Collect faster, recover more
Strategic Debt Collection — powered by data, AI, and experts — designed to help your customers resolve their debt.
Your strategic partner for debt collection
We understand what people need in financially difficult moments. That’s how we reach them — with direct access to solutions. By supporting individuals empathetically in resolving their debts, we build trust, preserve relationships, and secure sustainable returns.
We use AI thoughtfully — only where it's proven to add value and makes a difference. It supports the moments that matter most: guiding decisions, shaping communication, and improving outcomes. Always with expert oversight.
With over 60 years of cross-industry experience and backed by Bertelsmann, we combine operational precision with full financial independence. No leveraged debt. No shortcuts. Just a solid foundation for sustainable growth, operating in more then 20 countries.
Debt collection — starting with the user.
Our platform adapts to context, case history, and customer behavior covering the full debt collection journey from early-stage recovery to legal and long-term tracking. Trained on millions of touchpoints, machine learning shapes contact paths, channel mix, and decisions, dynamically adjusting to behavior and portfolio signals.
Our consumer portal and app let users resolve their debts their way: guided, transparent, and on their terms. From personalized payment plans to tailored reminders, we help people take control — and it works.
Payments come in 25% more reliably and nearly a day sooner compared to offline. All with a few taps.
The AI voice assistant handles over 30% of inbound calls, cutting wait times by up to 50%.
But if things need a human touch, our Co-Pilot supports agents with the right context, drawn from years of experience across industries. It's automation that performs, and experts who know why.
You see exactly what’s happening and understand why.
From portfolio-level performance KPIs in our self-service reporting portal to real-time activity in the client portal, every metric and message is just a click away. Step in, freeze, or steer any case, right when you need to.
Planning to sell your receivables? Let’s talk.
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Axel Kulick Axel Kulick, Vice President of Sales Debt Collection & Debt Purchase |
Data-driven strategies engineered to maximize returns from outstanding receivables, boosting your bottom line.
Real-time analytics and reporting provide the visibility and control needed for consistent, strategic cash-flow management.
Seamless operations in 20+ markets, fully adapted to local compliance and cultural nuances.
Our fair, transparent approach safeguards your reputation and strengthens customer loyalty.
Plug in. Scale fast. Stay audit-ready.
Whether you’re live in one region or rolling out across markets, our collection platform scales with precision — without adding complexity. One connection gives you the power to grow, stay compliant, and move fast.
- One RESTful API: real-time sync, standardized formats, and seamless file handling
- Streamlined onboarding: from credentials to first claim, we guide setup, testing, and go-live
- Certified security & compliance: ISO 27001, ISO 9001, GDPR, and SAP Hosting Partner
- Enterprise ready: built-in capacity buffers, fallback logic, and expert support at scale
Debt Collection regulations across countries: navigating the global escape
In today’s global economy, providing credit to international customers is common practice for many companies. However, this also brings the complex challenge of cross-border debt collection. Each country has its own regulations on debt collection practices, making it essential for businesses to understand these practices to ensure successful and compliant debt collection.
Human-Centric Debt Collection: Balancing Technology with Empathy
Something transformative is happening within the field of debt collection: it's changing how agencies connect with people in debt. Moving beyond the traditional methods of automated calls and standardized letters, the focus is now on blending technological efficiency with genuine empathy. At Riverty, we believe in harnessing innovation to not only streamline processes but also to foster understanding and respect in every interaction.
The Debt Trap: Why your customers fall in and how you can help them climb out
While it might provide a short-term sales boost, chronic debt can lead to late payments, defaults, and ultimately, lost customers. How can your business prevent this and cultivate a financially secure customer base?
Frequently Asked Questions about Debt Collection
We focus on enterprise-scale receivables and operate at large volumes across complex, high-volume portfolios. Our infrastructure is designed for organizations that place thousands of claims regularly and require a partner who can scale, integrate, and perform consistently.
Yes. We are registered under the German Legal Services Act (RDG), officially listed in the Legal Services Register, and fully compliant with GDPR. Our operations meet the latest requirements of the VVInkG, and our systems are certified to ISO 27001 (information security) and ISO 9001 (quality management). We are also a member of the BDIU, the leading industry association for registered debt collection companies in Germany.
We deliver debt collection solutions across Germany, Austria, Switzerland, the Nordics, the Benelux region, France, Italy, Spain, and the United States. In some markets, we work with trusted local partners, integrated into our compliance, performance, and reporting ecosystem. This model lets you manage international recovery centrally, while staying compliant with local requirements.
We provide a RESTful API that supports real-time data exchange, status updates, and case-level automation. For clients using SAP (IS-U, CRM, ERP), we offer native integration support. We also support secure flat file transfers in CSV and XML, with built-in error handling and fallback workflows. Our documentation and onboarding are structured to ensure fast and stable implementation with minimal dependencies.
We provide a RESTful API that supports real-time data exchange, status updates, and case-level automation. For clients using SAP (IS-U, CRM, ERP), we offer native integration support. We also support secure flat file transfers in CSV and XML, with built-in error handling and fallback workflows. Our documentation and onboarding are structured to ensure fast and stable implementation with minimal dependencies.
We provide real-time, portfolio-wide visibility into your collections performance. You can track key metrics like recovery rates, complaint ratios, contact effectiveness, aging structures, and process statuses. Reports can be segmented and tailored to your organization’s needs. Operational users access this data through our client portal, while strategic insights are delivered through a live dashboard that supports benchmarking, trend analysis, and custom reporting formats.
Consumers engage with us through a combination of physical and digital channels. This includes letters, emails, SMS, voice assistants, and live support from trained phone agents. They can also use our self-service portal to manage their debt: reviewing balances, setting up payment plans, requesting deferrals, or sending messages. In Germany, we offer these features via a mobile app as well. The experience is designed to be respectful, accessible, and compliant with all legal standards.
Our platform coordinates international debt collection across more than 20 countries. You operate through a single interface and contract, while we manage local execution with trusted partners. Legal compliance, communication, and data exchange are handled under centralized standards, giving you consistent oversight and performance tracking wherever your customers are located.
Yes. We offer hybrid models that allow you to start with active collection and transition into a debt purchase structure or split your receivables between the two approaches. This flexibility helps you align recovery, liquidity, and internal resource strategy within a single partnership.
Yes. Our operations are built for scale. We handle large volumes on a daily basis and are equipped to manage spikes caused by seasonality, system migrations, or campaign cycles. Our automated processes and expert teams ensure that performance, compliance, and case handling remain stable, even under heavy load.
Yes. For claims that require a different process path — such as flagged disputes, legal holds, or compliance restrictions — we configure specific workflows aligned with your requirements. These flows are implemented during onboarding and managed via a central process engine that ensures full transparency and traceability.
You’ll work with a dedicated team including a Key Account Manager, operational experts, and access to legal and data specialists. We offer structured onboarding, direct communication lines, regular performance reviews, and collaborative planning sessions. Our support model is designed to help you optimize performance while staying aligned with your internal goals and external compliance obligations.