Industry
Commercial & B2B Debt Recovery
Unpaid invoices, trade receivables and supplier debts
Commercial debt recovery focuses on protecting trading relationships while securing payment. DECOL handles single high-value claims and large B2B portfolios with the same structured methodology.
Typical debts we recover
Unpaid trade invoicesSupplier creditService contractsEquipment leasesSubcontractor invoices
Recovery timeline
1
Pre-legal demand 1–7 days
First formal demand with structured escalation
2
Negotiation & dispute handling 7–30 days
Reconcile invoices, address disputes, propose terms
3
Settlement or escalation decision 30–45 days
Recommend amicable closure or legal action
4
Legal action (if required) 3–9 months
Court procedure and enforcement
Statute of limitations
| Debt type | Period | Note |
|---|---|---|
| Written contract (most EU) | 5–10 years | Varies by jurisdiction |
| UK simple contract | 6 years | Limitation Act 1980 |
| Germany B2B | 3 years | §195 BGB, from end of year claim arose |
Sector challenges
- •Disputed invoices and back-charges
- •Group company structures hiding the real debtor
- •Insolvency risk on aged receivables
DECOL approach
- •Forensic invoice and PO reconciliation
- •Direct engagement with finance and procurement decision-makers
- •Structured settlement plans documented in writing