Recover overdue insured debt before it becomes a claim
Rezolva provides specialist credit insurance debt collection and commercial debt recovery support for brokers, underwriters and policyholders. We intervene early, pursue payment professionally and keep every stakeholder informed.
The aim is practical: recover cash while the customer is still trading, reduce avoidable pressure on the claims process and protect the commercial relationships behind the policy.
Credit insurance debt collection that supports the whole policy relationship
Rezolva works alongside the existing broker, insurer and policyholder relationship. Each party gets the information it needs without turning a recoverable overdue account into an unnecessarily adversarial process.
For brokers
Add a practical recovery service to the client proposition and help policyholders act earlier when an invoice or account becomes overdue.
- Strengthen client service and retention
- Reduce time spent chasing recovery updates
- Give clients a clear route from late payment to professional recovery
For underwriters
Early, well-documented recovery can reduce potential claims exposure and improve the quality of information available if a claim later becomes necessary.
- Earlier action on solvent overdue customers
- Consistent case records and progress updates
- A controlled route to legal review where appropriate
For policyholders
Recover overdue business debt without immediately sacrificing a valuable customer relationship or losing visibility once the account is referred.
- Professional communication with the customer
- Clear case visibility through Rezolva Connect
- No collection, no commission for agreed amicable recovery
A clear credit insurance recovery process
The earlier an overdue account is reviewed, the more options usually remain available. Rezolva creates a documented, commercially aware process from referral to resolution.
Refer the overdue account
The broker, underwriter or policyholder provides the debtor details, balance, invoices or statement and relevant payment history.
Review the position
We assess the information provided, identify disputes or vulnerabilities and agree the appropriate recovery approach before debtor contact.
Begin professional recovery
Our team contacts the customer firmly and constructively, seeking payment or a credible resolution while protecting the policyholder relationship where possible.
Report the outcome and next step
Stakeholders receive clear progress information. If amicable recovery does not resolve the debt, any legal or specialist action is considered separately and authorised before costs are incurred.
Late payment is easier to address before communication breaks down
Waiting until a debt is close to a claim can mean older evidence, weaker engagement and fewer commercial options. Early credit insurance debt recovery gives the customer a structured opportunity to pay, explain a genuine dispute or propose a workable resolution.
It also creates a clearer record of contact and outcome if the account later needs to move into a formal claim or legal debt recovery process.
Assess an overdue business debt →Four principles shape every recovery
These are not slogans added after the event. They guide how we communicate, make decisions and measure a successful outcome.
Resolution
Our goal is to resolve, not to inflame. We focus on amicable, pre-legal solutions that achieve payment while avoiding unnecessary conflict. For us, success means finding outcomes that work for everyone involved.
Relationships
We know that today’s debtor could be tomorrow’s customer. That’s why we prioritise communication and respect, safeguarding your reputation and your commercial connections. Protecting relationships is at the heart of everything we do.
Respect
We do things the right way. Every case we handle is approached with honesty, fairness, and full compliance. Our clients trust us to act professionally at all times, and we honour that trust by being transparent in our actions, our fees, and our results.
Results
At the end of the day, you need outcomes. Our processes are designed to deliver swift, measurable results without compromising on integrity or relationships. We don’t just aim for recovery, we aim for recovery done right.
Questions brokers, insurers and policyholders ask
What is credit insurance debt collection?
Credit insurance debt collection is the recovery of an overdue trade debt connected with a credit-insured transaction. It can take place before a claim, during the claims process or after an insurer has paid a claim, depending on the policy terms and the instructions given.
When should an insured debt be referred for recovery?
Referral should be considered when an invoice or account has passed its agreed due date and ordinary reminders are not producing payment or resolving a genuine dispute. Policyholders should also follow the notification and referral timescales in their credit insurance policy.
Can Rezolva work on a debt before a credit insurance claim?
Yes, where the relevant parties authorise early recovery. This can give a solvent customer a final structured opportunity to resolve the account and may reduce the likelihood of the debt progressing to a claim. It does not change the policyholder's obligations under the policy.
Does instructing Rezolva guarantee that a claim will be avoided?
No. Recovery depends on the debtor's circumstances, the evidence and the commercial position. Early intervention can improve the available options, but no responsible recovery provider can guarantee payment or the avoidance of a claim.
What happens if legal debt recovery becomes necessary?
Legal action is considered separately from amicable collection. The available evidence, debtor position, likely cost and commercial objective should be reviewed before a Letter Before Action, court claim or enforcement step is authorised.
Can Rezolva recover international credit-insured debts?
Rezolva can coordinate international commercial debt recovery through its network. Local agent, legal and third-party costs can vary by country and are explained before chargeable action is authorised.
Talk to Rezolva about a credit insurance partnership
Whether you are a broker, underwriter or policyholder, we can discuss a practical referral process that gives overdue accounts an earlier route to professional recovery.