Industry
Consumer Debt Recovery
Telecom and water providers, utility bills, BNPL debts and high-volume energy collections
Consumer recovery requires the highest ethical and regulatory standards. DECOL operates fully compliant workflows aligned with GDPR, FDCPA-equivalent rules and local consumer-protection law — covering telecom, water, energy and buy-now-pay-later portfolios.
Typical debts we recover
Telecom and water providersUtilities billsBuy-now-pay-later debtsHigh-volume collections of energy
Recovery timeline
1
Compliant first contact 1–3 days
Written notice, channel preferences honoured
2
Affordability assessment 3–21 days
Open dialogue, hardship review where applicable
3
Payment plan or settlement 21–60 days
Sustainable plans with auto-mandates
4
Legal escalation (selected cases) 3–12 months
Only where viability and proportionality support it
Statute of limitations
| Debt type | Period | Note |
|---|---|---|
| Most EU consumer contracts | 3–6 years | Jurisdiction-specific |
| UK consumer debts | 6 years | Limitation Act 1980 |
| Netherlands consumer sales | 2 years | Article 7:28 BW |
Sector challenges
- •Regulatory complexity across jurisdictions
- •Vulnerable debtor identification
- •Channel and consent management
DECOL approach
- •Respectful, multi-channel outreach (letter, SMS, email, voice)
- •Vulnerability screening and forbearance options
- •Consent and contact-frequency controls inside Decol24