EOS in Croatia.
Changing finances for the better.

10 things you need to know about debt collection.

  1. Selling receivables to debt collection agencies is a standard business decision of thousands of companies, which facilitates their regular operations, payment of salaries to employees, and settlement of their own liabilities.
  2. In Croatia, following the Obligations Act, the debt, when taken over by the debt collection agency, remains the same as it was with the original creditor. This means that, in the event of non-payment, the statutory default interest is calculated in the same way as it would be calculated with the original creditor.
  3. Debt collection agencies that operate by the positive legal regulations of the Republic of Croatia do not generate additional costs for the debtor. Further legal proceedings are initiated only in the case of non-payment.
  4. Debtors who establish communication with the debt collection agency, in cooperation with the agents, define an individual repayment plan, aligned with their current financial situation.
  5. Thanks to communication, mutual trust, and an individual repayment plan, hundreds of debtors successfully repay their debts every day, without the additional costs of foreclosure.
  6. The original creditor is obliged to inform the debtor about the sale of receivables to a third party. Afterward, EOS Matrix additionally informs debtors about the receivable purchase.
  7. The goal of the debt collection agency is to avoid the initiation of an enforcement procedure, which creates additional costs for the debtor (the price of initiating the procedure at the Financial Agency, court fees, notary's and lawyer's fees, and other costs of the procedure). That is why it is crucial to establish communication in order to create an individual repayment plan as soon as possible.
  8. The debt collection agency contacts only debtors or persons authorized by the debtor.
  9. By the General Regulation on Personal Data Protection, the agencies are obliged to verify the identity of the person they are communicating with. This is precisely why they ask the debtor to identify himself in every conversation.
  10. EOS Matrix contacts debtors only on business days from 8 a.m. to 8 p.m.

Contact us quickly and easily. We will be happy to help you.

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For customers

You would like to pay a debt? Contact us, we will be happy to help you.
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For companies 

Would you like to sell receivables or do you have questions about receivables management? 
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Get debt information faster and easier!

From now on, our customers can ask EOS's virtual assistant Lea their debt-related questions.

Virtual assistant Lea, through a chatbot application designed to talk to users, answers questions related to personal debts. By enabling automated answers, we have sought to expedite the resolution of inquiries where the user can at any time, without the need for payment experts, be informed of their debt and obtain the most important information.

Start a conversation, our Lea offers answers quickly and efficiently!

If you need more information, our agents are available for chat communication during working hours from 08:00 to 16:00.

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"Europeans in financial trouble?" EOS Consumer Study 2023
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"Europeans in financial trouble?" EOS Consumer Study 2023
First the Covid-19 pandemic, now record-breaking inflation and an energy crisis: Times have been tough recently, for companies as well as for us as humans. How have consumers in Europe experienced recent months? The “Europeans in Financial Trouble?” EOS Consumer Study 2023 investigated how consumption patterns and payment behaviors are changing in the current economic situation. For the survey, a total of 7,729 consumers aged between 18 and 65 from 13 European countries provided information about their financial situation. The survey took the form of an online questionnaire and was completed between February 3-9, 2023.
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