Goods delivered, invoice overdue, the buyer in Finland silent. This page explains how a B2B claim is collected in Finland, how long it takes, and which interest and costs can be charged to the debtor. Incasso Mentor sets up and runs this process on your behalf: we choose the right route, bring in the local specialist, follow every step and report to you in Turkish. You only take the decisions. Information as of September 2026.
The four figures that matter most to a Turkish exporter. Fees and rates change; before any legal step we confirm the current figures with our partner.
Finnish demand with at least 10 days to pay; the Perintälaki caps costs chargeable to the debtor (€210 in total for claims above €1,000). No contact on Sundays, public holidays or between 20:00 and 07:00.
Written application to the käräjäoikeus (riidaton velkomusasia); without a defence, default judgment in 2–3 weeks. No amount limit.
Transfer to ordinary proceedings: fee €310 (transfer) or €610 (contested from the start); a year or more; a lawyer is needed in practice. Appeal to the hovioikeus does not automatically stop enforcement.
Ulosottolaitos: wage attachment with protected minimum, bank, movable and real property; table fee €2.50–210, distribution 1.45%. Bankruptcy (Konkurssilaki): creditors may apply, trustee pesänhoitaja; restructuring yrityssaneeraus.
Collecting a debt in a foreign country on your own is exhausting: language, law, finding the right firm, negotiating fees, not missing deadlines. This is exactly where Incasso Mentor comes in. We review your file, obtain an independent credit report on the debtor and determine the most suitable route for Finland.
Then we set up the process: we select the registered agency or lawyer in Finland, hand over a complete and well-prepared file, fix the fee on your behalf in advance and follow every step. You work with one contact, in your own language. Every decision is yours; no step is taken without your approval.
You: send us the invoice, contract and delivery documents.
We: assess the file, obtain the credit report and report the route and cost to you in writing.
We: select and brief the local specialist in Finland, fix the fee and watch the deadlines.
We: report every development in Turkish and answer your questions.
You: take the decision at every stage. Legal steps only with your approval.
Fast summary procedure, predictable costs, state-run enforcement. Helsinki also accepts English; documents need Finnish or Swedish translation.
Collection costs chargeable to the debtor are capped; whether a separate €40 B2B flat fee applies we confirm with our partner.
The European order for payment and small claims (up to €5,000, Helsinki) are only for EU-established claimants. A Turkish exporter uses the national summary procedure; the judgment is enforced in the EU under Brussels I-bis and in Turkey through tenfiz.
Unopposed summary procedure 2–3 weeks; defended ordinary proceedings a year or more.
Not in the summary procedure; in practice yes for a defence, appeal and bankruptcy petition.
Fee €70 (digital); costs are charged to the debtor when you win. Interest from the due date is for the debtor.
Share your invoice and the basic documents. We review the file and report the route in Finland and the expected cost to you in writing, in Turkish; the rest we plan together. B2B, from €20,000 per debtor.
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