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Debt collection in Italy

debt collection italy oddcoll

Professional debt collection in Italy, conducted locally

Risk-free. Pay only upon success
9,5 % in commission
19,5 % in commission
Debt collection conducted locally in Italy
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Very good service

This factory have good quality and good service.

ALESSIO SASSONE |
Terranova da Sibari, Italy
Rated 9,3 out of 10 based on 111 reviews on Kiyoh!

Expert debt collection in Italy

Do you need support with debt collection in Italy because an Italian client has failed to pay your invoice? Our local experts are ready to assist you in recovering your funds efficiently and professionally.

Discover how our debt collection agency in Italy can streamline the process and enhance your chances of success.

How can Oddcoll help you with debt collection?

Oddcoll is an international debt collection platform that connects businesses with leading debt collection agencies and legal professionals worldwide. We make cross-border debt recovery easier through:

  • Local expertise: Our Italian partners possess in-depth knowledge of national laws, the local language, and business culture.
  • Success-based pricing: You only pay when we successfully collect your debt.
  • Fast onboarding: Upload your unpaid invoices and start recovery immediately.

Our debt collection agency in Italy

Italian companies often operate with some of the longest B2B payment terms in Europe. When invoices remain unpaid, working with a professional debt collection agency in Italy is the most effective solution.

For debt collection in Italy, Oddball collaborates with PN Italia, one of the country’s most trusted collection specialists. Their consistent results and high customer satisfaction make them the perfect partner for handling debt collection in Rome, Milan, and throughout Italy.

About PN Italia

PN Italia is a respected debt collection agency in Italy, operating nationwide, including Milan and other key business hubs. With over 20 years of experience, their specialists manage both B2B and B2C claims for companies of all sizes and sectors.

They are known for:

  • High professionalism and attention to detail
  • Tailored strategies for every case
  • Clear communication throughout the process

Whether you need a debt collection agency in Rome or nationwide support, PN Italia combines local insight with international standards to deliver results, achieving a success rate of around 90%, thanks to the expertise and persistence of its local team.

Once you upload your case to our platform, PN Italia immediately begins the recovery process using a combination of negotiation, local legal knowledge, and efficient communication with your debtor.

Out-of-court debt collection in Italy

Before resorting to legal action, our Italian debt collection agency follows a structured and efficient recovery process to encourage voluntary payment:

  1. Verification – Identifying the debtor and assessing their financial position
  2. Written reminders – Sending formal payment requests
  3. Direct contact – Calling the debtor to negotiate repayment
  4. Home visits (if necessary) – For additional persuasion
  5. Final legal notice – A letter from our legal team increasing pressure to pay

This step-by-step approach helps recover most debts without court involvement, reducing time and cost for your business.

Judicial debt collection in Italy

Our debt collection agency in Italy always strives to recover payments in a mutually amicable manner. However, when negotiations fail, legal action may be necessary. Don’t worry, our Italian specialists are experienced in both amicable and judicial debt collection in Italy, ensuring full support from the first reminder to court enforcement.

How legal debt collection in Italy works

When your debtor continues to ignore payment requests, our local lawyers can initiate judicial proceedings. In most cases, the competent court is located where the debtor resides or where their company is registered (foro generale delle persone fisiche). For example, debt collection in Rome is handled by the courts of Rome, while debt collection in Milan is governed by the Milan jurisdiction.

To start a case:

  • A written application must be prepared in Italian. It is addressed to the opposing party and submitted to the court clerk’s office.
  • Depending on the case value or type, it may go to a specific court.

In nearly all civil cases, you’ll need a lawyer to represent you — only very small claims can be filed without one. Our debt collection agency in Italy collaborates with trusted legal partners who specialize in these procedures, ensuring that your claim complies with all local requirements.

Costs and recovery of legal fees

Legal proceedings in Italy involve certain costs:

  • Court charges, paid directly to the court, depend on the value of the claim.
  • Lawyers’ fees, agreed upon with your legal representative.
  • Additional expenses for translations or administrative tasks, if required.

If you win the case, the judge usually orders the losing party (the debtor) to reimburse your legal expenses. However, the final decision always rests with the court.

Order for payment procedure in Italy

In Italy, creditors can use a simplified court process known as the order for payment procedure (decreto ingiuntivo) to recover uncontested debts efficiently. This is one of the most commonly used tools in legal debt collection in Italy by our partner debt collection agency in Italy.

When can the order for payment be used?

This procedure applies if:

  • The claim has not been contested by the debtor before.
  • The claim concerns a specific monetary amount.
  • There is written proof of the debt (such as invoices or contracts).

If the court accepts the application, it issues an order requiring the debtor to pay the full amount within about 40 days. The same order also informs the debtor of their right to object within that period. If no objection is filed, the order becomes final and enforceable, allowing the creditor to recover the funds through judicial enforcement.

There is no financial limit on the amount that can be claimed using this procedure. It can be applied in all cases of debt collection in Italy, whether the debtor is based in Rome, Milan, or any other city.

How to apply for an order for payment in Italy

The application must:

  • Summarise the claim and its supporting facts (detailed explanations are not required).
  • Be filed in Italian and addressed to the relevant court.

Once approved, the order for payment must be served on the debtor:

  • Within 60 days if served inside Italy.
  • Within 90 days if served abroad.

After receiving the order, the debtor has 40 days to contest it. If they object, the case moves to ordinary court proceedings where the judge reviews the evidence. If no objection is made within the deadline, the creditor can request that the order be declared final and enforceable.

Competent courts for the order for payment

Applications can be filed with the Justice of the Peace (Giudice di Pace) for minor claims or the General Court (Tribunale) for larger or more complex cases.

Our debt collection agency in Italy ensures that the correct court handles your claim, whether you’re pursuing debt collection in Rome, Milan, or any other region.

Judicial enforcement of Italian debts

If a debtor still refuses to pay after a judgment or an order for payment, enforcement is the next step. This process enables the creditor to recover the debt through court-supervised actions, including asset seizure, bank account garnishment, and property auctions.

To begin enforcement, the creditor must have a valid enforcement order, usually the court’s final judgment or payment decree. The ordinary courts are responsible for managing enforcement cases across Italy.

Insolvency proceedings in Italy

When a company in Italy can no longer meet its financial obligations, bankruptcy (insolvency) proceedings may be initiated. These proceedings ensure that all creditors are treated fairly and that the company’s remaining assets are distributed properly.

A company may be declared insolvent if it meets at least one of the following criteria:

  • Assets or resources of €300,000 or more in the three years before the insolvency application.
  • Annual net income of €200,000 or more in each of the previous three years.
  • Total debts of €500,000 or more at the time of the application.

Once insolvency is declared, the company’s assets form a bankruptcy estate, which is managed by a court-appointed trustee.

Need help with debt collection in Italy?

Whether you need debt collection in Rome, debt collection in Milan, or nationwide support, our Italian specialists can help you recover unpaid claims quickly and efficiently.

Contact us today to learn more about our proven strategies for both amicable and judicial debt recovery.

Frequently asked questions about debt collection in Italy

We manage all out-of-court collections on a No Cure No Pay basis, including in Italy. We charge 9.5% commission. Our goal is to recover the full principal amount, along with any applicable interest and costs. Should you choose to pursue legal action, we switch to an hourly or fixed fee arrangement. There are no hidden charges, and we will always consult you before taking any further steps.

Debt collection in Italy begins with an out-of-court phase, typically a formal payment reminder called a “lettera di messa in mora.” Oddcoll’s local Italian partner sends this notice in Italian, setting a payment deadline and warning of legal steps. Many debtors pay at this stage, especially when contacted by a local professional. If the debtor fails to pay, our partner may initiate court proceedings. The most common legal tool is a “decreto ingiuntivo”, a fast-track court order for undisputed debts. This is based on written proof, such as an invoice or contract. If uncontested, it becomes enforceable within 40 days. Oddcoll manages this process through its Italian partner, who knows the procedures, documentation standards, and how to escalate when needed. You don’t need to navigate Italian bureaucracy yourself, we do it for you, ensuring an efficient and locally compliant process from start to finish.

The timeline depends on whether the debt is paid during the amicable phase or requires legal action. Most Italian debts are resolved within a few weeks after sending a formal payment reminder, especially when it comes from a local agency. Typically, the debtor is given 7–15 days to respond. If legal steps are required, a “decreto ingiuntivo” can be issued within 1–3 months if the debt is uncontested. If the debtor contests it, the process becomes a full civil lawsuit, which can take 12 months or more. Oddcoll’s Italian partner always chooses the most efficient strategy for each case and keeps you updated on progress. Our goal is to resolve the claim quickly while minimizing costs. Thanks to local legal knowledge and a streamlined workflow, many debts in Italy are collected without ever needing to go to court.

With Oddcoll, you only pay if the debt is collected. There are no start-up fees for the out-of-court phase. Our Italian partner works on a success-fee basis, taking a percentage of the recovered amount. If legal action is required, costs like court fees or lawyer expenses are discussed with you in advance. These costs vary by claim size and court but are always transparent. In successful legal cases, the court usually orders the debtor to reimburse legal fees and expenses. This helps reduce your financial risk. The Italian legal system allows creditors to recover statutory late payment interest and sometimes collection costs. Oddcoll ensures that your case is handled efficiently and cost-effectively by experienced local professionals. You stay in control of all decisions, and we make sure you’re never surprised by hidden charges.

If a debtor refuses to pay, our local Italian partner can take legal action. The most efficient legal remedy is a “decreto ingiuntivo”, a court-issued payment order for clear, documented debts. It’s a fast-track process, often resolved in weeks if uncontested. The debtor has 40 days to oppose it. If they don’t, the order becomes final and enforceable. Enforcement measures can then begin, such as freezing bank accounts, seizing property, or garnishing receivables. If the debtor contests the claim, the matter turns into a full lawsuit, with hearings and formal pleadings. Oddcoll’s partner prepares all court documentation and manages the process. You’re informed at every step and must approve before legal action is taken. With the right documents and a credible claim, this legal route can be a powerful way to secure payment.

Language and culture are critical to successful debt recovery in Italy. Most debtors expect communication in Italian. Notices in English or other languages are often ignored. That’s why Oddcoll’s Italian partner handles all communication in Italian and follows local business etiquette. In Italy, persistence and formal language are respected, and local agents know how to strike the right tone. Phone calls or personal visits can also be more effective than written demands alone. Cultural understanding helps apply pressure appropriately while remaining compliant with Italian law. Foreign creditors often face delays or miscommunication without local support. Oddcoll removes this barrier by using a vetted Italian partner who speaks the language, understands the norms, and ensures your claim is taken seriously. This local presence dramatically improves response rates and collection outcomes.

To collect debts in Italy, foreign companies must follow local legal procedures. All official documents must be in Italian, and legal action requires a licensed local attorney. There is no centralized debt registry, so proper documentation is key: contracts, invoices, and delivery confirmations support your claim. Italian law allows fast-track court orders like the “decreto ingiuntivo” for undisputed debts, which is efficient and enforceable. However, if the debtor contests the claim, the process becomes slower and more complex. Timely action is crucial and statutes of limitation may apply (typically five years). Oddcoll ensures your case is handled professionally by a vetted Italian debt collection agency that knows the system. You avoid language barriers, legal risks, and unnecessary delays. The process is managed for you through our platform, so even from abroad, your debt recovery complies with all Italian legal and cultural requirements.

Oddcoll partners with PN Italia, a top-tier debt collection agency in Italy. As soon as you upload your unpaid invoice, our Italian partner takes over. They send a formal demand letter in Italian, follow up by phone, and apply local pressure to prompt payment. If the debtor still doesn’t pay, they prepare the case for court, filing a “decreto ingiuntivo” and managing enforcement if needed. You don’t need to speak Italian or understand Italian law. Everything is handled locally while you receive updates and guidance in English via the Oddcoll platform. The service is success-based: you pay only if money is recovered. With local legal knowledge, cultural insight, and direct access to enforcement channels, our partner ensures your Italian debtor takes the claim seriously. This results in high success rates and minimal hassle for your company.

How Debt collection in Italy works

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How debt collection in Italy works

1. Upload your invoice

Create an account and upload your invoice via the platform, API or CSV – easily and in seconds.

2. Local experts take over

Our hand-picked partners in the Italy handle the collection with effective measures, including demand letters, calls and legal steps.

3. Get paid

Once the payment is completed, the money is sent directly to you – quickly, securely and without hassle.

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