Have you received mail from us?
Late payments do happen. If so, we'll be there to help you every step of the way.
There are many reasons why someone might not pay their bill on time. Sometimes it's just a forgotten bill, sometimes it's something worse. We know that people have different amounts of money and that the topic of debt varies widely.
That's why we'll help you find a sustainable solution, no matter what caused the problem.
We respect every situation and try to understand it. Our values are the guide to help you pay off your debts and take back control of your life.
We are happy to support you. Check online how much you can repay. We will help you find a solution.
appreciating
Our communication is always respectful and transparent. We work in a solution-oriented manner that respects both our clients and our customers.
efficient
We work with state-of-the-art technologies and processes for digital and fast solutions in payment management.Clear, transparent processes for mandates and customers.
smart
Our unique PAY SMART method is based on the best of respectful human intelligence and artificial intelligence.
What our clients say about us
Super nice and you don't feel as bad as with other debt collection agencies. Human and helpful.
Respectful interaction. Helpful and considerate in case of illness.
We found a solution together on several occasions and created an installment plan. Simple and uncomplicated.
Frequently Asked Questions
We were commissioned by our client to claim an outstanding invoice that has not yet been paid. Our job is to find a mutually acceptable solution with you.
Contact us as soon as possible. We offer flexible solutions such as installment payments or payment extensions. Together we will find a suitable solution.
Yes, debt collection services are regulated by law in Switzerland, according to Art. 106 Para. 1 in conjunction with Art. 103 of the Swiss Code of Obligations. Our procedures comply with Swiss regulations and are carried out fairly and transparently.
If an invoice has not been paid by the agreed date and the company's reminder has not been responded to, the company can commission PAY SMART.
As a creditor, the company is entitled to compensation, including costs incurred in the debt collection process.
The invoiced debt collection costs are based on generally accepted cost rates determined by the largest Swiss debt collection association, Inkasso Suisse, based on years of experience. The debt collection association sets the amount of the debt collection costs based on empirically collected and scientifically verified figures from comparable cases.
Therefore, not only the outstanding amount but also additional costs, such as the costs of commissioning PAY SMART or court fees, must be paid.
Payment should be made directly to PAY SMART as the creditor has handed over the claim to us. Please check our payment information on the letter.
If no payment or contact is made, the creditor may initiate debt collection proceedings, which may result in additional costs and legal consequences.
Yes, if you believe the claim is unjustified, you can submit a written objection and provide appropriate evidence.
You can pay by bank transfer, credit card, PayPal, Twint, or other common payment methods. Details can be found in our letter and on our PAY SMART online portal. Your login details can be found on our letter.