Ultimate Guide to Intrum Justitia Debt Collectors

Receiving a letter demanding money from a business you haven’t heard from before can be a tough experience. Finances have always been a sensitive subject to talk about and moments like this are no different.

With all these questions hanging over your head, it can be tough to know where to turn. We will look at the many paths ahead of you and answer those burning questions. Who is Intrum Justitia? How will I afford to pay back this amount? What happens if I don’t give it back in time?

Take a look through our ultimate guide to Intrum Justitia to find the answers to your questions and who is out there to help. We will discuss the ins and outs of debt collection and how it will impact your life.

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Table of Content

1 Who are Intrum Justitia?
2 How do debt collection companies operate?
- 2.1 What legal powers does Intrum Justitia have?
3 How debt collection can destroy you
4 What should I do if Intrum Justitia send me a letter?
5 List of Debt Collection Agencies UK

Who are Intrum Justitia?

Intrum Justitia offers debt collection services for many businesses around the world. Intrum Justitia help with all types of services such as utilities, phone companies, or even a small one-man team.

Intrum Justitia has a history going back to 1898 and has 24 offices with a global network. Priding itself on having in-depth experience of debt collection in over 180 countries, Intrum Justitia helps companies focus on their own business whilst they manage payment that is due on their behalf.

Intrum is a debt collection agency that also offers to purchase debt at a percentage of what is owed. This means that Intrum may often get in touch with you to chase another businesses debt. They can do this on a companies behalf or they may purchase the debt and will chase the due credit independently.

Intrum manages to achieve this mostly through reminder letters and general contact. But Intrum knows the law to take a case through to court when necessary. So it always important to keep in touch with them, even if you believe it is not your debt.

Don’t Pay Intrum Justitia Until You Get Advice

We recommend getting help from an experienced debt advisor before you think about paying debt collectors like Intrum Justitia. Watch the video below to learn more about the advice you can get.

How can Intrum Justitia help with payment?

Intrum Justitia state that they are willing to work with all of their customers. If you are in a position where you can not clear the money immediately, then it is worth having this discussion with them.

Intrum may offer you the option of having a payment plan, this means you can give the money over an agreed length of time. This means that it is divided into digestible amounts which can take a terrifying figure become achievable.

Intrum can also point you in the right direction if this idea of a payment plan does not surface. They can for example signpost to such things as Individual Voluntary Arrangements and Bankruptcy. These can help debt go away but can have a long term effect on your future finances.

If you are stressed about the many options then there is always help and support for you.

What can Intrum Justitia do?

Intrum Justitia has many ways of getting the money that is owed. For instance, the first step that is always done by Intrum is to try and get in touch through letters and phone calls. This can feel quite intimidating but it is good to remember that this is only the start of what Intrum can do.

If Intrum does struggle to get the debt repaid then they can take further options. They may take the debt collection to the courts and take legal action. This can have a damaging effect on customers and can ruin chances of financial stability in the future.

If you do hear from Intrum Justitia it is always important to not ignore the issue. Get in touch with them and try and find advice and support through the situation.

What legal powers do they have?

When you receive a letter demanding money then you will want to understand what legal powers the collection agency has. If lost credit cannot be reclaimed through general debt reminders Intrum may take stronger steps, though this is never their main choice.

If all other options have been exhausted, then Intrum has the knowledge and experience to apply for County Court Judgements, instruct bailiffs or apply for a charging order.

Having a County Court Judgement can have a severe effect on your credit score and may prevent you from borrowing finances in the future.

A charging order can be attached to your home and will mean that when your house is sold in the future, the finances that come out of the sale will go straight to your debtors.

This can be quite stressful for yourself in the future and should be avoided where it can.

Is Intrum Justitia a legitimate company?

Intrum Justitia is a legitimate debt collection agency and has been around since 1898. Intrum collects debt in over 180 countries and has built up a respected reputation.

Intrum Justitia is registered and regulated in the UK and many other countries around the world.

You may not have heard of Intrum before, and there is a good reason for this. Intrum will not be the company that you owe a debt to, however, they will be managing that debt on behalf of another business.

If you have further doubts about how legitimate this company is then we would strongly recommend you take a look at their website. This is where you can find out more about what they do and further information about what they mean to you.

If you do receive a letter from Intrum Justitia then you should always get in touch with them and whatever you do, do not ignore it.

Why am I being contacted by a debt collection agency?

If you are being contacted by a debt collection agency like Intrum Justitia, then there is a chance that you owe a debt to another company. Companies that often utilise a debt collection agency are utility companies, a phone company or many others.

If you do not believe you are in any debt and you do not believe you need to make a payment, you must contact Intrum for further advice.

If you do not contact Intrum and the debt is not paid off, then Intrum will take further action against you. It is always best to not ignore a letter from a debt collection agency, even if it is not your debt.

How do debt collection companies operate?

There are many ways a debt collection company can operate to ensure they receive a payment from the customer in the least amount of time.

First, a debt collection company can offer to manage the debt on a companies behalf. This means chasing up people to encourage them to send money to the company sooner. The debt collector can monitor the debts and offer information to the company when necessary.

Alternatively, a debt collector can offer to purchase the debt from the company when it looks like the money is not collectable. The debt collector can purchase this at a percentage of the debt to offer immediate credit compensation back to the original creditor.

What legal powers does Intrum Justitia have?

Debt collecting agencies like Intrum Justitia will always try and avoid using the legal route whenever they can. It is important to understand that this option is only used when all avenues to receiving the money paid from the customer have been exhausted.

Intrum can apply for a County Court Judgement to enforce the payment of the debt. This means that rather than just chasing the debt, there is a level of enforcement that gives consequences if no money is paid.

A debt collection agency can also apply for a charging order which can attach the debt to assets such as your home. This means that when you decide to sell your home, the debts will be taken out of the finances gained from the sale.

This is a very stressful event that often will raise its head many years after the debts have left your mind. This can cause a lot of stress in the future, that can be avoided by having those difficult conversations right now.

How debt collection can destroy you

Debt collection sounds scary and there are many horror stories across the internet in regards to negative cases. If you or someone you know is dealing with debt issues then you may be curious as to what can happen.

It is important to point out those debt collection agencies are willing to work with customers on reducing their amount of debt. They will often offer the customer the opportunity to set up an affordable plan to reduce the debt.

However, if you have received a letter and you are avoiding any payment of the debt, then you can find yourself in a sticky situation. Once a debt collection agency has made a reasonable effort to collect the credit due, they can seek further advice from a court.

This can end in things such as a country court judgement or a charging order. These will attach themselves to your house, finances and can seriously damage your credit score.

A damaged credit score can get in the way of purchasing products in the future and can prevent you from securing credit.

What should I do if Intrum Justitia send me a letter?

If you get a letter informing you of debts from Intrum then you must read it carefully. You may be wondering who these people are and why you owe money to a company you have never heard of. You can check their website for more information on why they manage other companies debts and who they really are.

You need to evaluate if the amount in the letter is your debt to pay back. If this is not your payment to make then you will need to inform the collection agency there is an error in the letter as soon as possible.

However, if you know that you are the one they are after then it is time to respond to the letter and get back to Intrum. Intrum will be able to give you the best advice and information to help you out. They will not expect the full payment straight away and can set up a payment plan with you.

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Receiving a letter from Intrum can make people feel quite stressed but you don’t need to think in this way. Intrum can offer information to help you can get back on track and soon your debt will be paid in full.

If you can pay

If you can pay the money back then our advice would be to do this within good time. As soon as the debt collectors get paid they will no longer be chasing you.

You can easily call the team over the phone and make a payment there and then. Paying in full like this you will have avoided being chased by the collections agency and further action in a court.

The best advice we can give is that if you know you could pay the amount in time, then this should always be done.

If you can provide money to clear the complete debt but it will put a struggle on your finances then open this discussion with the collection agency. You will often be allowed to split the payments over some time which will ease the pressure on your finances.

Remember that many people are willing to give you the right advice and information.

If you can pay, but don’t want to

If you have received a letter and you have the money to write the debt off, but you don’t want to then you are given a choice on what to do. However, it is wise to understand the consequences that can come from your actions.

If the reason you don’t want to pay is that you don’t want to give so much money in one go, you could set up a payment plan that allows you to pay it at a rate that allows you to do it in your own time.

Collection agencies are used to creating affordable payment plans for people who are struggling with their finances.

If you choose to ignore that advice and would rather not pay your debt then you could end up in court. The court will decide who needs to give the money back and at what rate. This will then be out of your control and in the hands of the court.

If you can pay the debt then it will be in your interest to clear the debt as soon as possible. This means that you will remain in control of the debt and will not be put in the hands of a court judge who will sometimes not have your best interest at heart.

If you can’t pay

If you have received a letter but you are not in a positive financial situation then Intrum has services that can help you.

When you contact Intrum using the number on the letters you received, the team will take you through your financial situation and work out what payment you can provide. If you cannot make any commitment then the debt collecting agency could ask you to provide proof of your financial situation.

If you think you do not have enough money to even give a small amount, Intrum can offer some alternatives such as writing off your debt or debt improvement plans.

Get help with debt collection today

If you have received letters that state you have debts that need to be repaid then the best thing is not to worry. If you have debts and need some advice then you can easily find support.

Firstly you will want to ring the number on the letter and have a conversation with a helpful member of the team. They are very experienced and will deal with your case with great sensitivity. They can take you through all the options that are available to you.

Options can vary from entering arrangements to deal with the debts or they may consider filing you for bankruptcy. However, it does not always need to be this dramatic. There is a chance that the debtor that you owe credit to will write off the owed balance.

Do not hesitate and make sure that you get in touch and source some support straight away. This issue will not go away and will only grow worse if it is ignored.

Make sure you do owe money to Intrum Justitia

When the letters arrive you should always check that it is you that owes the money to Intrum. By sending a “prove the debt” letter you can ask the debt collection agency to show that you still owe the amount.

The debt might already have been paid or there is a chance they have tried to contact the wrong person. When these letters arrive you should go through the letters carefully and ensure it is meant for you.

When a debt collector has a debt that they are trying to claim, they sometimes contact a few people to try and find the right person. There is always the chance that the letter was not meant for you and you potentially could disregard it.

If the debt does not sound correct then it is good to know that there is a chance it isn’t correct. Ensure that all debts are proven before you start to give the money back.

Write off your debt

If you have been asked to contact a debt collecting agency in regards to debt that you cannot provide for then there are other options.

When the debt is out of control it can quite easily end in a court battle and you will be forced to give back the money in a Country Court Judgement payment. Before this, you should first consider the option of writing off your debt.

You can provide your debtors with a letter asking for them to write the debt off. You can use templates that can be found online.

If you are struggling to use the templates then there are many companies out there that you can use. They can offer you advice and some will offer to write off your debt on your behalf.

Speak to a debt advice company

If this article has not given you the advice that you needed then you can speak to a debt advice company. These companies can take you step-by-step through what may feel like some difficult days.

It is always important to remember that you are not alone and that there are many people out there that can support you and help you through a difficult period.

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Some companies may offer you general advice to reduce the debt and support you to the right path forward. Some companies may talk you through other actions you can use to reduce the debt. This sometimes involves things such as an IVA agreement or filing for bankruptcy.

It is best that you do not ignore this issue and you contact the collection agency as soon as you can. It is normal to feel anxious about debts but do not let that be in your way. Debts that are ignored will only grow worse in time.

There are many services out there that can support you through these difficult days.

List of Debt Collection Agencies UK

Here is a list of all the debt collectors in the UK.