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How to Resolve a Debt With Atradius Collections

Sarah Edwards | July 14, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Atradius Collections is a B2B collection agency that helps businesses recover overdue debt from their vendors. SoloSuit explains what to do if Atradius Collections is bugging you for money.

While you might assume that consumers are most likely to fall behind on their obligations, many businesses do, too. Companies that run into cash flow problems or simply don’t have good recordkeeping practices don’t always pay other businesses they owe money to.

When a B2B organization doesn’t receive the money it expects from its customers, it does what any B2C company would — it tries to get them back on track with their payments. It will call the debtor business and send letters in an attempt to collect the money it’s owed.

However, sometimes these efforts don’t work, and the business will contact a collection agency, like Atradius Collections, that specializes in collecting money for B2B organizations.

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What to know about Atradius Collections

Atradius Collections exclusively services organizations that have outstanding debt from other businesses. It offers outsourced accounts receivables services that take over a customer's entire receivables process, along with other options, like amicable debt collections.

Amicable debt collection services are preferred by companies that don’t want to sour a strategic relationship with a vendor who has fallen on hard times. With this service, Atradius Collections tries to set up a payment arrangement that the owing company can comply with.

Other solutions are also available, including legal collections and insolvency services. In short, Atradius Collections aims to recover owed money for their customers through different channels.

The head office for Atradius Collections is David Ricardostraat 1, 1066 JS Amsterdam, The Netherlands. Its U.S. office is at 211 Schilling Circle, Suite 200, Hunt Valley, MD 21031, with a contact number of 410-568-3850 or toll-free 800-423-6624.

Atradius Collections is not a Better Business Bureau accredited organization.

What to do if Atradius Collections contacts you for debt

If you receive a collection notice for a debt serviced by Atradius Collections, you’re likely a business owner or self-employed person who owes money to another company. While the relationship between you and the vendor is different from that of a B2C organization, the strategy for dealing with the debt remains the same.

Business owners who recognize the debt and know they owe it should seek to resolve it. If you don’t believe you owe the debt or think you’ve already paid it, you should ask Atradius Collections to validate the obligation.

In your debt validation request, ask for the following:

  • A complete statement of your account with the original creditor.
  • A copy of the original bill or invoice.
  • The date of the last transaction made on your account.

If you value your relationship with the original creditor, it’s best to be tactful in your response. There’s no need to ask for a statute of limitations calculation or pull out all the legal stops (at least not yet). The collection notice could be a simple accounting mistake that you can rectify with a copy of your payment receipt or other evidence.

Not sure what to expect when validating a debt? Watch our Q&A video below to learn more:

If Atradius Collections can validate your debt — and you don’t have proof you’ve already paid it — you can repay it or try to set up a payment arrangement.

Sometimes, companies lose copies of the invoices they owe, especially when there’s a change in the accounting staff or bookkeeping system. If the amount is small and you have the funds to repay it, there’s no need to damage your relationship with your creditor — just add it to the next cycle of bills you pay.

Sometimes an Atradius Collections debt is more serious

If the debt is significant and you see no potential for repaying it soon, Atradius Collections may sue your company to obtain the money you owe. You’ll know it has decided to sue you when you receive a Court Summons with a copy of Atradius Collections’ Complaint against your organization.

Once you receive a Court Summons, reading the Complaint thoroughly and checking for any inaccuracies is critical. For instance, if the amount of the debt differs from your records, that’s important.

Some businesses seek legal representation when another company decides to sue them for debt. Consider hiring a lawyer if the debt is large.

A lawyer can help you understand your rights concerning the obligation and determine whether you have any valid defenses. They can also attempt to negotiate a payment arrangement or a settlement that could protect your business from future cash flow issues due to the obligation you owe.

Remember that business debts are subject to statute of limitations laws, just like consumer obligations are. If you’re unsure whether the debt is past your state’s statute of limitations, consult an attorney for advice.

Let’s consider an example.

Example: Hartford Grocery is facing a debt lawsuit from a vendor, ABC Apples. ABC Apples alleges that the grocery store purchased $10,000 of produce but never paid the bill. Jack Hartford, the owner of Hartford Grocery, believes that he did repay ABC Apples, but unfortunately, he can’t prove it. Jack works with an attorney to arrange a settlement agreement with ABC Apples. He offers a one-time payment of $5,000 to settle the debt, which ABC Apples agrees to. After paying the bill, ABC Apples drops the legal claim.

Did Atradius Collections initiate a debt lawsuit against you? Use SoloSuit’s Debt Answer template to respond to its Complaint.

Try to resolve an Atradius Collections debt and avoid a lawsuit

If your company owes money to Atradius Collections, it’s best to try to fix the matter outside the courtroom. A debt lawsuit can embarrass your company and discourage other vendors from granting you credit. Instead, work with Atradius Collections to find a solution that works for both of you.

SoloSettle can help you settle your debt with Atradius Collections — try it today.

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