Man sitting at the living room table looking seriously at bills lying next to his laptop.

You got a bill.
Why's that?

It's simple. You bought something from someone and didn't pay the bill. Maybe you just forgot. Now that someone has asked us to help. That's why our name is on the letter. But you'll find the name of the original creditor on our letter too. Just have a look. What's next? We'll help you pay your bill. All you need to do is: get in touch. Together we'll find a solution that suits both sides. Our purpose is: a debt-free world. And we'd like to free you from your debts.

We're happy to help. Just get in touch.

Together with the other HUAN members, EOS agreed on a package of measures to mitigate the negative impact of the crisis on socially vulnerable citizens

Members of the Croatian Association of Debt Collection Agencies (hereinafter: Agencies) agreed on a set of measures aimed at mitigating the negative impact of the crisis on socially vulnerable citizens.

Fully aware of the potential consequences of the crisis on the citizens, the Agency wants to support the efforts of the Government of the Republic of Croatia in this challenging period and, taking into account the social components, contribute to the activities. In a period of six months (October 1, 2022 to March 31, 2023), the Agencies will implement a series of five measures that will completely suspend part of the activities that are part of the claim collection process and suspend the calculation of default interest. The measures would be applied to citizens of the Republic of Croatia who have exercised at least one of the available rights in the social welfare system based on the Social Welfare Act and do not apply to business entities. The measures we adopted at the level of the Croatian Association of Debt Collection Agencies are a continuation of coordination with the Government during earlier challenging situations, such as earthquakes and pandemics, when we also enabled citizens to bridge that period more easily with a package of measures. In accordance with the positive practice of HUAN members, in this period we will additionally intensify the individual approach to each debtor, taking into account their real material possibilities so that their existence is not further threatened. We believe that even in these circumstances, the proposed HUAN measures will contribute to the activities undertaken by the Government of the Republic of Croatia with the aim of financial stability and the protection of socially vulnerable citizens.

In the attachment (Croatian language only), we submit the detailed measures, the definition of debtors to which they would be applied, and the method of implementation.
Preuzmi dokument_HUAN paket mjera (166 kb)

Your questions. Our answers.

That's simple. The fastest and most popular way is the one-off payment. You can pay your bill at once. Or by instalments. To find an instalment plan that suits your situation please get in touch. Together we'll find a solution that suits both sides.

One-off payment.

Grab our letter, look up the claim number and choose the payment type you like.

By instalments.

Grab our letter, look up the claim number and get in touch. Thanks.
No. Your original creditor has asked us to help. You'll still find their name on our letter too. But they want us to manage the payments. That's the only chance to keep things streamlined and simple. Please get in touch with us. Thanks.
Please don't. Most people do because it's an unfamiliar and uncomfortable situation. No need to worry. We can help you through this. We've done it a million times. And we'll take the time you need to answer all your questions. One of them we can answer right now: what if you ignore the whole thing? Well, the longer the process, the higher the costs. And you might ignore our letters, emails and calls – but if we run out of options, EOS has the right to take legal action. And that means lawyers get involved. They get a title – that's something like a court decision – that says you have to pay, and how much. All the court costs will be added to the bill.

The good thing is: you can ignore all that if you don't ignore us. Prompt contact with us will prevent legal action and keep costs low. Just get in touch – we're happy to help.
Well, let's start with the bad news: you'll probably pay more in the end.
Here's why: you got a product or service from someone, but you did or could not pay the bill. Or maybe you just forgot. That's human. We all forget things from time to time. That's why that someone asked you again to pay the bill. And you didn't. Again. Now that someone has asked us for help, which is why you got a reminder from us. And we'll remind you a couple more times. That's your chance to settle the claim before the court gets involved. If you don't, please keep this in mind: the longer the process, the higher the costs. And you might ignore our letters, emails and calls – but if we run out of options, EOS has the right to take legal action. You get a title – that's something like a court decision – that says you have to pay, and how much. All the court costs will be added to the bill.

Let's end with the good news: as you may have noticed, we have taken a lot of effort to explain the process to you, step by step. And we'll take even more time to talk you through all the options by phone or in person at our offices. Prompt contact with us will prevent legal action and keep costs low. Just get in touch – we're happy to help.
Don't worry: we'll find a solution. Promise. It's our job to free you from your debts. And we've helped millions of debtors already. Not with one-size-fits-all solutions, but tailored ones. For example: if you can't pay the full amount straight away, we'll split it into instalments that suit you. And no matter how small the first instalment is, it's a start. A start towards a future that frees you from the burden of your debts. A start that feels good and makes you feel better, one step at a time. Just talk to us: we're real people who are happy to help. And this help won't cost you a cent. Just get in touch.
Okay, then our letter, email or text message may have taken you by surprise. Sorry for that. We wrote to you because you bought something from someone and didn't pay the bill. Maybe you just forgot. Now that someone has asked us to help. That's why our name is on the letter. But you'll find the name of the original creditor on our letter too. Just have a look.

If you remember your purchase, check your bank account. Maybe something went wrong with the payment. Then check with us. We can run you through the payment options. Please get in touch. Thanks.
Great. That's good news. Maybe the payment hasn't reached us yet, or maybe something else went wrong somewhere. Sorry for that. Let's double-check it together. Please get in touch to make sure that we are on the same page. After this check, you'll get a confirmation of your payment. This is the final proof that your debt has been written off. Then that's it. Thanks for your help and time.
Oh no! We're sorry for that. Please get in touch with us so that we can stop sending letters to the wrong address.
Okay. Sometimes things go wrong. And that's a pain for everyone involved. Let's find out where things went wrong together. Please get in touch to let us know that the claim isn't correct. That's important because right now, we don't know. And you'll probably get more unnecessary letters, emails or phone calls. On the other hand, if the claim isn't a mistake, you might face extra charges because at some point the court will get involved. And that's unnecessary too. Please get in touch; we'll look into the matter and make everything right again. Thanks.
Yes. We're a global player with lots of certificates, experience and years in business. Just browse this site or the web. Or get in touch however you like: write an email, call us or visit our offices. Well, that's all the proof we can think of right know. Did it help? If you are still unsure, you can turn to a debtor's advisory centre for help.
If the sender is EOSMatrix, we can confirm that we have sent the SMS. If you have previously made an oral agreement with an employee of our company in which they have agreed to send you the payment details via SMS, you can proceed to use them.

Should you, for any reason, suspect that it was not our company who has sent you the SMS, please contact us for verification. In case you have any further questions, feel free to contact us by phone, send us an e-mail, fill out the online form on our website, or simply visit our offices. Thanks.

Sure. Sometimes things go wrong. Sorry for that. Let's find out what went wrong together. Just get in touch however you like: write an email or a letter, call us, visit our offices, or use the callback service. Thanks.

EOS Matrix d.o.o.

Office


Phone: +385 1 2016 166

Fax: +385 1 6407 109

kontakt@eos-matrix.hr


Opening hours:

From Monday to Friday: 08:00 AM – 08:00 PM

 

Receiving clients from Monday to Friday:
09:00 AM – 03:00 PM for legal matters
12:00 PM – 04:00 PM for out-of-court debt collection

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