ZZP debt collection: get paid faster without risk

As a self-employed person, you live off your cash flow. An outstanding invoice of €500 or €5,000 makes an immediate difference in your month. Yet many self-employed people wait too long before calling in a collection agency, often out of fear of high costs or a damaged customer relationship.

At Credifin, we take a different approach. We combine clear, friendly communication with smart collection tools. Want to know what steps you should ideally take when an invoice isn't paid? Then read our article on the roadmap for an outstanding invoice. This way, you keep control of your income without coming across as a hard creditor.

• No financial risk: we work 100 percent on a No Cure No Pay basis. If we collect nothing, you pay nothing.
• Respectful approach: we approach your client humanely and clearly, without a threatening tone.
• Working Wki-proof: we fully comply with the Quality Collection Services Act of 2026.

You don't have time for endless rounds of phone calls. That's why we deploy a powerful digital tool: the Registered Mail. This is a digital version of a registered letter, with legal proof that the message has arrived. Want more background on registered mail and its legal effect? Then also read our knowledge base article about the registered letter.

For you, this means:

• Irrefutable proof: you can see exactly when your customer received and opened the email.
• High attention value: your customer immediately notices that it is serious, without having to be aggressive.
• At no cost to you: we deploy this as standard within our collection process on a No Cure No Pay basis.

This increases your chances of getting paid quickly, while leaving you with no extra work or expenses.

We keep the process as simple as possible for you. You supply the information, we do the rest.

Step 1: Upload your invoice

Create an account in a few minutes and upload your invoice in our online portal. You don't have to put together complicated files. Basic information about your customer and the invoice are enough.

Step 2: We immediately start the collection process

We immediately send a clear first reminder via email, text and mail. Want to know how to draft a strong first reminder yourself? Then also read our knowledge base on an effective payment reminder. We then follow up with smart, friendly reminders. Where necessary, we call after and calmly explain the situation.

We use modern tools to get your client moving, always respecting the relationship.

Step 3: You receive your money

As soon as your customer pays, we transfer the principal amount directly to your account. We recover the statutory interest and collection costs from your customer, if permitted by law. That way you keep more of your invoice amount.

The rules around debt collection have become stricter in recent years. That's good for you and for your client, but it sometimes makes the process complicated. We make sure you stay legally secure.

Do you supply to individuals (B2C)?

With consumers, strict rules apply. The 14-day letter is mandatory before you can charge collection costs. Judges pay extra close attention to this in 2026.

Haven't sent such a letter yet? Then we can arrange that for you and, where possible, automate it. This way you can be sure that you comply with the law and prevent a judge from rejecting your costs later.

Do you supply businesses (B2B)?

With business customers, you may charge faster fees and interest. We calculate the correct collection costs and statutory commercial interest for you. This way you are fairly compensated for waiting for your money.

Above all, you want one thing: for your invoice to be paid, without nagging. That's why many self-employed people choose an agency that communicates clearly, moves quickly and has no fine print.

• High success rate in the amicable phase: in many cases legal proceedings are not necessary. Want to know exactly how such a process works? Read more about amicable debt collection.
• No subscription fees or hidden filing fees: you know upfront where you stand.
• Personal contact: you get advice from specialists who work with zzp debt collection on a daily basis.
• Fast payout: once the money is in, we pay out your share as soon as possible. Does it have to go to court? Then we will clearly explain how legal proceedings work and what you can expect.

Don't wait until your invoice is about to expire or your customer becomes unreachable. The sooner you make the switch, the better your chances of receiving prompt and full payment.