{"id":4196,"date":"2022-09-21T17:26:06","date_gmt":"2022-09-21T15:26:06","guid":{"rendered":"https:\/\/inkasso-team.com\/inkasso-privat-beauftragen\/"},"modified":"2026-02-17T14:04:23","modified_gmt":"2026-02-17T13:04:23","slug":"assign-debt-collection-privately","status":"publish","type":"page","link":"https:\/\/inkasso-team.com\/en\/assign-debt-collection-privately\/","title":{"rendered":"Assign debt collection privately"},"content":{"rendered":"\n<section class=\"block-1-hero\" style=\"background-image:url(&#039;https:\/\/inkasso-team.com\/wp-content\/uploads\/2022\/09\/inkasso-team-open-graph-privat-beauftragen-1920x599.jpg&#039;);\">\n    <div class=\"container\">\n        <div class=\"row\">\n            <div class=\"col-xs-12 col-sm-8 col-md-5\">\n                <h1>Assign debt collection privately<\/h1>\n<h2>We recover money even where others give up.<\/h2>\n<p>&nbsp;<\/p>\n<p><a class=\"ctaBtn\" href=\"https:\/\/inkasso-team.com\/en\/contact\/\">Contact us<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Powerful, resourceful, legal, international &amp; on-site.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n            <div class=\"container heroBatchContainer\">\n            <div class=\"heroBatch\" aria-label=\"Hinweis\">\n                <div class=\"heroInnerBatch disFlex alignItemsCenter\">\n                    <p style=\"text-align: center;\">Success 2014-25*<br \/>\n<span style=\"font-size: 2rem;\"><strong>73.4 %<\/strong><\/span><\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n\n<div class=\"container\">\n    <div class=\"breadcrumbsWrap breadcrumbsDesk\">\n        <a href=\"https:\/\/inkasso-team.com\/en\/\">Inkasso Team AG<\/a>\n\n        \n        <a href=\"https:\/\/inkasso-team.com\/en\/assign-debt-collection-privately\/\">\n            Assign debt collection privately        <\/a>\n    <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"item\":{\"@id\":\"https:\/\/inkasso-team.com\/en\/\",\"name\":\"Inkasso Team AG\"}},{\"@type\":\"ListItem\",\"position\":2,\"item\":{\"@id\":\"https:\/\/inkasso-team.com\/en\/assign-debt-collection-privately\/\",\"name\":\"Assign debt collection privately\"}}]}<\/script>\n\n\n\n\n\n<section class=\"block-2-freier-text\">\n\t<div class=\"container\">\n\t\t\t\t<div class=\"row\">\n\t\t\t<div class=\"col-xs-12 col-sm-10 col-sm-offset-1 col-md-8 col-md-offset-2\">\n\t\t\t\t\t\t\t\t\t\t\t<div id=\"spm1\" class=\"sprung\"><\/div>\n<p style=\"text-align: center;\"><strong><span class=\"upperText\">What you should know<\/span><\/strong><\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #990100;\">Starting Point for Debt Collection for Individuals (&#8220;Private Collection&#8221;)<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p class=\"whitespace-pre-wrap break-words\">Individuals are often even more severely affected by outstanding repayments or financial losses than companies or business people. When made privately, loans or investments frequently <strong>occur within the context of personal relationships<\/strong>. Enforcement against friends, acquaintances, or family members is often more difficult because:<\/p>\n<ul class=\"[&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc space-y-1.5 pl-7\">\n<li class=\"whitespace-normal break-words\">you want to avoid excessive strain on the relationship,<\/li>\n<li class=\"whitespace-normal break-words\">you often hesitate and wait too long,<\/li>\n<li class=\"whitespace-normal break-words\">and you delay sending payment requests or formal reminders until late in the process.<\/li>\n<\/ul>\n<p class=\"whitespace-pre-wrap break-words\">This makes the situation ultimately more complicated, e.g., because the statute of limitations may be approaching or the debtor no longer has financial resources.<\/p>\n<p class=\"whitespace-pre-wrap break-words\">With investments, advance payments, unpaid private invoices, outstanding maintenance contributions, loans, etc., <strong>to external parties or companies<\/strong>, private individuals often depend on professional debt collection services due to lack of expertise or available time.<\/p>\n<p class=\"whitespace-pre-wrap break-words\">Assigning debt collection privately, i.e., having it conducted by debt collection agencies or attorneys, costs money. With debt collection agencies, an advance payment is typically required (with attorneys, a retainer). With debt collection agencies, this advance is generally refunded through offsetting against the success fee; see terms and conditions. Particularly when individuals are experiencing financial constraints due to non-payment or other reasons, it is painful when they must reach into their pockets again to recover their money.<\/p>\n<p class=\"whitespace-pre-wrap break-words\">Of course, the statements made here about the starting position of private individuals vary in individual cases, and as with almost all collection cases, the specific issues of each individual case must be considered.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong><span class=\"upperText\">Can money collection be successful in your case?<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><a class=\"ctaBtn\" href=\"https:\/\/inkasso-team.com\/en\/contact\/\">Request a case assessment now<\/a><\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n\n\n<section class=\"block-2-freier-text\">\n\t<div class=\"container\">\n\t\t\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><b>Important Considerations<\/b><\/p>\n<h2 style=\"text-align: center;\"><span class=\"smallText\" style=\"color: #990100;\">What should you pay attention to, when assigning debt collection privately?<\/span><\/h2>\n<p class=\"whitespace-pre-wrap break-words\">We repeatedly encounter two mistakes:<\/p>\n<ol class=\"[&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-decimal space-y-1.5 pl-7\">\n<li class=\"whitespace-normal break-words\"><strong>Excessive patience and waiting too long<\/strong>. This increasingly puts the debtor in a stronger position; they experience how their excuses, promises, and maneuvers succeed. And success, as we know, reinforces preceding behavior.<\/li>\n<li class=\"whitespace-normal break-words\"><strong>Pursuing collection exclusively through legal channels for too long<\/strong>. Of course, it is correct to follow the legal collection process or to conduct legally-supported negotiations via an attorney for disputed claims, and if these show no success, to pursue legal action (lawsuit).<\/li>\n<\/ol>\n<p class=\"whitespace-pre-wrap break-words\"><strong>The Problem<\/strong>: Such processes can extend over months to years, e.g., when the debtor (and their attorney) exhaust all deadlines and objection possibilities (actions for annulment, appeals, possibly up to the Federal Supreme Court). Not only is this approach expensive, but it also gives the debtor all the time in the world to prepare for enforcement proceedings based on a legally valid judgment (transferring assets, generating undeclared income, etc.). Therefore, even in private collection cases, professional assistance should be sought early (assign private debt collection).<\/p>\n<p style=\"text-align: center;\"><strong><span class=\"upperText\">Debt Collection Service Providers<\/span><\/strong><\/p>\n<h2 style=\"text-align: center;\"><span class=\"smallText\" style=\"color: #990100;\">\u00a0Legacy debt collection? Attorny? Collection Specialist?<\/span><\/h2>\n<p class=\"whitespace-pre-wrap break-words\">Many of our clients have not had good experiences with a <strong>classical collection agency<\/strong>, which primarily writes letters and possibly initiates legal collection. This is not to underestimate the services of conventional collection agencies; their services are useful and essential for numerous claims. Their arsenal is more effective with consumer debtors or those who are at least not unwilling, but temporarily unable to pay.<\/p>\n<p class=\"whitespace-pre-wrap break-words\">Instead, private creditors in sensitive cases should entrust themselves to a <strong>specialized collection company<\/strong>. We also refer to this as <strong>direct collection<\/strong>. We thoroughly research the debtor, not only online but also on-site, develop clever pressure scenarios, and negotiate forcefully with the debtor on this basis. The success rate, which is around 75% for our company, shows that this approach is often worthwhile.<\/p>\n<p class=\"whitespace-pre-wrap break-words\"><strong>Attorneys<\/strong> are particularly the right contacts when legal questions need to be clarified or when it is clear from the outset that only legal steps that are reserved for attorneys come into question (e.g., a civil lawsuit).<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n<\/section>\n\n\n\n\n\n<section class=\"block-2-freier-text\">\n\t<div class=\"container\">\n\t\t\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong><span class=\"upperText\">FAQs<\/span><\/strong><\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #990100;\">Frequently asked questions<\/span><\/h2>\n<h3 style=\"text-align: center;\"><span class=\"smallText\" style=\"color: #990100;\">Can I, as a private individual, assign debt collection?<\/span><\/h3>\n<p style=\"text-align: center;\">Certainly, yes! As a private individual, you would need to be the owner of the claim.<\/p>\n<h3 style=\"text-align: center;\"><span class=\"smallText\" style=\"color: #990100;\">Can I, as a private individual, assign a claim?<\/span><\/h3>\n<p style=\"text-align: center;\">Certainly, yes! There are a few formal requirements that need to be met.<\/p>\n<h3 style=\"text-align: center;\"><span class=\"smallText\" style=\"color: #990100;\">Can I engage a collection agency without sending reminders beforehand?<\/span><!--EndFragment --><\/h3>\n<p style=\"text-align: center;\">Certainly, yes:<\/p>\n<p>There is no legal obligation to send reminders before engaging a collection agency or an attorney. The expiration of the payment deadline is sufficient to put a debtor in default. However, sending one or possibly two reminders is sensible, as often the reason for non-payment is trivial or the debtor responds to the reminders. A common mistake, however, is waiting too long or when repeated assurances from the debtor are not fulfilled.<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: center;\"><span class=\"smallText\" style=\"color: #990100;\">Are the cost worthwhile to assign private debt collection?<\/span><\/h3>\n<p class=\"whitespace-pre-wrap break-words\">If you and the offering collection company see (estimate!) a probability of success of over 50%, then it is worthwhile. If not, then you should consider writing off the claim. This is painful, probably even more so for private individuals than for companies, but still better than a years-long battle against windmills and escalating costs. If a case seems too uncertain to us, we advise clients against proceeding. Unfortunately, we observe that some do not follow this advice and try elsewhere with questionable success.<\/p>\n<p class=\"whitespace-pre-wrap break-words\">If you (and we) are uncertain, you could commission us with a preliminary investigation mandate (financial circumstances of the debtor, place of residence and registration, etc.). This usually reveals the chances. For you, it is more cost-effective than immediately issuing a collection mandate. And if such a mandate can be issued later, we will apply these costs toward the advance payment.<\/p>\n<p class=\"whitespace-pre-wrap break-words\">If there are chances, they only materialize if one is prepared to bear the costs and a certain residual risk. Here we provide a general <strong>cost and revenue example.<\/strong><\/p>\n<table class=\"custom\" style=\"line-height: 1;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"text-align: left;\" colspan=\"2\">Claim amount = Repayment<\/td>\n<td style=\"text-align: right;\">CHF 100\u201900.\u2014<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Advance payment<\/td>\n<td style=\"text-align: left;\">10%<\/td>\n<td style=\"text-align: right;\">CHF 10\u2019000.\u2014<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Success fee<\/td>\n<td style=\"text-align: left;\">30%<\/td>\n<td style=\"text-align: right;\">CHF\u00a0 \u00a030\u201900.\u2014<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\" colspan=\"2\">Already received with advance payment<\/td>\n<td style=\"text-align: right;\">CHF -10\u2019000.\u2014<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\" colspan=\"3\">\n<hr style=\"border-width: 1px; border-color: #eeeeee; margin: 0;\" \/>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\" colspan=\"2\">Remaining collection fee<\/td>\n<td style=\"text-align: right;\">CHF 20\u2019000.\u2014<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\" colspan=\"2\">Payment to client<\/td>\n<td style=\"text-align: right;\">CHF 80\u2019000.\u2014<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"whitespace-pre-wrap break-words\">If you would like a detailed preview regarding your claim for various outcome variants, please <a href=\"https:\/\/inkasso-team.com\/en\/contact\/\">submit an inquiry<\/a>.<\/p>\n<p>&nbsp;<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n<\/section>\n\n\n\n\n\n<section class=\"block-2-freier-text\">\n\t<div class=\"container\">\n\t\t\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><b>Scope of Service and Terms<\/b><\/p>\n<h2 style=\"text-align: center;\"><span class=\"smallText\" style=\"color: #990100;\">How do we facilitate assigning debt collection privately?<\/span><\/h2>\n<p>Based on our experience with private clients, we have adapted our approach and terms to their needs, with the same advantages naturally benefiting commercial clients as well:<\/p>\n<ul>\n<li class=\"whitespace-normal break-words\">Before taking on a case, we conduct <strong>analysis and preliminary research<\/strong>, make a statement about the prospects of success, and submit an offer. The private individual can thus make their own cost\/benefit assessment.<\/li>\n<li class=\"whitespace-normal break-words\">We enable <strong>installment payments<\/strong> for the advance payment, typically two to three installments over 2-6 months. This preserves the client&#8217;s liquidity, and they can be convinced of our professional and reliable working methods. Sometimes a repayment success occurs before the entire advance payment has been made.<\/li>\n<li class=\"whitespace-normal break-words\"><strong>We share costs and risks.<\/strong> First off: There is never a guarantee of success in debt collection, and the process often enough contains surprises. We share this risk by contractually committing to work on a case for an unlimited period without incurring additional costs for the client beyond the advance payment. If a case lasts longer than approximately 6 months, the advance payment is exhausted in most cases, and we continue working at our own expense. The client has access to the project accounting at any time and can be convinced of our time and financial commitment. This increases the chances of achieving a result even in difficult cases.<\/li>\n<\/ul>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n<\/section>\n\n\n\n\n\n<section class=\"block-2-freier-text\">\n\t<div class=\"container\">\n\t\t\t\t<div class=\"row\">\n\t\t\t<div class=\"col-xs-12 col-sm-10 col-sm-offset-1 col-md-8 col-md-offset-2\">\n\t\t\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong><span class=\"upperText\">Inkasso-Team AG<\/span><\/strong><\/p>\n<h2 style=\"text-align: center;\"><span class=\"smallText\" style=\"color: #990100;\">Who are we?<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p class=\"whitespace-pre-wrap break-words\">Inkasso-Team AG is a consortium of debt collection entrepreneurs who bring up to 20 years of experience, have been collaborating since 2014, whose business has steadily grown since then, and who elevated their activities to an even higher level of professionalism in 2021 with the establishment of Inkasso-Team AG. Currently, the team includes permanent staff in Switzerland, Germany, Austria, and France. Additionally, there is a network of independent contractors, specialists such as private investigators, attorneys, etc. worldwide. For a brief introductory video, please have a look <a href=\"https:\/\/inkasso-team.com\/en\/team\/\">here<\/a>.<\/p>\n<p class=\"whitespace-pre-wrap break-words\">\n<p>&nbsp;<\/p>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4196","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/inkasso-team.com\/en\/wp-json\/wp\/v2\/pages\/4196","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/inkasso-team.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/inkasso-team.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/inkasso-team.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/inkasso-team.com\/en\/wp-json\/wp\/v2\/comments?post=4196"}],"version-history":[{"count":6,"href":"https:\/\/inkasso-team.com\/en\/wp-json\/wp\/v2\/pages\/4196\/revisions"}],"predecessor-version":[{"id":8508,"href":"https:\/\/inkasso-team.com\/en\/wp-json\/wp\/v2\/pages\/4196\/revisions\/8508"}],"wp:attachment":[{"href":"https:\/\/inkasso-team.com\/en\/wp-json\/wp\/v2\/media?parent=4196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}