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 India 

We cover all of 36 states and territories in India. Our local office is in New Delhi where we recover debts throughout all of India. 

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. India is a very diverse country with 23 official languages. We understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from over s and a s . 

4. Statute of Limitation in India 

3 years. If there is any written acknowledgement of the debt within the said three years then the limitation period is reset. 
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: 

Case Study - GBP 15,000 recovered from India Debtor 

Initiation of Case 
A long established large UK fragrance client located near Northampton had a £15,000 debt against a debtor in Chennai, India. The debt related to products shipped to the client for which they received with no known disputes. 
Debt Collection Processes 
Upon receipt of the case we forwarded it to our local approved partner in India. They then immediately sent the initial dunning letter to the debtor stating the amount owed and a deadline to pay. Initially the debtor disputed amount owed stating payments had been made but when the client sent a detailed statement of payment allocations they then admitted the outstanding debt. Our partner then chased the debtor on a daily basis and within a few weeks the debt was finally settled in full. 
Our client was extremely pleased with the services and communications provided by oour partner and ourselves. 

India 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 India: 

Location of debt recovery office in India? 

Our corporate office is at New Delhi and we have working relation with attorneys pan India. 
All debt collection letters are sent by the local head office. 

Number of debt collection staff? 

25. 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 India? 

We have been operating an Asia debt collection service on a no win no fee basis in India since 2010. India 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 India? 

It is three years from the date of due date of the invoice but if there is any written acknowledgement of the debt by the debtor within the said three years then limitation period will be three years from the date of such acknowledgement. 
India 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 India is 3 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: 
India Open Account Years – 3 years 
India Promissory Notes – 3 years 
India Written Contracts – 3 years 
India Oral Agreements – 3 years 

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

There is very little impact in India for collection from EU. 
India is in discussions over a free trade agreement (FTA) with European Union. The European Union relaunched negotiations for a trade agreement between the EU and India on 27th June 2022 which are ongoing. They also launched separate negotiations for an Investment Protection Agreement and an Agreement on Geographical Indications (GIs). 

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

There is 1 company registry in India which is called India Ministry of Corporate Affairs Head Office is based in New Delhi. 
We have access to India Company Registry searches to find out who further background information on all India companies. 

What is the debt collection process in India? 

India Debt Collection process is the same as in Europe. After we receive the claim, it will be entered into our system and case will be examined by our attorney. Thereafter an acknowledgement will be sent to the client. Immediately thereafter we establish contact with the debtor through phone and email. Regular follow ups are made in order to expedite the recovery. If we find amicable collection is not possible then legal action is recommended wherever is feasible 

Average length of time to collect a debt? 

The average time taken to recover a India B2B debt collection case varies from case to case but typically takes 3 to 9 months for India. 

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

In India it is not usual for the debtors to pay interest in an amicable recovery 

Details on legal service / process in India? 

In India we can initiate recovery suits/ summary suits and insolvency proceedings against the debtor. 
If the debtor is an incorporated entity and the debt is undisputed it is recommended to initiate insolvency proceedings against the debtor which will pressurise the debtor to settle the matter. We will require a Power of Attorney from the client to proceed legally. In all other cases we can file recovery suit. 
Creditreform has approved partners worldwide and our preferred partner in India is no exception. They have to meet Our strict international debt collection policies to ensure clients always receive the best possible service. Our UK team work very closely with our India colleagues on all cases being handled making sure that clients are kept up to date every step of the way. 
We provide all our international debt collection services on a No Win No Fee basis and  India is no different. Commission rates are always pre agreed before commencing the instruction. We also provide a pre-instruction check on the debtor to ensure they are still active and trading. 
Although there is a large time difference with India, some 5.5 hours, our teams work out of hours to ensure that any urgent matters can be dealt with immediately. 
If legal proceedings in India are recommended by our partner no actions will be undertaken without the client’s instructions so no unknown costs will be incurred for this process. 

India 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 India 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. 

India Skip Tracing Agents 

Creditreform’s debt collection company service also uses expert local India 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 India debt collection services which differ from the UK 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. 

India Debt Collection Partners in the following Indian Cities  Agra Debt Collection Agency Ahmedabad Debt Collection Agency Aligarh Debt Collection Agency Allahabad Debt Collection Agency Amritsar Debt Collection Agency Amravati Debt Collection Agency Asansol Debt Collection Agency Aurangabad Debt Collection Agency Bangalore Debt Collection Agency Bareilly Debt Collection Agency Bezwada Debt Collection Agency Bhilai Debt Collection Agency Bhiwandi Debt Collection Agency Bhopal Debt Collection Agency Bhubaneshwar Debt Collection Agency Calicut Debt Collection Agency Chandigarh Debt Collection Agency Chennai Debt Collection Agency Coimbatore Debt Collection Agency Dehra Dun Debt Collection Agency Dhanbad Debt Collection Agency Faridabad Debt Collection Agency Ghaziabad Debt Collection Agency Gorakhpur Debt Collection Agency Guwahati Debt Collection Agency Gwalior Debt Collection Agency Howrah Debt Collection Agency Hubli Debt Collection Agency Hyderabad Debt Collection Agency Indore Debt Collection Agency Jabalpur Debt Collection Agency Jalandhar Debt Collection Agency Jammu Debt Collection Agency Jamshedpur Debt Collection Agency Jaipur Debt Collection Agency Jhansi Debt Collection Agency Jodhpur Debt Collection Agency Kalyan Debt Collection Agency Kanpur Debt Collection Agency Kochi Debt Collection Agency Kolhapur Debt Collection Agency Kolkata Debt Collection Agency Kota Debt Collection Agency Lucknow Debt Collection Agency Ludhiana Debt Collection Agency Madurai Debt Collection Agency Malegaon Debt Collection Agency Mangalore Debt Collection Agency Meerut Debt Collection Agency Moradabad Debt Collection Agency Mumbai Debt Collection Agency Mysore Debt Collection Agency Nagpur Debt Collection Agency Nashik Debt Collection Agency Nellore Debt Collection Agency New Delhi Debt Collection Agency Patna Debt Collection Agency Pune Debt Collection Agency Raipur Debt Collection Agency Rajkot Debt Collection Agency Ranchi Debt Collection Agency Rourkela Debt Collection Agency Salem Debt Collection Agency Shimoga Debt Collection Agency Solapur Debt Collection Agency Srinagar Debt Collection Agency Surat Debt Collection Agency Thiruvananthapuram Debt Collection Agency Tiruppur Debt Collection Agency Trichinopoly Debt Collection Agency Vadodara Debt Collection Agency Varanasi Debt Collection Agency Vishakhapatnam Debt Collection Agency Warangal Debt Collection Agency  

What is the legal system in India? 

The India legal system is based on English common law, except in Goa, Daman and Diu and Dadra and Nagar Haveli which follow a Civil law system based on the Portuguese Civil Law. 

What is the name of the Government Gazette in India? 

The Gazette in India is called The Gazette of India - भारत राजपत्र 

Which countries border India? 

India is bordered by China, Bhutan, Nepal, Pakistan, Bangladesh and Myanmar as well as a maritime border with Sri Lanka

Who are the main trading partners for India? 

The major export partners for India are USA, UAE, China, Hong Kong and Singapore and for imports they are China, USA, Saudi Arabia, UAE and Iraq

What is the Supreme Court in India? 

The Supreme Court for India is called 'The Supreme Court of India' - Bhāratīya Ucchatam Nyāyālaya which was established on 1st October 1937 (originally called the 'Federal Court of India'). 

India Debt Collection Agency FAQs 

1. How does a Debt collection agency in India 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 India 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 India 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 India? 

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 India 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 India? 

The reasons for using a local India debt collection agency than processing from a different country is the debt collector in India 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 India debt collection? 

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

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

Instructing the debt collectors India 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 India debt collector? 

When instructing the debt collector in India 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 India 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 India? 

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 India 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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