Customers

Collection of overdue claims

By transferring the claims of your debtors to B2 Kapital you ensure swift collection, liquidity, no additional debt and positive and affirmative effect on your balance. We offer the repurchase of portfolios of overdue claims, write-offs and claims for which legal actions were already started.

Time is money! With us, you have both.

  • We provide you with immediate liquidity with favorable conditions
  • Free funds for new investments
  • Protect your reputation
  • With us, you are able to fully direct to your core business, which frees up valuable financial, human resources, information and other resources
  • We achieve with your client’s good cooperation, respect their financial options and find the best solution for both sides

We offer your clients:

  • The new payment plan according to their capabilities
  • Flexible rates
  • The possibility of writing off part of the penalty interest
  • Avoid taking cases to court
  • Provides discounts on existing debts

B2 Kapital – Your new creditor

FAQ

What are the new expenses and fees now that you took over the claim?

After taking over a claim, B2 Kapital charges a default interest. We do not charge any additional fees or expenses on your debt.

If my account is blocked are you able to take my protected income?

If your account is blocked and you have opened a protected account, your protected income cannot be seized.

How long does it take for my account to be unblocked after I have paid my debt?

B2 Kapital takes the necessary measures immediately after the payment of the debt and sends a request for the withdrawal of the blockages to the relevant institutions (FINA, Croatian Pension Insurance Institute, employer…). For further steps, we ask you for patience, as these institutions do not have a legally prescribed deadline for performing their activities when it comes to unblocking your account.

Is it possible to have my account unblocked if I pay of my debt according to the payment arrangement plan?

All previously activated collaterals and enforcement documents will be withdrawn after the payment of the related debt.

What repayment options you can offer me?

Regarding the method of repayment of your debt, we strive to be flexible and adjust the payment as much as possible to your personal financial capabilities. If you cannot pay the full amount of the debt at once, we can offer you an agreed-upon repayment plan. Also, it is possible that, as part of the arrangement for repaying your debt, a partial write-off of the debt occurs.
For more information on possible debt payment options, contact our Contact Center at +385 1 560 5540 or send an e-mail to centar@b2kapital.hr.

How is it possible that my debt has been transferred to B2 Kapital?

According to Art. 80 – Art. 86 of the Obligations Act (National Gazette 35/05, 41/08, 125/11, 78/15, 29/18, hereinafter: “ZOO“), by entering into an assignment agreement, B2 Kapital has become the holder of due and unpaid claim towards you. As a new creditor, B2 Kapital took over the process of collecting that claim. According to the ZOO, you should be notified of the assignment of the claim after it has been taken over by the billing company, but your consent to the assignment is not required.

Glossary

Creditor

The creditor is a party in an obligation relation that is authorized by the other party – the debtor, to request a transfer of assets, or that the debtor does something, or that he does not do something that he would normally be able to do, or that the debtor omits doing something.

Interest

Fee for the use of other’s replaceable, movable items, most often money. The interest rate is expressed in percentage and is considered to be the price of money or capital that the borrower/debtor pays for the use of the transferred money, capital or other replaceable assets.

Legal default interest rate

Legal default interest is a sanction against a debtor who is late to meet his financial obligation. The interest rate is determined by law or by other regulations. The creditor has the right to default interest regardless of whether he has suffered any damage due to the debtor’s delay.

Transfer/assignment of claim = assignment

An alienable claim is transferred from the current creditor (Assignor) to the new creditor (Assignee) while the debtor (Debtor) and the claim remain the same. Possible legal grounds for an assignment are a contract, legal acts and a court decision.

Debt

Obligation of a person, legal or physical (debtor), to pay something (usually money) to another person, the creditor.

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