OUR SERVICES

NIVI CREDIT S.r.l. is a credit management and debt collection company specialized in the following services:

• Services for the collection of consumption rates, rental rates and invoices due to services and transfer of goods;
• Printing and sending of invoices, notices of payment and expiry notices;
• Credit management and debt collection services;
• Front-line services concerning credit management and debt collection in Italy and abroad;
• Legal assistance regarding the activity of management and debt collection in Italy and in Europe;
• DOCUBANK ® division of Nivi Credit optical data storage ;
• EMO ® division of Nivi Credit for services in outsourcing for public administration.

WHERE AND HOW WE WORK

NIVI CREDIT S.r.l. works:

ON BEHALF OF CREDITORS. This activity is made in the extra-judicial phase with traditional methods (sending of reminders, placing in default, Phone - Collection etc.) and in the most difficult situations we have recourse to entitled external collectors.

AS SPECIAL ATTORNEYS. This activity is made both in the extra-judicial and in the judicial phase. As regards the judicial activity we have recourse to skilled lawyer's offices placed in the most important Italian towns. In Europe we make use of legal offices that have an agreement with us in Germany, Austria and Switzerland.

PRINCIPLE CODE OF CONDUCT OF THE COMPANY

We charge to the debtor the compensation of the costs derived from the collection of his/her debt (greater damage for the creditor) according to limits of equity and if the debtor does not prove that the creditor is the responsible person for the non-payment.
Such costs, which are required in the name and on behalf of creditors, are the following:

• business management cost which includes the following:
  • repayment of postal charges;
  • Repayment of enquiry costs concerning:
    • Enquiries at the Office of Motor Vehicles;
    • Research of personal data at the municipality of residence;
    • Certificates of registration at the Chamber of Commerce;
    • Certificates at the Court.
  • Staff costs;
  • Issuing and sending of the invoice concerning collection costs paid by the debtor;
  • Payment registration and debt cancellation;
• enforcement according to law of:
  • V.A.T.: the cost for the collection activity is subjected to this tax.
  • Legal interests or interests on arrears (when provided for).

The collection costs, which correspond to principles of transparency and equity, are always shown as a whole with a specific item.