myDebtCollector

Recovering your money costs you nothing.

No monthly fees, no retainers, no upfront payments: we only charge a percentage when you get paid. If we recover nothing, you pay nothing.

Unpaid invoices choke SMB cash flow: money you have already earned but cannot use. Outsource debt collection with zero risk — we only earn when you recover.

Every week you wait, your invoice is worth less

The probability of collecting a commercial debt drops sharply as it ages. That is why we act fast: the sooner we start, the more you recover.

At due date
95%
collectible
At 3 months
69%
collectible
At 6 months
51%
collectible
At 1 year
21%
collectible
80 days
is the real average B2B payment period in Spain: 20 more than the 60-day legal maximum.
7 in 10 €
of the amount invoiced in Spain is paid late.
49%
of companies suffer revenue losses from unpaid invoices.
73 days
of working time per year is lost by the average European company chasing payments.

Your team does not need to become a debt collector or burn a customer relationship. A neutral third party that claims methodically and on time recovers what resists you — and you keep the good commercial relationship.

Sources: collectability curve, Commercial Collection Agencies of America; average payment period and amount paid late, CEPYME (Observatorio de la Morosidad, 2025); losses from unpaid invoices, Crédito y Caución / Iberinform (2025); days lost, Intrum (European Payment Report 2025).

Three rates, one principle: we only get paid if you do

Choose the level of action each debt needs. In all three plans our fee is a percentage applied only to the amount actually recovered: no monthly fees, no retainers, no advances.

Amicable collection

8 %
of what we recover

Out-of-court recovery of your invoices, aimed at getting paid without conflict.

  • Collection calls and emails
  • Systematic reminders to the debtor
  • Professional tone that protects your business relationship
Only on the amount actually recovered

Advanced collection

15 %
of what we recover

Personalized case management and direct negotiation with the debtor.

  • Everything in amicable collection
  • Direct negotiation with the debtor
  • Settlement agreements and payment plans
Only on the amount actually recovered

Court action

30 %
of what we recover

Full judicial claim of the debt, through to enforcement.

  • Judicial claim handled from start to finish
  • Follow-through until enforcement
  • Third-party costs always quoted before we start
Only on the amount actually recovered

Court action may involve third-party fees and disbursements (court fees, court agent) separate from our fee. They are always quoted and communicated before any action starts: no surprises.

Every debt is different: we never guarantee success rates or timelines. We analyze your case and tell you plainly which route makes the most sense.

For SMBs with unpaid B2B invoices

myDebtCollector is built for companies that sell to other companies and accumulate overdue invoices nobody has time to chase.

Overdue B2B invoices

Business customers who miss due dates, and invoices aging month after month on your books.

No team to chase them

Your people are there to sell and operate, not to chase late payers. We take on the claim from start to finish.

Without burning bridges

We claim firmly and professionally, never aggressively: you may well want to keep selling to that customer.

What you get

Prevent and recover

Unpaid invoices wreck your cash. myCFO helps you prevent them with treasury and receivables control; myDebtCollector helps you recover them once they happen.

Discover myCFO →

Tell us what you are owed and we will tell you how to recover it

Request a free audit or message us on WhatsApp. We analyze your unpaid invoices and propose the route that makes the most sense for your case, with no commitment.

Request a free audit Message us on WhatsApp