The collection fees are to fall in future, especially for debtors of small amounts. The Bundestag decided on a corresponding reform with the votes of the CDU / CSU and SPD coalition groups. The changes do not go far enough for the opposition.
The Bundestag has decided to reform the collection fees. The coalition factions of the CDU / CSU and SPD in the Bundestag voted for a corresponding bill by the federal government to improve consumer protection in debt collection law. AfD, FDP, Left and Greens voted against. The opposition criticizes that the changes do not go far enough.
From the point of view of the Union and the SPD, the new regulation is primarily intended to prevent the collection fees for smaller claims from being higher than the amounts required, as is currently often the case. In the case of low claims of up to 50 euros, the collection costs that debtors have to pay additionally should not be higher than the claim itself.
More information for debtors
According to the ruling, debt collection service providers will in future have to inform debtors at the first contact, among other things, on whose behalf they are acting, which contract is involved and which costs could arise in the event of default.
In addition, creditors who hire both lawyers and debt collection agencies may only reclaim the costs for this up to the amount that would have arisen if only one lawyer had been hired. So you are no longer allowed to account for both. The prerequisite for this is: the debtor was still disputing the claim when a debt collection service provider was already involved – and the lawyer was only then involved.
At the same time, from the point of view of the coalition groups, it should continue to be ensured that collection services remain economical for companies in the sector. According to the Federal Association of German Collection Companies, they return around six billion euros in liquidity to the economy every year and process more than 20 million receivables.