Frequently Asked Questions

Why does Fortunato S.A. contact me?

Fortunato S.A. deals with the investigation of challenging claims before the case gets referred to a court Pursuant to art. 509 § 1 of the civil code it is possible to transfer the debt to another entity on the basis of a transfer agreement. Thus, the new creditor assumes all the rights, including a claim for interest and securities which belonged to the vendor of the receivable. If as debtors you are receiving request for payment from our company, this means that currently we are your creditor.

Why is it worth to talk to us?

Cooperation with a debt collection company allows the debtor to reach a friendly solution of their debt. Our company strives to facilitate this, taking into account the circumstances of life and personal financial situation of each person. This is why we allow distribution of debt in installments. If you want to use this option, please fill in the form, which is located at the bottom of the page. What's more, proper cooperation will allow you to avoid the additional costs of legal proceedings and will prevent you from the entering in the register of debtors.

Why should I provide Fortunato S.A. with my personal details during our cooperation?

Personal data such as your name, date of birth and/or social security number, let us make sure that we are talking with the right person, the one that the case relates to. We make sure that the information we provide always finds its way to the right people, and the process of transformation is in line with the Law on Personal Data Protection.

How do I settle my debt?

For further information, please contact us by phone: 71 723 43 99. Payments must be made to the bank account number provided in the correspondence.

What happens when I don't pay?

The outstanding commitments, as well as the lack of contact with our company, will refer the case to the judicial proceedings, which will raise the height of the obligation to pay. Therefore, it is in the interest of both you and our company to resolve the matter amicably.

What is the amicable debt recovery?

Amicable debt recovery includes legal actions, the objective of which is to recover the amount due to the creditor, without involving court or bailiff in the credit management process.
It is aimed at an agreement between the debtor and creditor, regarding the conditions of repayment of the debt.

What is the judicial debt recovery?

Judicial debt recovery involves actions of the creditor to get a court-order for payment, or a judgment. Court-order or judgment, provided with an enforcement clause, is a document based on which the creditor may at any time address a request to the bailiff for the writ of execution.

It is used in a situation where the debtor and the creditor have not agreed on a schedule for repayment of the debt, or a previously agreed schedule is not executed.

What are the consequences of entering the BIG Debtors Register?

Information about the liabilities in the Bureau of Economic Information (BIG) results in the actual restriction of opportunities in the consumer market or business activities, even for 10 years.

The debtors whose data is placed in the registry, may face a lot of difficulties in the use of financial services (such as loans, instalment purchases, leasing), telecommunication services (e.g. subscription agreements with mobile operators, the agreement for the provision of Internet access service), renting, and any other contracts where the contractor shall examine the credit history of the consumer before the conclusion of the contract.
How long does it take for the debtor to be deleted from the registry? In the case of total repayment of the debt, the creditor is obliged to immediately remove the information passed to the BIG, not later than within 14 days from the date of receipt of payment. After the information about consumer's indebtedness is removed, these data are no longer stored by the BIG even for statistical purposes and are not shared with any parties.

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