Debt collection · Slovakia

🇸🇰 Your customer in Slovakia is not paying?

Goods delivered, invoice overdue, the buyer in Slovakia silent. This page explains how a B2B claim is collected in Slovakia, 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.

Slovakia at a glance

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.

Upomínacie konanie
Electronic order for payment for undisputed claims, only at the Banská Bystrica district court; fee half the regular rate.
ECB + 8 / 9 pts
B2B commercial default interest (Commercial Code § 369): ECB rate + 8 points (half-yearly) or the ECB rate on the day of default + 9 points fixed.
€40
Flat fee per claim without proof (§ 369c).
4 years
B2B limitation (Commercial Code § 397); a written acknowledgment starts a new 4-year period.
Process

How collection in Slovakia proceeds

Amicable phase

Slovak demand; interest and the €40 fee are stated. No separate licence for agencies in Slovakia; we work with a Vienna-based regional partner.

Electronic order for payment

Electronic filing at Banská Bystrica (Act 307/2016); without an objection (odpor), an enforceable decision.

Court action if objected

Ordinary proceedings at the debtor's district court (okresný súd), appeal to the krajský súd. A lawyer acts in contested proceedings.

Enforcement and insolvency

The súdny exekútor is assigned centrally at random (application €16.50); the debtor may pay at reduced cost within 15 days. Wage, bank (€165 exempt), movable, real-estate and business attachment, driving-licence suspension. Insolvency (Act 7/2005): konkurz or reštrukturalizácia; unsecured creditors usually paid in part.

Our role

We organise your collection in Slovakia

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 Slovakia.

Then we set up the process: we select the registered agency or lawyer in Slovakia, 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.

What you do, what we do

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 Slovakia, 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.

Three points that matter for a Turkish exporter

A digital route from one centre

Order for payment and assignment of the enforcement officer come from one court, electronically and at half the fee. Slovakia is therefore predictable for undisputed claims.

Long limitation, extended by acknowledgment

The 4-year B2B period is above the European average; a written acknowledgment renews it. In payment-plan talks we obtain the acknowledgment in writing.

EU procedures closed

The European order for payment and small claims are closed to Turkish companies; a Turkish judgment is practically unusable in Slovakia. We sue in Slovakia and enforce the judgment in the EU under Brussels I-bis.

Frequently asked questions

How long does collection in Slovakia take?

Unopposed electronic order for payment a few weeks to a few months; a defended case depends on the court. Assignment of the enforcement officer is quick.

Do I need a lawyer?

The source names no legal requirement; in contested proceedings we work with a lawyer registered with the Slovak bar.

What if the debtor resists on a small amount?

For claims up to €2,000 the home cannot be sold; wage, bank and business attachment and driving-licence suspension remain strong tools.

Incasso Mentor is not a law firm. We coordinate the amicable phase; where a legal step is needed, an authorised lawyer, enforcement officer or registered agency in Slovakia acts with your approval. This page is general information, not legal advice. Source legislation: Commercial Code (Act 513/1991, §§ 369, 369c, 397, 407), Act 307/2016 (upomínacie konanie), Enforcement Code, Act 7/2005 (bankruptcy), Act 71/1992 (court fees). Information as of September 2026.

Submit your Slovakia claim today

Share your invoice and the basic documents. We review the file and report the route in Slovakia 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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