debts? 

The debt collection process is initiated by an introductory letter to your debtor stating the amount owed to you and informing them of our involvement. Letters are then followed up with emails and telephone calls. From our experience the most effective part of this process will be the outsourcing to a third party debt collection agency in Guam as the debtor now has to resolve the debt and can no longer hide or provide lame excuses. 

2. How long does the debt recovery agency in Guam take to process a case? 

The debt collection case will be processed immediately up receipt and a letter sent normally by email and post. You will receive an automated confirmation by return. 

3. What is the success rate for debt collection agencies in Guam? 

The success rate of the debt recovery case depends on a number of factors including the solvency of the debtor and whether the case has a legitimate dispute. Our aim is to recover every debt that is recoverable. 

4. Does the debt recovery agency in Guam operate a No Win No Fee debt collection? 

We take on all debt collection cases on No Win No Fee basis only charging the agreed commission against monies recovered. 

5. Why use a local debt recovery agency in Guam? 

The reasons for using a local Guam debt collection agency than processing from a different country is the debt collector in Guam speaks the local language, knows the local laws and operates in the same time zones. 

6. Are there any debts too old or too small for Guam debt collection? 

We will assess all debt cases, irrelevant of age and size and then advise the best processes to recover these through the Guam debt collector. 

7. How do I instruct the debt collectors in Guam? 

Instructing the debt collectors Guam is a simple process. You just email details of the debt, debtor and amount to be recovered and the case can be initiated. 

8. What evidence do I need to provide when instructing the Guam debt collector? 

When instructing the debt collector in Guam just provide copies of invoices/statements, debtor contact details and any relevant information you may have to assist with the recovery process. 

9. Who does the debtor pay? 

In general the debt collector in Guam will request payments to be sent directly to the client but if not possible for any reasons will take payment directly. If payment is taken then cleared funds will be processed and sent to client straight away. 

10. Can I instruct multiple cases? 

You can send unlimited debt case instructions. Our systems will automate volume cases to meet your requirements. 

11. Can you trace debtors in Guam? 

Through our network of skip tracing agents we have an extremely high success rate of locating your absconded debtor. 

12. How long does the debt collection process take? 

On average the debt collections process takes 90 days to resolve an amicable debt recovery case. There are a number of factors that can delay this process but we will keep you informed every step of the way. 

13. What are my options if debt collection in Guam is not successful? 

If the debt recovery service is not successful we will advise you of your options including legal actions. Please note no legal actions or other processes will be taken without prior instruction from you. 
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