When someone owes you money, you have two roads: claim it through the courts or sell the debt to an investor. The choice is not only legal, it is financial.
Time has a price
A claim can drag on for months or years. During that time the money does nothing for you: you cannot reinvest it, pay suppliers or reduce your own debt. That is the opportunity cost.
The risk of not collecting
Winning a case does not mean getting paid. If the debtor is insolvent or disappears, the ruling can be worthless. By selling the debt you transfer that risk to the buyer and receive certain money today.
- Wait for court: potentially more money, but with years of waiting, costs and risk.
- Sell the debt: a smaller amount, but immediate, hassle-free and risk-free.
What suits you?
If you need cash now, if the debtor is hard to collect from, or if you would rather move on, selling usually pays off. List the debt, compare offers and decide with the numbers in front of you.
Have an unpaid invoice or debt? List it on Debtalia and receive offers from investors. Sign up in 5 minutes, with no commission on the sale.
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