Amicable collection

Collecting unpaid invoices through amicable collection

Your customer hasn’t paid your invoice and doesn’t respond to your reminders either? Then it’s time to shift up a gear and proceed to amicable recovery.

This is the time to recover the outstanding sum without escalating the costs through legal proceedings. But it’s important to get the approach right. At CMA, we always engage in dialogue with your customer. This avoids straining the relationship and the debtor will be likely to pay faster.

Why turn to CMA for amicable recovery?

  • You are choosing a reliable player with more than 20 years’ experience in the industry.
  • CMA works with specialised teams of case managers (B2B, B2C, sector-specific).
  • Our diplomatic approach means your commercial customer relationship is never needlessly compromised.
  • With CMA, you opt for a personalised approach and do not get bogged down in rigid procedures.
  • CMA offers no cure no pay solutions.

What is no cure no pay collection?

No cure no pay collection means that our fees are linked to our results. So you pay nothing for uncollected invoices.

How amicable collection works at CMA

Formal notice

Our recovery procedure always starts with a formal notice. This formal notice is always monitored closely. If the debtor ignores it, we will make contact as soon as possible.

CMA quickly establishes contact with the debtor

Is the formal notice disregarded by the debtor? Then we use as many channels as possible (letter, e-mail, phone) to reach out to the debtor. We show that we are there to help him too. Direct contact and dialogue significantly increase the willingness to pay.

The right strategy for each debtor

Once contact is made, we pull out all the stops in our negotiating expertise. Every unpaid invoice has its own particular underlying circumstances.Therefore, CMA mobilises specially trained people, depending on the nature of the case. This allows us to work efficiently towards a willingness to pay. With a human approach where necessary, and always with a focus on maintaining the customer relationship. If the debtor is not prepared to seek a solution, we point out the possible consequences.

CMA wins the sprint

The statistics show that the first 30 days after the formal notice are crucial. The older the claim, the harder it is to collect. So swift and decisive action is the key. That is our focus and that is why we are the fastest in the sprint when it comes to amicable collection.

What if the debtor is not willing to settle amicably?

If after 90 to 120 days the debtor has still not agreed to settle the debt, CMA explores the legal route and prepares an advisory file. We make sure that you are in the best possible position to decide whether or not to proceed with collection through the courts. If you decide to enforce payment through legal proceedings, CMA and its legal partners will take your case in hand.

Send a formal notice yourself?

Does the debtor refuse to pay after reminder? Then you can also offer him a last chance to pay before taking further steps.


  • Always be specific. Don’t say “for payment within 10 days”, but rather “for payment no later than <date”>.
  • Indicate that it is always possible to get in touch if timely payment is not possible.
  • Be transparent about what your next action will be in the event of non-payment before the final deadline.