Generated by All in One SEO Pro v5.0.1.1, this is an llms-full.txt file, used by LLMs to index the site. # Debt Register ## Posts ### [Proud to be headline sponsors at the CICM British Credit Awards 2025!](https://debtregister.com/proud-to-be-headline-sponsors-at-the-cicm-british-credit-awards-2025/) **Published:** December 10, 2024 **Author:** Michael Skipsey **Excerpt:** Debt Register celebrates its headline sponsorship of the CICM British Credit Awards, strengthening connections with credit professionals shaping the future. **Content:** Debt Register is thrilled to once again be the headline sponsor of the CICM British Credit Awards! We look forward to celebrating and connecting with talented professionals shaping the future of the credit industry. This standout event is a key highlight in the credit management calendar, bringing together industry leaders to share insights, foster connections, and recognise outstanding achievements. As the credit industry embraces transformative changes driven by AI, automation, and innovation, events like this provide a valuable platform to explore emerging trends and inspire new approaches to success. At Debt Register, we are proud to be at the forefront of this transformation, empowering global leaders to maximise and automate their B2B cash collections. Our proven SaaS platform supports some of the world’s largest companies, including Johnson Controls, and Thermo Fisher Scientific, simplifying overdue debt recovery, delivering millions in cost savings, and driving cash flow—all with no upfront costs, no outsourcing, and the ability to go live in as little as one hour. As we come together to celebrate the achievements of so many within the credit industry, we’d like to extend our heartfelt congratulations and best wishes to all the nominees. Your innovation and dedication are what drive this industry forward and make events like this so meaningful. Join us for this remarkable evening of celebration, fresh perspectives, and innovation. Let’s shape the future of credit management together—and make it a night to remember! Stay tuned for more updates as we count down to the [British Credit Awards 2025](https://www.cicmbritishcreditawards.com/cicmawards2025/en/page/home). We can’t wait to see you there! ## Stay Connected For the latest updates, industry insights, and a closer look at our company culture, follow us on[ LinkedIn](https://www.linkedin.com/company/debt-register/) and[ X](https://x.com/DebtRegister). If you have any questions or feedback, we’d love to hear from you through our Contact Us page. Thank you for taking the time to learn more about what makes Debt Register unique. We look forward to sharing our journey with you! **Categories:** Company Updates --- ### [Johnson Controls Case Study: Improved AR Collections +$17M, Cut Costs $1.8M (Fortune 500)](https://debtregister.com/johnson-controls-case-study-streamlining-global-receivables-for-a-fortune-500-industry-leader/) **Published:** December 12, 2024 **Author:** Michael Skipsey **Excerpt:** Johnson Controls used Debt Register to modernize global receivables—improving engagement, scaling outreach, and increasing collections from 20% to 27% while saving $1.8M annually. Combined with DCAs, total collections reached 36% (+$17M). **Content:** ## About Johnson Controls ![](https://debtregister.com/wp-content/uploads/2024/12/Johnson-Controls-logo-1024x471.png) Johnson Controls is a Fortune 500 leader in building technology with **more than $25B in annual revenue**. It delivers solutions across **HVAC**, fire protection, security, and sustainability—helping organizations operate safer, more energy-efficient buildings worldwide. With operations in **150+ countries** and approximately **100,000 invoices processed each month**, Johnson Controls runs AR at massive scale. The company supports both **B2B and B2C** customers and maintains a strong footprint across the **United States**, making speed, accuracy, and consistency in collections essential. ![](https://debtregister.com/wp-content/uploads/2024/12/JCs-3-1.png)## Johnson Controls’ Objectives Johnson Controls wanted to strengthen its **credit and collections** operation to improve cash flow and accelerate payment timelines. Key goals included: - Ensuring the solution could scale globally and integrate cleanly with existing systems - Reducing overdue invoices and improving **accounts receivable (AR) collections** - Streamlining day-to-day AR workflows for a high-volume portfolio - Equipping credit teams with better tools to drive faster, more consistent payment outcomes ## Johnson Controls’ Challenges Before Debt Register, the team faced common AR friction points that slowed collections: - Customers often didn’t respond to traditional collection letters and email follow-ups - Limited visibility into whether messages reached the right contact—or were opened at all - High account volume across B2B and B2C added complexity and inconsistent outcomes - Manual record updates and dispute tracking created delays and operational drag ## Our Solution Debt Register helped Johnson Controls modernize AR outreach and improve collections performance with a scalable workflow: - **Cloud-based platform** supporting bulk uploads to save time and reduce manual work - **Real-time engagement tracking** (email opens/reads) to improve follow-up precision - Automated alerts highlighting potential **credit-rating impact**, boosting responsiveness - Reporting and analytics to support better prioritization and decision-making - Fast onboarding and training to drive adoption across the organization ![](https://debtregister.com/wp-content/uploads/2024/12/JCs-4.png)## The Results Since implementing Debt Register, Johnson Controls achieved measurable improvements in collections and cost efficiency: - **Before Debt Register:** 20% collection rate, costing **$3.6M annually** - **With Debt Register:** collection rate increased to **27%**, saving **$1.8M annually** - **Combined (Debt Register + DCAs):** total collection rate rose to **36%**, increasing overall collections by **$17M** > [Angelica Bontea](https://www.linkedin.com/in/angelica-bontea), Senior Finance Manager at Johnson Controls, shared her experience: > > “*Debt Register is an incredibly flexible and fast tool that delivers results. It allows us to collect cash more effectively, saving time and reducing frustrations. The team appreciates its ease of use and the immediate impact it has on our collections process*.“ > [Mauricio Mustre](https://www.linkedin.com/in/mauricio-mustre-2b1b49191), Global OTC Manager for Late Collections and Risk Management at Johnson Controls: > > “*One of our main concerns before adopting Debt Register was if we were going to see a drop in the success rate. But quite the contrary. I think the success rate is very similar, in some cases, even higher success rate than the previous vendor we were using.*“ ## CRF : Fast-Track Collections Webinar **Presented by Debt Register and the Credit Research Foundation (CRF)** Debt Register Founder **Gary Brown** and board member and advisor **Chris Caparon** are joined by **Mauricio Mustre**, the **Global OTC Manager for Late Collections at Johnson Controls**. Mauricio oversees the optimization of Johnson Controls’ worldwide late-stage collections processes, ensuring efficiency, stronger performance, and improved decision-making across the organization’s AR operations. ## **About the Credit Research Foundation (CRF)** The Credit Research Foundation is a leading resource for education, benchmarking, and best practices for credit and finance professionals. *Find out more about the [Credit Research Foundation](https://www.crfonline.org/education/webinars/).* **Categories:** Case Studies --- ### [Sunbelt Rentals Case Study: 66% Recovery Success and $4.78M in Estimated Annual Savings](https://debtregister.com/sunbelt-rentals-case-study-66-recovery-success-and-4-78m-in-estimated-annual-savings/) **Published:** February 12, 2026 **Author:** Michael Skipsey **Content:** ## **About Sunbelt Rentals** ![Sunbelt Rentals logo](https://debtregister.com/wp-content/uploads/2025/12/image.png)Sunbelt Rentals is a leading global provider of equipment and tool rentals, serving construction, industrial, and facilities-management customers through a vast network of branches across the US. **With a turnover exceeding $10 billion**, and fleet of millions of assets and rapid-response service, Sunbelt supports critical infrastructure and large-scale commercial projects every day. ## **Sunbelt Rentals’ Objectives** Before implementing Debt Register, Sunbelt Rentals faced several U.S.-focused credit-control and collections challenges: - High levels of overdue A/R, with teams falling behind on routine account reviews and follow-ups. - Heavy reliance on third-party collection agencies, often taking fees of up to ~33% of amounts recovered. - Slow escalation timelines, with accounts aging too long before moving to formal action. - Ineffective internal workflows and communications, which weren’t consistently driving timely customer payment or response. ## **Our Solution** Debt Register helped Sunbelt Rentals modernize AR outreach and improve collections performance with a scalable workflow: - Cloud-based platform supporting bulk uploads to save time and reduce manual work - Real-time engagement tracking (email opens/reads) to improve follow-up precision - Automated alerts highlighting potential credit-rating impact, boosting responsiveness - Reporting and analytics to support better prioritization and decision-making - Fast onboarding and training to drive adoption across the organization ![](https://debtregister.com/wp-content/uploads/2025/12/image-1.png)## **The Results** **Since integrating Debt Register, Sunbelt Rentals has achieved the following:** - Recovered debts ranging from **$2.84** up to **$1,655,393.84** (highest single recovery) - Collected on balances as old as **898 days** - Achieved a **66% success rate** - Delivered **$4.78M** in **estimated annual savings** [Ronald Matley](https://www.linkedin.com/in/ronald-matley-89825317/), Director of Credit Services at Sunbelt Rentals, shared his experience: > “Any account that was paid using Debt Register was paid quicker and at much lower cost than we would have come by sending it to an agency. > > We were not sure what to expect when we gave Debt Register a try. I would say it’s (Debt Register’s free trial) a great way to see whether it works for them.” **Categories:** Case Studies --- ### [The Escalation Challenge: Timing Overdue Debt Escalation Right](https://debtregister.com/the-escalation-challenge-why-escalating-overdue-accounts-too-early-or-too-late-can-reduce-performance/) **Published:** July 29, 2025 **Author:** Michael Skipsey **Excerpt:** Why escalating overdue accounts too early or too late can hurt recoveries. Learn best practices to optimise timing for third-party collections. **Content:** Collections teams face significant challenges when it comes to escalating overdue debt to a third-party agency. As drivers of profitability, the decision to escalate is high stakes. In addition to considering recovery budgets and financial trade-offs (third-party escalation is expensive), collectors also have to get the timing just right. Escalating too early can be cost prohibitive and handing over full control to a third-party also can risk damaging hard-earned customer loyalty and trust. Holding on to the debt for too long is also a problem — as debt ages, recovery rates decrease. Escalating too early often occurs when teams run out of internal strategies. Without effective alternatives and a constant wave of new overdue accounts coming through the door, they are forced to turn to third-party agencies as a last resort. While these agencies may deliver results, they are also a blunt instrument that: - Dilute brand equity by treating customers as cold cases - Increase time-to-action due to extensive onboarding, complicated file transfer protocol, etc. - Charge high commission rates that eat into tightly managed budgets - Take full control, limiting your visibility and ability to intervene if needed - Delay transfer of recovered debt in order to earn float, impeding cash flow On the other hand, waiting too long to escalate debt to a third-party can be equally damaging. It’s common knowledge in account recovery that the longer an overdue account remains outstanding, the lower the chances of recovery. These are the critical gaps that Leverage-as-a-Service (LaaS)TM collections platforms fill. LaaS-based solutions offer enterprise collections teams a smarter, cost-efficient way to apply third-party pressure before turning to third-party agencies. Throughout the rest of this article, we’ll explore how LaaS’s consequence-driven approach optimizes timing and eliminates budget as an escalation constraint. We will also introduce the dual-stage recovery approach that combines a LaaS-based solution with the traditional escalation methods to drive a measurable increase to recovery rates. ## **Exploring LaaS and Its Timely, Consequence-driven Approach** Third-party involvement increases customer response and engagement by about 30%. LaaS-based solutions offer collections teams a highly cost-effective way to apply third-party pressure earlier in the escalation process. Debt Register’s customers are saving 50% on agency costs. Here’s how LaaS it works: 1. Upload a spreadsheet of accounts to the platform. Debt Register’s easy-to-use solution makes it especially simple to do this. By eliminating complicated onboarding and file format requirements, onboarding and getting started happens in less than 1 hour. 2. Ensure high deliverability and engagement rates by verifying and enriching debtor contact data. Debt Register leverages a proprietary database of 100 billion records to ensure the most up-to-date, accurate information is used. 3. Allow the third-party LaaS provider to send notifications with a clear and meaningful consequence for the business if the debtor does not act within the stipulated period. With Debt Register, the repayment window is seven days and accounts that do not comply are reported to global credit agencies. Since debtors know that this move can impact their overall credit standing and not just their relationship with one supplier, it pushes them to make payments faster. 4. Track customer engagement and repayments in real-time through the LaaS platform. ## **Knowing When to Escalate Collections** Timing is everything in collections. Credit professionals typically recognize when an account is no longer responding to internal efforts—when reminders are ignored, and momentum is lost. While every case is different, one principle holds true: the sooner you act, the better the outcome. Rather than waiting until the situation worsens or outsourcing to a costly third-party agency, this is the ideal moment to introduce a Leverage-as-a-Service (LaaS) solution. It applies subtle but firm third-party pressure that re-engages customers without damaging relationships. The result? Faster recoveries, higher success rates, and fewer accounts needing traditional escalation. ## **The dual-stage approach to account recovery** LaaS collections solutions are not designed to replace third-party agencies; they should be used in combination with traditional escalation methods in an approach known as the dual-stage approach. A dual-stage collections model combines the soft touch of Leverage-as-a-Service (LaaS) with the pressure from traditional third-party agencies to maximize recovery rates. By using LaaS as the initial escalation step, companies can introduce a third-party earlier in the process, limiting agency involvement is reserved for the hardest-to-collect accounts. This smarter sequencing has a measurable impact. According to data from Debt Register, the industry’s leading LaaS provider, companies using this dual-stage approach consistently outperform those that rely on only third-party agencies while also saving money. For example, global building technology leader Johnson Controls reduced third-party escalations by over 53% and cut annual costs by nearly $2 million using this model. At the same time, they increased their net recovery rates by 180%, contributing an additional $14 million in profit by recovering debts that would have historically been written off. The dual-stage approach is a strategic way to close the gap between internal collections and traditional escalation, and the industry-leading advocate for this approach, Debt Register, is already disrupting the accounts receivable landscape. ## **Experience Debt Register today** Debt Register’s LaaS solution allows collections teams to collect more overdue payments internally, limiting the dependence on external third parties, while maintaining customer control and visibility. Book [a demo today](https://debtregister.com/book-a-demo/) and find out how you can collect 100 debts completely free of charge using Debt Register. **Categories:** Company Updates --- ### [Healthcare businesses fight for overdue cash](https://debtregister.com/healthcare-businesses-fight-for-overdue-cash/) **Published:** January 19, 2022 **Author:** Michael Skipsey **Excerpt:** Healthcare finance teams spend far more time chasing overdue invoices than other sectors. Explore the causes, risks, and cash-flow impact in the UK, today! **Content:** Accounts departments in the healthcare sector are spending twice as much time as their counterparts in the service sector chasing debts – proof that the fight for cash in some of the most hard-pressed sectors of society is now fully underway. In a survey conducted by Debt Register, a new digital payment platform, 80% of firms surveyed in the healthcare sector, from drugs companies to care providers, were devoting 51% or more time on the phone or emailing to get money that was rightfully theirs to collect. The most ‘efficient’ appear to be those in the Services sector (accountants, consultancies etc) where 43% spent less than 50% of their time on overdues, and of those, almost a quarter (23%) spent anything between 0 – 25% chasing the cash. Perhaps not surprisingly, businesses in the energy sector also appear less troubled; 60% spent less than 50% of their time on overdues. When all businesses were taken into account, almost a third (32%) spend up to three-quarters (between 51% – 75%) of their time chasing late payments and almost a quarter (24%) spent even more (76%+). But while the figures show the extent of UK business’ cashflow concerns, some commentators are worried that chasing the cash is taking accounts teams and business owners away from other tasks that are vital to business growth. Businesses should be following up on invoices before they are due, and not when they are already late. There are several tools out there that can deal quickly with overdues and free the credit manager to steer their companies towards businesses that they should be trading with, and away from those who present a greater risk. And it’s not just me saying it. Philip King, former interim Small Business Commissioner and Industry Champion, agrees. He says: “Of course businesses need to keep the cash flowing, but if we are to grow our way out of recession they need also to be focused on the next sales opportunity, and not bogged down on tasks that can be easily automated.” The survey was undertaken in the context of new technologies and platforms now being available that can automate the overdue payment process, dramatically improving cashflow without tying up a team’s time or having to resort to expensive (and often unproductive) legal action. Debt Register is, first and foremost, a global payment accelerator that enables a credit manager to identify late invoices on their ledger and allow the platform to do the rest. Debt Register contacts the debtor automatically and in the appropriate language, requesting that the payment is settled, and ensuring the invoice is correct and not in dispute. In trials, the purpose-built digital platform can resolve debts anything up to 10 times faster than traditional legal action, and for a fraction of the cost. By leveraging its relationships with leading credit reference agencies (CRAs) to report unpaid and overdue debts, debtors are encouraged to settle any overdues promptly to avoid their credit scores being negatively impacted. Debt Register is available globally and designed to suit any business regardless of industry. **For more information or to set up a free demonstration, please visit: [Debt Register](https://debtregister.com/)** By Gary Brown, Founder of Debt Register. \[This article first appeared in 2022 via [Newbusiness.co.uk](https://www.newbusiness.co.uk/articles/banking-finance/healthcare-businesses-fight-overdue-cash)\] **Categories:** Company Updates --- ### [New digital global business collection platform launches](https://debtregister.com/new-digital-global-business-collection-platform-launches/) **Published:** September 3, 2021 **Author:** Michael Skipsey **Excerpt:** Debt Register launches a new global digital collections platform to help businesses get paid faster, tackle late payments, and improve accounts receivable. **Content:** A new start-up fintech launched by a former credit industry professional aims to get businesses paid within seven days, in an attempt to address late payments. Debt Register has developed a purpose-built digital platform to resolve debts anything up to 10 times faster than traditional legal action, and for a fraction of the cost. Two years in the making, the new business sought a digitised solution to the growing problem of late payment which often leads to unnecessary write-offs or costly legal action (but only when the debt is of sufficient value) with little likelihood of success. Launched with little initial fanfare, Debt Register is already filling a gap in the market, as evidenced by the client base already using the tool including software giant Zendesk, US healthcare distributor Henry Schein and global network infrastructure provider CommScope. The company says that Debt Register is, first and foremost, a global payment accelerator that enables a Credit Manager to identify late invoices on their ledger and the platform does the rest. Debt Register contacts the debtor automatically and in the appropriate language, requesting that the payment is settled, and ensuring the invoice is correct and not in dispute. The system leverages its relationships with leading credit reference agencies (CRAs) to report unpaid and overdue debts, debtors are encouraged to settle any overdues promptly to avoid their credit scores being negatively impacted. The age of the debt appears not to be a barrier to its collectability: in one trial with an international client, payment was received for a 890-day old debt within just 27 hours; in another trial with a different client, 99% of all debts were settled within the trial period. Gary Brown, Founder of Debt Register, said the product and platform were created out of necessity within the industry: “Credit Managers are cashflow management experts, but overdues continue to be an issue regardless of skill and experience. Whereas some resort to the courts, legal action is time-consuming and costly, and outcomes are difficult to predict.” “Debt Register not only accelerates the payment of outstanding invoices, but also avoids the unpleasantness of legal action and brings greater certainty and predictability to a credit manager’s cash flow.” “Debt Register is designed to drastically improve payment performance and relieve the pressure on busy credit management teams, allowing them to focus the most important aspect of business, securing future income.” “It’s a very clever system that recognises a debt in Dubai, for example, and will not, therefore, send any correspondence on a Friday which is not a working day.” \[This article first appeared via [Credit-connect.co.uk](https://www.credit-connect.co.uk/news/commercial-credit-management/new-digital-global-business-collections-platform-launches/) in September 2021\] **Categories:** Company Updates --- ### [OnTheMarket Case Study: 90% Payment Compliance and ROI in the First Cycle](https://debtregister.com/onthemarket/) **Published:** December 3, 2024 **Author:** Michael Skipsey **Excerpt:** OnTheMarket replaced manual, negotiation-heavy collections with a streamlined debtor management process inside Debt Register. The team achieved ROI in the first implementation cycle and reached a 90% payment compliance rate when customers were alerted to potential credit impacts. **Content:** ## About OnTheMarket ![](https://debtregister.com/wp-content/uploads/2024/12/OnTheMarket-logo-1024x250.jpg)OnTheMarket is a leading property portal and one of the top platforms in the UK property market. With ambitious growth plans, it supports a broad customer base of estate agents and property developers—connecting them with millions of potential buyers and renters. Known for innovation and a customer-first approach, OnTheMarket continues to modernize the property search experience while scaling its internal finance operations to match. ![](https://debtregister.com/wp-content/uploads/2024/12/OTM-2.png)## OnTheMarket’s Objectives OnTheMarket wanted to improve **accounts receivable (AR)** performance by implementing a solution that could increase efficiency and accelerate collections. Key goals included: - Minimizing manual follow-ups and negotiation-heavy outreach - Reducing overdue invoices and improving payment speed - Managing customer accounts more effectively with a streamlined workflow - Ensuring more consistent, on-time payments ## OnTheMarket’s Challenges Before Debt Register, OnTheMarket ran into several bottlenecks that slowed collections: - No dedicated credit control system, leading to inefficiencies and long payment negotiations - Frequent pushback from estate agents when requesting payment, which extended resolution time - High costs and weak ROI from third-party collection agencies - Difficulty separating customers who **could pay** from those who **couldn’t—or wouldn’t** ![](https://debtregister.com/wp-content/uploads/2024/12/OTM-3.png)## Our Solution Debt Register helped OnTheMarket standardize and simplify its collections workflow by: - Enabling easy, centralized debtor management—while notifying estate agents about potential credit-score impacts if payment wasn’t made - Automating follow-ups and streamlining payment notifications, freeing the team to focus on complex accounts - Introducing processes that helped identify customers most likely to pay—reducing reliance on third-party debt collectors ## The Results After implementing Debt Register, OnTheMarket improved collections performance and efficiency: - Achieved ROI in the first implementation cycle - Reduced the number of cases escalated to third-party agencies, cutting costs - Reached a **90% payment compliance** success rate when customers were informed of potential credit impacts - Built a more proactive approach—helping the team distinguish between genuine payment constraints and payment avoidance > Liz Ash, Head of Credit Control at OnTheMarket, shared advice for those considering Debt Register: > > *“You’ll see a return of investment and your executive team will love you for it. We’ve not had any negatives. It does exactly what it says it’s going to do, and I can’t recommend it enough!”* **Categories:** Case Studies --- ### [We have been shortlisted for the Innovation in Credit Award 2025!](https://debtregister.com/we-have-been-shortlisted-for-the-innovation-in-credit-award-2025/) **Published:** December 10, 2024 **Author:** Michael Skipsey **Excerpt:** Debt Register is shortlisted for the Innovation in Credit Award 2025. Learn what this nomination means for credit control, collections and UK fintech. **Content:** All of us at Debt Register are thrilled to share that we’ve been shortlisted for the Innovation in Credit Award 2025! We are proud of our team’s hard work and commitment to driving innovation and this nomination is a testament to the impact we’ve made in the credit sector. The British Credit Awards recognise the stand out achievements of the most deserving individuals, teams and organisations in the international credit and collections industry. This award is for organisations and teams who have adopted innovative change of any sort to enhance their effectiveness and strength. The judges want to see evidence of well-thought-through change designed to improve the business in any part of the credit arena. Congratulations to all the other nominees for this and other awards – we’re looking forward to celebrating with you on 6th February 2025 and finding out who the winners will be! [Learn more about CICM’s British Credit Awards 2025](https://www.cicmbritishcreditawards.com/cicmawards2025/en/page/home). ## Stay Connected For more updates on our initiatives, industry insights, and how we’re always working to serve you better, follow us on[ LinkedIn](https://www.linkedin.com/company/debtregister-paytech-cloud-payment-solutions/) and[ X](https://x.com/DebtRegister). Have questions or feedback? Reach out to us through our Contact Us page. We’re here to help and always happy to hear from you! **Categories:** Company Updates --- ### [Entrepreneur claims to have settled the UK's oldest known invoice - in 45 minutes!](https://debtregister.com/entrepreneur-claims-to-have-settled-the-uks-oldest-known-invoice-in-45-minutes/) **Published:** February 14, 2022 **Author:** Michael Skipsey **Excerpt:** An entrepreneur says Debt Register settled the UK’s oldest known invoice in 45 minutes, collecting £2,502 and demonstrating faster business debt recovery! **Content:** A British entrepreneur who recently launched an automated digital platform to collect business debts believes he has settled the country’s oldest invoice – and in less than an hour! Gary Brown, founder of Debt Register, used his system to successfully collect a £2,502 debt that was more than four years (1499 days) overdue – and it did it within 45 minutes of the new software-as-a-service platform going live and the debt being uploaded. Gary invented the system having spent his life working in credit management and becoming fed up with customers who sat on their invoices without paying them: “It’s an industry-wide problem and I was determined to do something about it,” he explains. “There are hundreds of businesses out there who generate large volumes of often low value debt, where their only solution to late payment is to write it off or go through the courts. But with the court system having all-but ground to a halt, and with no guarantee of success anyway, I felt there just had to be a better way. And so Debt Register was born.” Gary says the system is also effective at collecting larger debts, and from overseas: the largest debt collected to date was $1,119,412.80 from a debtor based in France. In simple terms, Debt Register is a software platform that automatically identifies and verifies email contacts within a customer who is responsible for paying the bills. (Incorrect emails are still the biggest cause of requests for collections going unanswered.) It asks for that bill to be settled, with the consequence that failing to do so will result in the company being reported to the leading credit reference agencies (CRAs). This damages their credit score, as well as their reputation, in an age when payment performance has to be reported to shareholders. “Debt Register delivers a tangible and direct consequence for those companies should they continue not to pay an undisputed, overdue invoice,” he adds, “and it is this ‘consequence’ that seems to concentrate the mind!” The technology has recently been shortlisted in the Innovation and Technology category of the UK’s leading awards programmes for the credit industry. \[This article first appeared in February 2022 via [Business-money.com](https://www.business-money.com/announcements/entrepreneur-claims-to-have-settled-the-uks-oldest-known-invoice-in-45-minutes/) and [PR Newswire](https://www.prnewswire.co.uk/news-releases/entrepreneur-claims-to-have-settled-the-uk-s-oldest-known-invoice-in-45-minutes--868306894.html)\] **Categories:** Company Updates --- ### [CICM British Credit Awards 2022 shortlist announced](https://debtregister.com/british-credit-awards-2022-shortlist-announced/) **Published:** January 19, 2022 **Author:** Michael Skipsey **Excerpt:** CICM has revealed the British Credit Awards 2022 shortlist after record entries, recognising top UK credit management and collections teams across the UK! **Content:** The official shortlist of nominees at the Chartered Institute of Credit Management’s British Credit Awards has been revealed. The CICM’s says that the 2022 awards have received a record-breaking number of entries, meaning the judges task of shortlisting entries was made that little bit more challenging. The shortlist includes 104 entrants and potential winners from the likes of Essentra PLC, Debt Register, Shoosmiths LLP and Company Watch across 16 categories including Credit Professional of the Year, Best Employer of the Year and the eagerly awaited B2B Team of The Year award that includes for nominations for Aggregate Industries, The Adecco Group and Valor Hospitality Europe. Sue Chapple, Chief Executive of the CICM is excited to see the awards return to an in-person format along with presenting some well-deserved awards. “Being able to present this year’s awards in person means so much to us as an Institute as it will allow us to celebrate the resilience of this industry over the past two years.” “We’ll finally be able to connect with friends and colleagues many of us haven’t seen or heard from in a long time, and for an industry that prides itself on its people, that’s something very special. And of course, we’re excited to be able to award and champion those who have gone above and beyond this year.” \[This article first appeared in January 2022 via [Credit-connect.co.uk](https://www.credit-connect.co.uk/news/british-credit-awards-2022-shortlist-announced/)\] **Categories:** Company Updates --- ### [Our ISO 27001 Accreditation: Building trust through information security](https://debtregister.com/our-iso-27001-accreditation-building-trust-through-information-security/) **Published:** December 10, 2024 **Author:** Michael Skipsey **Excerpt:** Debt Register has achieved ISO 27001 certification, underlining our commitment to top-tier information security and safeguarding client data worldwide. **Content:** At Debt Register, safeguarding our clients’ information is one of our highest priorities. That’s why achieving ISO 27001 accreditation is such a significant milestone—it validates our unwavering commitment to meeting the highest international standards in information security, quality, safety, and efficiency. ## Why ISO 27001 Matters (SOC 2 Compliance equivalent) In today’s interconnected world, data is one of the most valuable assets an organization holds. Unfortunately, it’s also one of the most vulnerable. Cyber threats, data breaches, and operational disruptions are increasingly common, making robust information security measures a business imperative rather than a luxury. ISO 27001 provides a globally recognized framework for identifying, managing, and mitigating information security risks. By adhering to this standard, we demonstrate that we have comprehensive processes and protocols in place—from threat assessment and response to employee training and continuous improvement. ## What This Means for You When you entrust your data to Debt Register, you can do so with confidence. ISO 27001 accreditation assures you that we don’t just talk about security—we actively maintain and improve it. We have been formally approved by PRESCIENT SECURITY LLC to the ISO/IEC 27001:2022, and our certification is verified through [IAF CertSearch](https://www.iafcertsearch.org/certification/xijFfOgYwhzFnFh7HHZcbn3w). This accreditation underscores our dedication to: - **Protecting Sensitive Data:** We proactively safeguard your information, ensuring it remains confidential, integral, and available when you need it. - **Building Trust:** Adhering to ISO 27001’s rigorous requirements shows you can rely on us to handle your data responsibly. - **Ensuring Compliance:** Our processes align with international best practices, helping us navigate complex regulatory landscapes. - **Mitigating Risks:** By systematically identifying and addressing vulnerabilities, we reduce the likelihood of security incidents that could disrupt your operations. ## A Foundation for Long-Term Success ISO 27001 accreditation is not just a badge—it’s a cornerstone of our business strategy. It reflects our ongoing commitment to continually assess and refine our security measures, staying ahead of emerging threats and evolving industry standards. This proactive approach helps us serve you better, now and in the future. ## Summary ISO 27001 accreditation demonstrates Debt Register’s dedication to protecting sensitive information through a robust framework that enhances security, ensures compliance, builds trust, and minimizes risk in the digital age. Our pursuit of this standard reinforces our promise: when you work with us, your data is in good hands. ## **Stay Connected** For more updates on our initiatives, industry insights, and how we’re always working to serve you better, follow us on[ LinkedIn](https://www.linkedin.com/company/debt-register/) and[ X](https://x.com/DebtRegister). Have questions or feedback? Reach out to us through our Contact Us page. We’re here to help and always happy to hear from you! **Categories:** Company Updates --- ### [Company Values and Ethos: Who We Are](https://debtregister.com/debt-register-company-values-and-ethos-who-we-are/) **Published:** December 10, 2024 **Author:** Michael Skipsey **Excerpt:** A look inside Debt Register’s core values, principles that guide every project, interaction and decision across our global credit-management platform. **Content:** **At Debt Register, our values aren’t just a set of ideals—they’re the bedrock of who we are.** They guide every decision, interaction, and project we undertake. By living these values each day, we create a workplace that’s productive, impactful, and fulfilling for everyone. ## We Stand For: ### Joy and Enthusiasm Work should spark more than productivity—it should spark joy. By infusing happiness, fulfillment, and energy into our daily efforts, we cultivate an environment where people genuinely enjoy their contributions. We celebrate one another’s successes, encourage creative thinking, and understand that laughter and a positive spirit fuel our drive for excellence. ### Efficiency We are constantly looking for smarter ways to get things done. Efficiency means delivering high-quality results without unnecessary complexity. By streamlining processes and minimising busywork, we free up time and mental space for innovation, creativity, and sustainable work-life balance. ### Growth Curiosity and continuous learning keep us moving forward. We welcome new challenges, embrace calculated risks, and understand that making mistakes is part of evolving. Through training, mentorship, and open-minded experimentation, we ensure that both individuals and the company grow stronger together. ### Honesty Trust is at the heart of our relationships—with customers, partners, and each other. We champion transparency, own our mistakes, and speak openly. By listening actively and sharing honest feedback, we build connections rooted in respect, strengthen our team spirit, and uphold the highest ethical standards. ### Health and Well-Being A team that thrives personally can excel professionally. We champion mental health awareness, flexible work arrangements, and active support for well-being. Creating a safe, inclusive environment allows everyone to bring their best selves to work and achieve a healthy balance between personal and professional life. --- ## Summary At Debt Register, our core values define who we are and drive our success. We foster Joy and Enthusiasm, lean on Efficiency to work smarter, embrace Growth through continuous learning, uphold Honesty for trust and transparency, and prioritise Health and Well-Being for a thriving team. These values shape our culture, guide our decisions, and set us apart. We invite you to join us on our journey—together, we’ll continue to grow, innovate, and support one another. ## Stay Connected For the latest updates, industry insights, and a closer look at our company culture, follow us on[ LinkedIn](https://www.linkedin.com/company/debtregister-paytech-cloud-payment-solutions/) and[ X](https://x.com/DebtRegister). If you have any questions or feedback, we’d love to hear from you through our Contact Us page. Thank you for taking the time to learn more about what makes Debt Register unique. We look forward to sharing our journey with you! **Categories:** Company Updates --- ### [The Official Launch of the all-new DebtRegister.com!](https://debtregister.com/the-official-launch-of-the-all-new-debtregister-com/) **Published:** December 10, 2024 **Author:** Michael Skipsey **Excerpt:** We've relaunched our website, reimagined as a central hub for global credit and collections teams to manage overdue cash more effectively. **Content:** ## Introducing the All-New DebtRegister.com! We’re thrilled to unveil our newly redesigned website—an online hub dedicated to helping US and international credit and collections teams maximise their overdue cash collections more efficiently than ever before. ## A Smoother, Smarter Experience Our goal was simple: create a seamless user experience from start to finish. The new DebtRegister.com features intuitive navigation, dedicated pages for industry insights, and a sleek, modern interface. Whether you’re browsing on a desktop or your mobile device, finding the information and tools you need has never been easier. ## What’s New? - **Intuitive Navigation:** Quickly locate the resources you need, from industry insights to client success stories. - **Enhanced Resource Library:** Dive into our expanded library of client case studies, expert analysis, and industry insights. Get up-to-date news on the economy, discover fresh perspectives on debt management, and learn from real-world examples of how top companies have improved their collections process. - **Mobile-Friendly Design:** Access essential tools and information anytime, anywhere, with a responsive design that adapts to your screen size. - **Interactive ROI Calculator:** Estimate your potential savings and increased efficiency with our new ROI calculator—see firsthand the value Debt Register can bring to your collections process. ## **Who** **We Are** Debt Register is a multi-award-winning SaaS platform built in collaboration with FTSE 100 and Fortune 500 organisations. Our mission is to simplify the way businesses handle overdue payments—making the process faster, more transparent, and entirely autonomous. ## What We Do Say goodbye to time-consuming and costly manual follow-ups. Our platform integrates seamlessly into your existing systems, requires zero IT support, and can be fully operational in as little as one hour! With Debt Register, you’ll turn overdue accounts into direct payments effortlessly, freeing up your credit teams to focus on strategic growth instead of administrative tasks. Oh, and did we mention that there are no upfront costs! ## Why Choose Debt Register? - **Rapid Results: Experience immediate, tangible improvements in your collections process.** - **Instant Activation: Go live in as little as one hour, minimizing downtime and enabling you to address overdue payments sooner.** - **Independent Operations: Eliminate the need for outsourcing or legal intervention.** - **Proven Success: With a 100% client renewal rate, we’ve shown our commitment to delivering sustainable results.** - **No Upfront Costs: Start reaping the benefits without any initial investment.** ## Stay Connected Our journey doesn’t end here. Follow us on[ LinkedIn](https://www.linkedin.com/company/debtregister-paytech-cloud-payment-solutions/) and[ X.com](https://x.com/DebtRegister) for the latest updates, industry insights, and thought leadership content. Have feedback or questions? Reach out through our Contact Us page—we’d love to hear from you! ## Thank You for Visiting We can’t wait for you to discover everything our new site has to offer. Explore DebtRegister.com today and experience a smarter, faster way to manage overdue payments. Your path to more efficient collections starts now! **Categories:** Company Updates --- ### [Debt Register Digest: Construction key insights, challenges and opportunities](https://debtregister.com/debt-register-digest-construction-key-insights-challenges-and-opportunities/) **Published:** December 10, 2024 **Author:** Michael Skipsey **Content:** In part four of the Debt Register Digest, we focus on the U.S. construction industry’s performance in Q3 2024. As a key pillar of the U.S. economy, the construction sector reflects broader economic conditions and plays a pivotal role in employment and GDP growth. Despite the macroeconomic challenges posed by inflation and rising interest rates, Q3 2024 earnings for the construction industry have shown resilience and adaptability. The commercial construction segment has continued to show strength, bolstered by infrastructure development and industrial facility projects. Private residential construction has been more subdued but remains steady in certain markets, as homebuilders adapt to high interest rates by focusing on more affordable housing solutions. As expected, material costs remain elevated in certain categories, which continues to impact profitability margins. Additionally, labour shortages have led to increased wages for construction workers, which, while addressing workforce shortages, has added to operational costs for many firms. ## Home Depot Q3 earnings: Resilient Growth Amid Economic Challenges Home Depot net sales rose 6.6% year-over-year to $40.2 billion, though comparable sales declined by 1.2%, reflecting slower foot traffic despite price increases. Despite macroeconomic challenges, the company experienced notable performance, especially in outdoor and seasonal categories, aided by increased sales related to hurricane demand. Looking forward, Home Depot has adjusted its full-year guidance, projecting a 4% increase in total sales, with a decline in comparable sales of approximately 2.5%. Home Depot’s results, along with other major earnings, are important economic indicators. They suggest a resilient but cautious consumer base, pressures from housing and inflation, and opportunities for targeted spending in high-demand categories. ## Lowe’s Q3 earnings: Steady Revenue Despite Softening Demand Lowe’s Q3 2024 earnings report reflected a slight decline in sales at $20.2 billion compared to the same quarter last year at $20.5 billion in Q3 2023, but still exceeded analysts’ expectations in terms of revenue and earnings. A comparable sales decline of 1.1%, reflects softer consumer demand and challenges in the home improvement sector, including cautious spending due to higher interest rates and inflation pressures. Despite these hurdles, Lowe’s continues to emphasise operational efficiency and cost control to maintain profitability. ## Homebuilder Q3 earnings: D.R. Horton and Lennar Exceed Expectations D.R. Horton reported earnings per share of $4.10, which represents a 5% increase compared to the previous year. D.R. Horton reported a 2% year-over-year increase in revenue, driven by strong homebuilding sales despite challenges like inflation and mortgage interest rates. With 24,155 homes closed during the quarter, 5% more than the previous year, the company’s homebuilding revenue increased 6% to $9.24 billion. Lennar Corporation achieved earnings per share of $3.90. Revenue for the quarter reached $9.42 billion, marking a 7.9% year-over-year increase. Lennar attributed its success to a favourable economic environment, strong employment, and persistently high housing demand by household formation, despite affordability challenges. ## Real Estate Q3 earnings: Zillow’s Q3 2024 earnings showcased robust performance, with a 17% year-over-year revenue growth to $581 million. Key highlights included a 12% increase in residential revenue to $405 million, driven by improved customer conversion rates. The company remains financially stable, attributing success to technological advancements. Redfin reported its Q3 2024 earnings, highlighting mixed performance. The company’s revenue grew by 3% year-over-year to $278 million, but it recorded a net loss of $33.8 million. Looking ahead, Redfin expects Q4 revenue growth and plans to hire additional agents, indicating preparations for increased market activity. ## Key takeaways The construction industry’s Q3 2024 earnings reflect a sector that is facing both challenges and opportunities. Companies that adapt to the changing market dynamics, particularly in sustainability and affordable housing, are positioning themselves for long-term success. The home improvement and home building sectors are showing resilience, creating a more favourable environment for collecting overdue debts. Retailers and builders are benefiting from demand, though there may be localised delays due to operational or market-specific factors. The real estate platforms pose a higher risk of delayed or non-payment due to ongoing losses. Creditors may need to adopt stricter terms or leverage financial instruments for faster recovery in these cases. The U.S. construction industry’s performance has significant implications for the overall economy, a crucial driver of economic growth, contributing approximately 4.5% to the U.S. GDP as of 2024, making it a crucial driver of economic growth. In 2023, the industry added around $1.2 trillion to the GDP. **Stay Connected** For the latest updates, industry insights, and a closer look at what is happening in the world of Debt Register, follow us on[ ](https://www.linkedin.com/company/debt-register/)[LinkedIn](https://www.linkedin.com/company/debtregister-paytech-cloud-payment-solutions/) and[ X](https://x.com/DebtRegister). If you have any questions or feedback, we’d love to hear from you! **Categories:** Insights --- ### [Debt Register Digest: Tech sector key trends, earnings, and market performance!](https://debtregister.com/debt-register-digest-tech-sector-key-trends-earnings-and-market-performance/) **Published:** December 10, 2024 **Author:** Michael Skipsey **Content:** Welcome to the third edition of the Debt Register Digest 2024! In this blog, we highlight the exceptional Q3 2024 earnings from the U.S. technology sector, which demonstrated remarkable resilience amidst economic challenges such as inflation, rising interest rates, and global uncertainties. Despite these macroeconomic headwinds, leading U.S. tech companies achieved robust performance, driven by strategic investments in artificial intelligence (AI), cloud computing, and e-commerce. These advancements not only boosted revenues but also reinforced the sector’s crucial role in shaping the economy. ## Apple Q3 earnings: Optimistic Despite Challenges Apple’s Q3 2024 earnings reflect strong performance, with revenue hitting $85.8 billion, marking a 5% year-over-year increase despite the challenges posed by foreign exchange rates. However, iPhone sales saw a slight decline, down 1% year-over-year, although growth in constant currency was achieved. Apple remains optimistic about future prospects, especially the expansion of its Ai capabilities. ## Meta Q3 earnings: Dominating with AI and Advertising Meta platforms had strong performance in Q3 2024, with a 23% surge in revenue to $34.2 billion, driven by robust advertising demand and a growing user base, solidifying its market dominance. Continued growth for Meta is driven largely by advancements in artificial intelligence and robust digital advertising performance. ## Microsoft Q3 earnings: Leading in Cloud and AI Microsoft reported strong Q3 2024 earnings, driven largely by growth in its cloud computing and AI initiatives. Total revenue reached $61.9 billion, marketing a 17% year-over-year increase, while net income surged by 20% to $21.9 billion. The standout contributor was Microsoft’s cloud segment, with revenue climbing 23% year-over-year to $35.1 billion. ## Nvidia Q3 earnings: Record-Breaking Growth Nvidia delivered an impressive Q3 2024 performance, showcasing its dominance in the tech industry, particularly in the AI and data centre markets. The company reported record quarterly revenue of $35.1 billion, marking a 94% year-over-year increase and a 17% growth from Q2. These results reflect Nvidia’s growing influence in global AI adoption, industrial robotics, and high-performance computing, positioning it as a cornerstone of the ongoing digital transformation. ## Google Q3 earnings: Powered by AI and Cloud Google’s parent company, Alphabet Inc., delivered strong Q3 2024 earnings, with revenue increasing by 15% year-over-year to $88.3 billion. This growth was driven by the performance of Google Services, which contributed $76.5 billion in revenue, a 13% year-over-year increase. These results highlight Alphabet’s strategic focus on leveraging AI technologies and expanding cloud solutions, positioning the company as a leader in the evolving tech landscape. ## Tesla Q3 earnings: Driving Energy and Automotive Growth Tesla Q3 2024 earnings demonstrated solid growth and operational efficiency, with total revenue reaching $25.18 billion, marking an 8% year-over-year increase. Key drivers of this performance included Tesla’s Energy Generation and Storage segment, which saw a 52% surge in revenue thanks to high demand for Megapack and Powerwall systems. ## Key Takeaways for the U.S. Economy The strong earnings across major tech players indicate a positive trajectory for the U.S. economy. These results showcase consumer confidence in technology and a continued appetite for innovation despite broader economic pressures. Strong earnings and forward guidance from these tech giants suggest continued market strength into 2024, potentially supporting broader economic growth through increased consumer spending and business investment. ## Stay Connected For the latest updates, industry insights, and a closer look at what is happening in the world of Debt Register, follow us on[ LinkedIn](https://www.linkedin.com/company/debt-register/) and[ X](https://x.com/DebtRegister). If you have any questions or feedback, we’d love to hear from you! **Categories:** Insights --- ### [Debt Register Digest: U.S. banking sector shows strong earnings amid challenges!](https://debtregister.com/debt-register-digest-u-s-banking-sector-shows-strong-earnings-amid-challenges/) **Published:** December 10, 2024 **Author:** Michael Skipsey **Content:** In our second Debt Register Digest 2024, we turn our attention to the U.S. banking sector’s Q3 2024 earnings and performance! The U.S. banking sector showed strong performance across major institutions, despite ongoing challenges like rising interest rates and inflation. Acting as a backbone for financial stability, economic growth, and capital flow, the U.S. banking sector plays a crucial role in the U.S. economy. The sector is deeply intertwined with consumer spending, business investments, and government operations. Strong banking performance often correlates with broader economic health, as seen in the positive Q3 earnings for major U.S. banks. JPMorgan, the largest U.S. bank, reported a net income of $5.7 billion, marking a 13% year-over-year increase. Its revenue grew by 8%, driven by robust performance across its banking and payments segments. Bank of America also saw growth in revenue and earnings, benefitting from higher interest rates, which bolstered its net interest income. Overall, these results suggest that the U.S. banking sector remains financially robust, with key institutions effectively managing macroeconomic challenges and adapting to changing market conditions. As a backbone of the U.S. economy, the performance of these banks not only impacts financial stability but also provides valuable insights into broader economic health​. ## Large Corporations Thrive The Q3 2024 bank earnings reports paint a picture of economic resilience with some notable contrasts between large and small businesses. Large corporations are experiencing a golden age of profitability, with many achieving unprecedented net margins of 35-40% – roughly triple historical norms. The corporate bond market reflects this strength, with historically low borrowing costs signaling strong lender confidence in the economy’s three-to-five-year outlook. ## Small and Medium Enterprises (SMEs) However, the situation for SMEs (which comprise 33million or 99% of U.S. businesses) is more nuanced. While benefiting from moderating inflation and the Fed’s recent 50 basis point rate cut, SMEs are showing more caution in their approach to borrowing and expansion. Commercial loan demand remains weak across major banks, with smaller businesses particularly hesitant to take on debt despite their strong balance sheets. This conservative stance appears driven by ongoing economic uncertainty rather than immediate financial stress. ## Real Estate Sector The real estate sector, both residential and commercial, is still facing some stress from the impact of the sharp increase in interest rates but this should moderate if the Federal reserve rates policy continues to moderate. ## Labour Market Resilience The labour market continues to show remarkable resilience, providing crucial support for both large and small businesses. Wage growth remains positive, helping maintain consumer spending power despite earlier inflationary pressures. Banks report that consumer spending growth, while slowing, remains positive – an important indicator for business health across all sizes. ## Looking forward The combination of moderating inflation, potential additional rate cuts, and resilient consumer spending suggests a cautiously optimistic outlook, particularly as borrowing costs are expected to decline further in Q4 2024. ## Stay Connected For the latest updates, industry insights, and a closer look at what is happening in the world of Debt Register, follow us on[ LinkedIn](https://www.linkedin.com/company/debtregister-paytech-cloud-payment-solutions/) and[ X](https://x.com/DebtRegister). If you have any questions or feedback, we’d love to hear from you! **Categories:** Insights --- ### [Debt Register Digest: How well did U.S. retail brands perform in the last quarter?](https://debtregister.com/debt-register-digest-how-well-did-u-s-retail-brands-perform-in-the-last-quarter/) **Published:** December 10, 2024 **Author:** Michael Skipsey **Content:** We’re thrilled to introduce Debt Register Digest 2024, your go-to resource for industry insights, now available online for all! In this first edition, we focus on the U.S. retail sector’s Q3 earnings and the same-store sales index, offering a detailed look at current consumer demand, operational efficiency, and the state of the market. The retail industry plays a crucial role in the U.S. economy, though it doesn’t dominate the overall market. By analysing key retail insights, we gain a valuable understanding of broader economic trends, helping stakeholders make informed business decisions. In Q3 2024, despite inflation and rising interest rates, the retail sector remains resilient. Retailers are optimising pricing strategies and preparing for a strong Q4, driven by holiday sales and consumer demand. The same-store sales index offers critical insights into consumer behavior and retail performance, measuring sales from stores that have been open for at least a year. This provides a more accurate picture of ongoing trends and market shifts. ## Walmart Q3 2024 earnings: Strong Growth Driven By E-Commerce Walmart’s Q3 performance stood out, reporting total revenues of $169.6 billion. This revenue growth was driven by its same-store sales increasing by 5.3%, and e-commerce revenue growing by an impressive 27% year-over-year. These figures underline the retailer’s strong position in a competitive market and reflect broader trends in online shopping and consumer habits. Walmart also reported a surge in net income, reaching $4.6 billion, compared to $453 million during the same period last year. Going forward, Walmart has already initiated its Holiday Deals event, anticipating robust sales. The strong performance in Q3, along with an optimistic outlook for Q4, positions Walmart well for continued success in the highly competitive retail environment. ## Costco Q3 2024 earnings: Sales Growth Amid Membership and Value Strategies Costco reported Q3 2024 revenue of $58.52 billion, slightly above analyst expectations and a 0.77% increase from the previous year. Costco’s ability to lower prices and stimulate demand contributed to the revenue growth. Additionally, Costco’s strong membership base, which increased to 74.5 million members, further supported its performance during the quarter. With a same-store sales index increase of 6.5% as of December 2nd 2024, Costco’s growth was driven by strong demand in key categories, particularly groceries and essential products. The performance reflects Costco’s consistent ability to attract consumers despite economic pressures, indicating resilience in its business model and effective inventory and pricing strategies. ## Key takeaways: These retail insights provide a clear indication of how well the American consumer is doing, trends in same-store sales, e-commerce performance, and consumer spending patterns offer valuable data on purchasing behaviour, confidence levels, and overall economic health. Retail sector earnings directly impact overdue debts as they reflect consumer financial health and spending patterns. When retail sales are strong, it typically signals that consumers have the purchasing power to meet their obligations. Weaker earnings may indicate reduced consumer confidence or disposable income, leading to higher overdue debts as people struggle to keep up with payments. Retail insights also help businesses adjust their credit policies, knowing how well consumers are doing in terms of spending and paying off existing debts. ## Stay Connected For the latest updates, industry insights, and a closer look at our company culture, follow us on[ LinkedIn](https://www.linkedin.com/company/debtregister-paytech-cloud-payment-solutions/) and[ X](https://x.com/DebtRegister). If you have any questions or feedback, we’d love to hear from you! **Categories:** Insights --- ### [An open letter for all clients, partners and colleagues](https://debtregister.com/an-open-letter-for-all-clients-partners-and-colleagues/) **Published:** December 12, 2024 **Author:** Michael Skipsey **Content:** At Debt Register, my team and I are dedicated to delivering a solution that autonomously drives overdue debts—no matter where in the world they originate—toward prompt payment. Our vision is simple but powerful: **Get overdue debts paid today**. Having started my career as a credit controller over 30 years ago and rising to the role of credit manager, I am struck by how undersupported credit professionals often are, both externally and internally. The traditional options for recovering overdue debts are far from ideal, as legal action is slow, costly, time-consuming, and statistically ineffective, while third-party collections and debt collection agencies can be equally slow and expensive, often relying heavily on legal escalation rather than true skill or strategy. As a result, too much collectible debt is either written off as not cost-effective to pursue or passed to third-party agencies, where quick wins often come from mere introductions, not expertise. I speak from experience—I also own a third-party agency. The key deterrent that drives payment is the credit profile and its impact on a customer’s supply chain. What if you could leverage that supply chain earlier, autonomously, and effectively? The results aren’t surprising: - Faster collection of overdue debts. - Lower costs. - Reduced resource requirements. - Boosted team morale. - Improved client retention. When you add in the complexities of international debts, such as jurisdictional restrictions and language barriers, the challenge—and the cost—only grows. That’s the problem I set out to solve—as a fellow credit professional, for credit professionals. At Debt Register, we’ve built a solution that empowers internal teams to collect overdue debts faster and more efficiently, with all payments paid directly, without escalating to third parties. Given that cash is the lifeblood of business, and business is the lifeblood of economies, Debt Register is designed to be accessible for companies of all sizes. By reducing complexity, lowering costs, and increasing efficiency, we aim to help businesses thrive, ensuring they have the cash flow they need to thrive. Thank you for joining us on this journey to transform overdue cash collection and empower businesses worldwide. To follow Debt Register’s journey in 2026 and beyond please connect with us on [LinkedIn](https://www.linkedin.com/company/debtregister-paytech-cloud-payment-solutions). Otherwise, for more information on Debt Register and our solution, click [here](https://debtregister.com/). Thank you, Gary Brown Founder, Debt Register [Follow me on LinkedIn](https://www.linkedin.com/in/gary-brown-debt-register/) **Categories:** Articles --- ### [CommScope Case Study: Unlocked $100M in Late AR in 30 Days With Global Collections Automation](https://debtregister.com/commscope-case-study-streamlining-global-credit-operations-for-a-fortune-500-leader/) **Published:** December 12, 2024 **Author:** Michael Skipsey **Excerpt:** CommScope used Debt Register to standardize collections across regions with multi-currency, multi-language, and time-zone-aware workflows. Within the first month, CommScope unlocked $100M in late receivables while improving team KPIs and preserving customer relationships. **Content:** ## About CommScope ![](https://debtregister.com/wp-content/uploads/2024/12/CommScope-logo.jpg)CommScope is a Fortune 500 company and a global leader in network infrastructure solutions. With operations in **100+ countries**, CommScope designs, manufactures, and supports the hardware and software behind many of the world’s most advanced networks. Its solutions power **broadband connectivity**, wireless networks, and enterprise systems—helping enable a more connected digital economy. As a market leader, CommScope partners with enterprise organizations across industries to support innovation and reliable connectivity at scale. ## CommScope’s Objectives With a complex global footprint, CommScope wanted to modernize **credit and collections** to improve cash flow, reduce aged **accounts receivable (AR)**, and maintain strong customer relationships. The objective was to add a solution that worked alongside a **decentralized credit structure** while delivering consistent results across regions. ![](https://debtregister.com/wp-content/uploads/2024/12/CommScope-3-1024x512.jpg)## CommScope’s Challenges CommScope faced several issues common to large, multi-region AR teams: - **Decentralized credit operations:** teams across regions and time zones struggled to maintain consistent processes and outcomes - **Late-payment culture:** increasing payment delays hurt cash flow and created operational drag - **Scale complexity:** managing **multi-currency** and **multi-language** receivables required workflows that adapt to regional needs without adding overhead ![](https://debtregister.com/wp-content/uploads/2024/12/CommScope-6.jpg)## Our Solution CommScope adopted Debt Register’s cloud-based platform to standardize and accelerate collections globally. Key capabilities included: - **Easy to deploy:** a user-friendly interface enabled fast rollout without requiring IT support - **Built for global AR:** multi-language, multi-currency, and time-zone awareness to support teams worldwide - **Neutral outreach:** a “mediator” approach that supports productive communication without damaging customer relationships ## **The Results** CommScope saw measurable impact quickly: - **Accelerated payments:** within the first month, CommScope unlocked **$100 million** in late receivables—achieving ROI almost immediately - **Stronger team performance:** improved collections KPIs boosted confidence and productivity - **Better client relationships:** neutral outreach reduced friction while preserving relationships - **Always-on global access:** 24/7 availability supported receivables management across time zones > — [Stefan van Beneden](https://www.linkedin.com/in/stefan-van-beneden-b539555), Senior Director, Credit and Collections, CommScope shared his experience: > > *“Debt Register has been a game-changer for CommScope. It’s fast, reliable, and gives us an edge by accelerating payments and improving our team’s efficiency. The ease of use and global functionality make it an invaluable tool in our credit operations.*” **Categories:** Case Studies --- ### [Delinian Case Study: Faster Cash Recovery Across 17 Entities With ROI in Days](https://debtregister.com/delinian-case-study-simplifying-complex-credit-management-for-a-global-conglomerate/) **Published:** December 12, 2024 **Author:** Michael Skipsey **Excerpt:** Delinian implemented Debt Register across a complex multi-entity structure to streamline collections and reduce dependency on third-party agencies. The rollout was fast (operational within an hour) and delivered ROI within days while preserving customer relationships. **Content:** ## About Delinian ![](https://debtregister.com/wp-content/uploads/2024/12/Delinian-logo.jpg)Delinian operates a diverse portfolio of **approximately 70 brands** across **17 key subsidiaries**. Its businesses provide essential data services to some of the world’s largest banks, law firms, and organizations, and also deliver high-profile events and tailored recognition products. Delinian’s invoicing ranges from **small-value transactions** to **multi-million-dollar** data solutions. With a global customer base and a **credit book exceeding $70 million**, Delinian has expanded through strategic acquisitions and continues to operate at enterprise scale. ## Delinian’s Objectives Delinian wanted to strengthen credit management by adding a solution that complemented existing internal collections activity—while reducing reliance on third-party collection agencies. Key goals included: - Reducing potential bad-debt write-offs with earlier, more consistent action - Streamlining credit and collections workflows across a large, multi-entity environment - Managing high volumes of overdue accounts more efficiently - Accelerating collections to improve cash flow ![](https://debtregister.com/wp-content/uploads/2024/12/Delinian-1-1024x734.jpg)## Delinian’s Challenges - Delinian faced several operational hurdles that made consistent collections difficult across the group: - **Complex org structure:** 17 legal entities created process inconsistency and fragmentation - **Delayed payment cycles:** longer credit cycles and late payments impacted cash flow and efficiency - **Sales-driven environment:** preserving client relationships sometimes conflicted with timely collections - **Cost concerns:** perceived implementation cost slowed adoption early on ![](https://debtregister.com/wp-content/uploads/2024/12/Delinian-6-1024x391.jpg)## Our Solution Delinian partnered with Debt Register to modernize and standardize credit management across subsidiaries using a centralized, scalable approach. Debt Register delivered: - **Fast implementation:** cloud-based setup requiring minimal IT support and live in about an hour - **Centralized credit operations:** one platform to manage overdue accounts and reduce dependency on external agencies - **Relationship-safe outreach:** neutral communications that helped reassure sales teams and preserve customer relationships - **Scalability across the group:** consistent workflows and rollout across subsidiaries and users ## The Results Delinian saw immediate operational and financial impact: - **Immediate ROI:** return on investment within days, reducing overall cost of collections - **Faster cash recovery:** earlier use in the cycle accelerated collections of outstanding receivables - **Improved client trust:** no customer complaints reported, easing internal concerns - **Operational efficiency:** reduced reliance on external agencies and improved ability to manage internally > Their Global Order to Cash Process lead had this to say: > > *“We were sending debts that were six months and older on to Debt Register and we were seeing really good results. Now we are getting through our cycle much quicker, and we recognize the benefit of Debt Register.”* **Categories:** Case Studies --- ### [Informa Case Study: Collected $300K+ Fast and Cleared Aged AR With a Pre-Legal Step](https://debtregister.com/informa-case-study-leveraging-debt-register-for-streamlined-collections-and-improved-cash-flow/) **Published:** December 12, 2024 **Author:** Michael Skipsey **Excerpt:** Informa used Debt Register as an intermediate “pre-legal” step to increase leverage, modernize outbound communications, and improve visibility before escalating to legal. The initial trial collected $300K+ and helped clear aged receivables while resolving disputes earlier. **Content:** ## About Informa ![](https://debtregister.com/wp-content/uploads/2024/12/Informa-logo.jpg)Informa is a **FTSE 100** company and a global leader in knowledge, information, and events. It operates across diverse markets—including **academic publishing (Taylor & Francis)** and **B2B events (Informa Markets)**—supporting major industries such as beauty, licensing, and technology. With **11,000+ employees across 30 countries** and large-scale global operations, Informa needs a credit and collections process that’s consistent across regions, easy to deploy, and built to support both **B2B** and specialist segments like academic markets. ![](https://debtregister.com/wp-content/uploads/2024/12/Informa-1-1024x553.jpg)## Informa’s Objectives Informa set out to strengthen its **credit and collections** operation by introducing a solution that could: - Scale across geographies and integrate smoothly with existing systems and diverse customer portfolios - Reduce overdue invoices and improve cash flow - Streamline AR workflows and speed up payment resolution - Decrease reliance on third-party collection agencies and downstream legal escalation ![](https://debtregister.com/wp-content/uploads/2024/12/Informa-4-1024x683.jpg)## Informa’s Challenges Informa’s biggest gap was the lack of a true **“in-between” step** in its collections process. Once internal outreach (calls, emails, automated dunning letters) had run its course, accounts moved straight to legal action. That created several issues: - Legal timelines that were slow and expensive—especially in regions like the **Middle East** - Less leverage with customers who had become desensitized to legal threats - Operational drag caused by outdated customer records (for example, incorrect email addresses) - Limited visibility into what internal efforts were working before accounts went to legal ## Our Solution Debt Register provided Informa with a **pre-legal collections layer** designed to create urgency and drive action—without jumping straight to legal escalation. With Debt Register, Informa was able to: - Automate customer email communications and track engagement (including read receipts) - Use **credit-agency reporting leverage**—including Dun & Bradstreet and Experian—rather than relying immediately on legal escalation - Resolve disputes earlier to improve ledger accuracy - Upload templates and run self-serve workflows without IT involvement - Centralize customer correspondence, notes, and next steps in one place for better team coordination ![](https://debtregister.com/wp-content/uploads/2024/12/Informa-6-1024x683.jpg)## The Results Debt Register delivered immediate, measurable impact: - Collected **£250,000** in overdue payments during the initial trial—achieving ROI before full rollout - Processed **millions of pounds** in overdue invoices to reduce aged AR and improve cash flow - Resolved disputes earlier, reducing the number of invoices escalated to legal proceedings and improving ledger accuracy - Improved team morale through a simple platform that produced tangible results quickly Debt Register’s intuitive design and low training requirements enabled rapid adoption across Informa’s global credit teams, leading to measurable success. > – [Matthew Walters](https://uk.linkedin.com/in/★matthew-walters-mcicm-★-28a16ab), Cash Lead, EMEA, Informa shared his experience: > > “*Debt Register has been easy, successful, and motivational for our team. It fills a critical gap in our collections process, ensuring disputes are resolved and payments are collected quickly. The system’s simplicity and immediate impact made it an easy choice for Informa.*” **Categories:** Case Studies --- ### [Debt Register's U.S. Launch!](https://debtregister.com/debt-register-expands-to-the-us/) **Published:** February 10, 2025 **Author:** Michael Skipsey **Excerpt:** Debt Register expands to the United States, bringing AI-powered collections tools to US businesses seeking smarter overdue cash-flow solutions. **Content:** **We are excited to** officially launch in the U.S. on **February 14th 2025**—bringing our SaaS solution, powered by AI, to American businesses. The financial landscape in the United States is evolving rapidly, with businesses actively seeking smarter, more efficient ways to manage and recover their overdue debts. This is where Debt Register excels. ## **Who we are** We are a multi-award-winning, proven, and disruptive SaaS solution designed to transform the way businesses recover overdue payments. Recognized by the Chartered Institute of Credit Management (CICM) and finalists for the Innovation in Credit Award 2025, our platform eliminates the inefficiencies of traditional third-party collections by fully automating the recovery process—without outsourcing or compromise. What our solution will give you: - Unlimited collections – works for any debt balance; - The ability to go live in 1 hour; - An easy, hassle-free, install and setup. No IT support needed; - All payments directly to your bank, and; - All of this with **zero** upfront costs – no need to request a new budget! ## **How we do it** The U.S. debt collection process has long been **time-consuming, costly, and resource-intensive**. Debt Register changes the game by offering an innovative, risk-free, and cost-effective approach. Powered by AI, our SaaS solution accelerates overdue debt payments before third-party escalation. We do this by leveraging the potential impact on global credit profiles. Delivering over 50% savings with every collection, Debt Register empowers credit teams to pursue any balance, boosting collection totals, while delivering faster direct payments, improved efficiency, and an immediate ROI. **Upload and chase up to 10,000 debts in just two minutes**—no additional hires, no upfront costs, no risk. **Cut collection times drastically** with our intelligent, autonomous platform. **Retain full control over your receivables**—eliminating the need for outsourcing or expensive legal action. ## **A truly global solution for U.S. businesses** At Debt Register, “global” means more than just international reach. Our platform is built with: **Time zone intelligence** – Ensuring optimal engagement times across different regions. **Multilingual communications** – Breaking language barriers for seamless debtor interaction. **Local market insights** – Factoring in public holidays and cultural nuances to maximize efficiency. Whether you’re collecting in **any language, any currency, or any location**, Debt Register provides a frictionless, scalable solution for businesses of all sizes. **We’re excited to continue our growth in the US, bringing our award-winning solution to American businesses and empowering credit teams with the tools they need to recover payments faster, more efficiently, and without reliance on third-party agencies.** ## **Stay connected** For the latest updates, industry insights, and a closer look at our company culture, follow us on [**LinkedIn**](https://www.linkedin.com/company/debtregister-paytech-cloud-payment-solutions/) and [**X**](https://x.com/DebtRegister). Got questions? **We’d love to hear from you!** **Categories:** Company Updates --- ### [Leverage-as-a-Service: New Enterprise Collections Solution](https://debtregister.com/leverage-as-a-service-introducing-a-purpose-built-solution-for-enterprise-collections/) **Published:** July 29, 2025 **Author:** Michael Skipsey **Excerpt:** Introducing a tailored LaaS solution for enterprise AR teams drowning in overdue invoices, designed to streamline collections and reduce cash-flow **Content:** With nearly [50% of all B2B invoices](https://atradius.sg/dam/jcr%3Ae6d39770-5f80-44d0-9117-f8a39388a605/payment-practices-barometer-north-america-us-en.pdf) being overdue and 42% of U.S. companies reporting setbacks in meeting financial goals due to late payments, most enterprise AR teams feel like they are drowning in endless waves of past due accounts. These teams escalate collections to third-party agencies, often later than they should, because it is the only option left after internal points of leverage, like service suspension and legal action, have been exhausted. But outsourcing comes with major downsides: loss of control over the customer experience and sky-high commission rates of up to[ 20-30%](https://pmarketresearch.com/it/b2b-debt-collection-services-market/). On top of that, industry data clearly shows that collections rates decline as debt ages. The good news is there’s finally a better option for resource-constrained teams. Industry pioneers refer to this emerging category of collections solutions as Leverage-as-a-ServiceTM (LaaS). **In this article, we’ll cover:** - What a LaaS-based collections solution is and how it works - Where LaaS-based solutions fit into the existing collections escalation process - Why this new solution category is revolutionizing the way enterprise collections teams manage overdue accounts - How Debt Register, the leading LaaS-based solution, is revolutionizing the way enterprise collections teams operate ## **What are Leverage-as-a-Service (LaaS)-based collections solutions, and how do they work?** The power of collections teams stems from the ability to apply leverage. Traditional methods include things like suspending service, initiating legal action, or handing off accounts to third-party agencies. LaaS-based collections solutions **offer internal collections teams the power of third-party leverage** without requiring them to completely surrender the debtor’s account. Maintaining control allows AR teams to improve internal recovery rates, boost operational efficiency, and strengthen cash flow. The goal of LaaS isn’t to completely replace third-party agencies entirely, but to help AR teams to get more value from internal efforts **before** outsourcing overdue debt. Here’s how it works: 1. Upload overdue accounts to your chosen LaaS-based solution 2. Allow the platform to send autonomous, consequence-driven messages directly to debtors, irrespective of currency billed or customer location 3. Receive payments directly to your bank account 4. Track progress and maintain full visibility with real-time reporting Starting with a LaaS-based escalation ensures that overdue accounts ultimately sent to a third-party agency truly require external outsourcing. This “**dual-stage” approach** results in higher overall recovery rates, according to data from Debt Register, the pioneer and industry-leading provider of LaaS-based collections solutions. ## **Introducing Debt Register: The world’s first LaaS solution** As the first **Leverage-as-a-Service (LaaS)** platform, [Debt Register](https://debtregister.com/) offers an AI-powered solution that empowers collections teams to recover overdue accounts faster and with less friction. Debt Register’s solution, built by a credit professional for credit professionals, is powered by years of operational insight and rooted in extensive analysis of overdue payments. Here’s what sets Debt Register part: - **Bad data is expensive. About 40% of overdue payments are delayed due to inaccurate contact data and your third-party agency knows this.** To ensure communications land in the right inboxes, Debt Register validates email addresses against a proprietary database of 10 billion contacts before reaching out to your debtors. Improving data integrity measurably boosts customer connection and engagement rates. - **It’s no secret among credit professionals that third-party pressure works. Close to 30% of overdue invoices are paid immediately after a third-party name is introduced.** That’s why Debt Register sends messages directly to debtors, but unlike third-party agencies, your team retains control of the relationship and has full visibility. - **The way to create urgency is by introducing real, far-reaching consequences.** Since service suspension alone doesn’t always drive action, Debt Register warns accounts that debts that remain unpaid after 10 days will be reported to global credit agencies. This consequence, which leverages the entire supply chain, creates a sense of urgency that is much better received by debtors than the pressure applied by third-party agencies. Debt Register’s clients have seen powerful results with a dual-stage approach. About 38% of “unengaged” overdue accounts uploaded to the platform are ultimately settled within 10 days while saving clients up to 50% in agency-related costs. One example is global technology powerhouse Johnson Controls. The company is seeing a significant [boost to internal collection rates](https://debtregister.com/johnson-controls-case-study-streamlining-global-receivables-for-a-fortune-500-industry-leader/) after adding Debt Register to their existing escalation process. In addition to seeing a decrease in bad debt write-offs, Johnson Controls is estimating it will save $1.92MM in third-party fees in the first year alone. Senior Finance Manager at Johnson Controls, Angelica Bontea, said it best: *“Debt Register is extremely user-friendly and flexible. We saw the benefits after the first month—it helped us clean data, reach clients, and accelerate collections.”* ## **Collections Just Got Easier** Debt Register’s Leverage-as-a-Service solution delivers just the right pressure to create urgency, drive payments, and minimize third-party escalations. [Get started with a free trial](https://debtregister.com/en-us/free-trial/) today to see what Debt Register can do for your company. **Categories:** Company Updates - Featured --- ### [Breaking the 80/20 Rule – Handing Low-Value, High-Volume Debt](https://debtregister.com/breaking-the-80-20-rule/) **Published:** September 8, 2025 **Author:** Michael Skipsey **Excerpt:** Discover a fresh method for chasing low-value, high-volume invoices, boost collections efficiency by 50%+ in ten days with no extra headcount or budget. **Content:** ## **Collect Faster. Cut Costs. Free Your Team.** ⚡Collect past-due accounts with 50%+ efficiency gains in 10 days. Zero extra headcount. Instant ROI 👉 Available today with no upfront cost — zero new budget required. 🎯 Start your free trial now and see what Debt Register can do for your company. ## **Breaking the 80/20 Rule** Past-due accounts drain a disproportionate share of your credit team’s resources — the 80/20 rule in action, where 80% of overdue invoices represent just 20% of revenue. Debt Register fixes this imbalance by automating lower-value account chasing and delivering frictionless consequences. Proven to free credit teams to focus earlier in the collections cycle, instantly delivering compounding gains in revenue protection and cash flow. ## **Proven. Reliable. Enterprise-Ready.** ✅ 50%+ efficiency gains achievable within 10 days ✅ Globally scalable ✅ No additional headcount or IT projects required ✅ Available today with no upfront cost — zero new budget required ✅ Trusted by Fortune 500 and FTSE 100 companies, with successful recoveries in 138 countries ✅ Instant ROI ## **Why Our Model Works for Credit Teams** We know that credit teams rarely get budget easily — as ex-credit professionals, we’ve been there ourselves. That’s why Debt Register requires no upfront cost. In the first year, our model is simple: pay as you collect. At renewal, you can switch to a discounted upfront payment model, delivering further savings while continuing to scale collections. Clients consistently tell us that Debt Register has boosted credit team morale — not only by improving their efficiency, but by showing that their work is being invested in with a solution that genuinely delivers results. Think of it as a real-time business case: instead of relying on projected ROI metrics that rarely materialize, Debt Register delivers measurable ROI as payments are collected. ## **Problem with Traditional Leverage** Collections teams need leverage that drives payment. Traditionally, this has meant credit holds — strong leverage if your customer relies solely on you, but weak if they can source from an alternative supplier. Beyond this, escalation often means turning to legal action or outsourcing to agencies — both expensive, slow and risk damaging to client relationships. ## **How Debt Register changes that** We deliver third-party leverage, that could impact the whole supply chain, which you team fully control. Enabling credit teams to: ✅ Recover more in-house ✅Cut costs and improve efficiency ✅ Protect relationships – vital for business growth ## **How Debt Register works** 1\. Upload unlimited overdue accounts — all covered by one fixed annual cost. 2\. Debt Register’s AI validates and highlights data issues during the chase cycle and corrects them where possible by sourcing validated new contact details — ensuring maximum engagement and payment success. 3\. The platform sends automated, consequence-driven messages worldwide. 4\. Customers pay you directly. 5\. Track every step in real time. 💡 All new validated data is yours to download — strengthening your data stack for future collections. 💡 ## **Collections Made Simple** Debt Register delivers leverage at the right time, creating urgency that prioritizes your invoices. This accelerates payments, instantly boosts team efficiency, and reduces costly reliance on third parties. Curious? 🎯 Don’t take our word for it! Start your free trial today and see what 50%+ efficiency in 10 days looks like. 🎯 **Categories:** Company Updates --- ### [Thermo Fisher Case Study: Modernizing AR Collections to Accelerate Cash Flow and Save $1.6M Annually](https://debtregister.com/thermo-fisher-case-study-modernizing-ar-collections-to-accelerate-cash-flow-and-save-1-6m-annually/) **Published:** December 12, 2025 **Author:** Michael Skipsey **Content:** ## **About Thermo Fisher** ![](https://debtregister.com/wp-content/uploads/2025/12/thermo-fisher-scientific-logo-1.png)Thermo Fisher Scientific is a leading U.S.-based science and life-sciences company that supports research, clinical labs, and biopharma manufacturing worldwide. It supplies laboratory instruments and analytical equipment, as well as reagents, diagnostics, and a broad range of services used by researchers, healthcare providers, and biotech and pharmaceutical companies. In 2024, Thermo Fisher reported roughly **$43 billion** in revenue—highlighting its large scale, strong presence across the United States, and extensive global reach. ## **Our Solution** Debt Register helped Thermo Fisher modernize AR outreach and improve collections performance with a scalable workflow: - Fast onboarding and training to drive adoption across the organization - Cloud-based platform supporting bulk uploads to save time and reduce manual work - Real-time engagement tracking (email opens/reads) to improve follow-up precision - Automated alerts highlighting potential credit-rating impact, boosting responsiveness - Reporting and analytics to support better prioritization and decision-making ![](https://debtregister.com/wp-content/uploads/2025/12/image-2-1024x682.png)## **The Results** - Since integrating Debt Register, Thermo Fisher has achieved the following: - Delivered **$1.608M** in **estimated annual savings** - Recovered debts ranging from **$1.73** up to **$348,503.40** (highest single recovery) - Collected on balances as old as **1910 days** - Achieved a **74% success rate** **Categories:** Case Studies --- ### [Webinar: CRF Fast-Track Collections](https://debtregister.com/webinar-fast-track-collections-leveraging-modern-tech-for-maximum-recovery-without-the-it-headache-presented-by-debt-register-crf/) **Published:** December 2, 2025 **Author:** Michael Skipsey **Excerpt:** Live webinar from Debt Register & CRF gives credit-teams actionable strategies to accelerate collections, ideal for businesses tackling overdue invoices. **Content:** ## **Presented by Debt Register and the Credit Research Foundation (CRF)** Debt Register Founder **Gary Brown** and board member and advisor **Chris Caparon** are joined by **Mauricio Mustre**, the **Global OTC Manager for Late Collections at Johnson Controls**. Mauricio oversees the optimization of Johnson Controls’ worldwide late-stage collections processes, ensuring efficiency, stronger performance, and improved decision-making across the organization’s AR operations. ## **About the Credit Research Foundation (CRF)** The Credit Research Foundation is a leading resource for education, benchmarking, and best practices for credit and finance professionals. *Find out more about the [Credit Research Foundation](https://www.crfonline.org/education/webinars/).* ## Stay Connected Get the latest updates, industry insights, product news, and a behind-the-scenes look at our company culture: Follow Debt Register on **[LinkedIn](https://www.linkedin.com/company/debtregister-paytech-cloud-payment-solutions/)**. Have questions? **We’d love to hear from you.** **Categories:** Company Updates - Featured --- ## Pages ### [Leverage engineered to reduce past-due at scale](https://debtregister.com/) **Published:** February 19, 2026 **Author:** Marc **Content:** # Leverage engineered to reduce past-due at scale Proof at a glance: 180% net uplift • 53% lower cost [Speak to us](/book-a-call/) [Start a free trial](/free-trial/) No upfront cost No system changes Live in under an hour ![](https://debtregister.com/wp-content/uploads/2026/03/DR-software.png "DR software Debt Register") ![Johnson Controls](https://debtregister.com/wp-content/uploads/2026/03/Johnson-Controls.png) ![OnTheMarket](https://debtregister.com/wp-content/uploads/2026/03/OnTheMarket.png) ![OnTheMarket](https://debtregister.com/wp-content/uploads/2026/03/Thermo-Fisher.png) ![Sunbelt](https://debtregister.com/wp-content/uploads/2026/03/Sunbelt-Rentals.png) ![Rentokil](https://debtregister.com/wp-content/uploads/2026/03/Rentokil-Initial.png) ![Henry Schein](https://debtregister.com/wp-content/uploads/2026/03/Henry-Schein.png) ![ADT](https://debtregister.com/wp-content/uploads/2026/03/ADT-Security-Systems-1.png) ![Commscope](https://debtregister.com/wp-content/uploads/2026/03/CommScope.png) ![Informa](https://debtregister.com/wp-content/uploads/2026/03/Informa.png) BUILT FOR ENTERPRISE AR TEAMS. TRUSTED BY GLOBAL ENTERPRISES. ![](https://debtregister.com/wp-content/uploads/2026/02/Johnson-Controls-logo.png) ## "Johnson Controls increased net collections by 180% and reduced cost by 53%." Achieved via a dual approach: 135% uplift from Debt Register before agency involvement, and 45% from their agency after. All DR–driven payments were routed directly to the client. [Read the case snapshot](/johnson-controls-case-study-streamlining-global-receivables-for-a-fortune-500-industry-leader/) Our Mission "Maximize retained profits by reducing write-offs, third-party costs, and internal resource drain." Debt Register is defining the new standard in enterprise collections: a modern leverage layer that works alongside existing AR and O2C systems to resolve past-due accounts faster, at lower cost, and at scale, with global consistency. ## Live Trial #### See it on your data — not in a hypothetical. Your demo is a free trial on your past-due accounts. Eliminate friction: faster resolutions, fewer touches, fewer agency escalations, reduced write-offs Full control: you initiate the leverage, and every payment goes directly to your bank #### Live on your data in under an hour [Start a free trial](/free-trial/) ## What we are (and aren't) #### Not an agency. Not a replacement for your chase system. We do one thing at an exceptional level: drive past-due recovery at scale. **We’re not an agency.** We sit before your agencies. You stay in control; we reduce over-chasing. **We don’t replace your chase system.** We add what it can’t: a credit-impacting consequence in 7 days. **We complement your stack.** Use DR first → fewer agency files → lower write-offs → higher net collections at considerably lower cost. [Start a free trial](/en-us/free-trial/) ## How Debt Register delivers 1 ### Upload past-due accounts From CSV to full API, go live in under an hour. No heavy IT, no disruption. 2 ### Create the 7-day “have to act” moment Debtors see a clear deadline and a self-serve portal to notify payment, respond, or dispute. If there’s no action within 7 days, your team triggers a credit-impacting consequence they want to avoid. 3 ### Validation, tracking, and enrichment Email validation, tracking, and enrichment are built in. You stay in control — payments go directly to your bank. Fewer repeated touches. Fewer agency files. Reduced DSO. [See how it works](https://debtregister.com/product/how-it-works/) ## Global from go-live — zero extra lift - **Fastest external consequence without outsourcing** → debtor action in days - **Cost-effective for any balance** → the neglected tail becomes collectible - **Fewer touchpoints** → over-chasing drops; team efficiency rises - **Stronger than agency leverage** → earlier decision point, lower friction, enterprise scale - **Fixed annual cost; unlimited uploads** → bring escalation forward without increasing spend #### Outcome: internal teams collect what agencies used to — at a fraction of the cost. ## Results that matter ### Past-due paid in days, not months. 0% increase in net collections (Johnson Controls) 0% reduction in cost 0% uplift from Debt Register alone, before agency involvement [Watch the summary](/en-us/free-trial/) [Start your free trial](/free-trial/) ## Where we fit in your process ### We slot in before agencies. You keep ownership. You keep the payments. You keep the wins. ### Keep - Your collectors - Your relationships - Your chase system - Your agencies (for later-stage files) ### Cut - Repeated chasing - “Too small to escalate” - Easy-win agency fees - Avoidable write-offs ## Control, Compliance and Data #### You control the trigger. You decide when the 7-day consequence starts. #### All payments go directly to your bank. We’re not a payment intermediary. #### Your data gets stronger. We identify weak contacts, verify them, enrich where applicable, and pass all improvements back into your stack. ## FAQs How does Debt Register drive faster past-due recovery? By empowering your team to create a 7-day credit-impacting consequence that compels rapid debtor action — reducing internal over-chasing without agency escalation. [Read the full answer →](#) How quickly can we go live? All clients go live in under an hour — from CSV upload to full API. No heavy IT, no projects, no disruption. [Read the full answer →](#) How does Debt Register increase profits and efficiency? By resolving more past-due accounts internally, lowering write-offs, reducing agency usage, and operating on a fixed annual cost with unlimited uploads. [Read the full answer →](#) Does Debt Register work for smaller or long-tail balances? Yes. Any balance becomes cost-effective. The long-neglected tail becomes collectible without increasing cost-to-collect. [Read the full answer →](#) How does Debt Register enhance net collections alongside a debt collection agency? Debt Register improves what you recover before escalation and reduces agency dependence. [Read the full answer →](#) ## Net Effect ### Debt Register resolves more accounts internally, reduces agency workloads, cuts third-party costs, lowers write-offs, and delivers higher net collections — while agencies handle only what truly needs escalation. ## Instant leverage. Get paid in days, not months. [Speak to an expert](/book-a-call/) [Start a free trial](/free-trial/) --- ### [Thank you](https://debtregister.com/book-discovery-call/thank-you/) **Published:** August 6, 2026 **Author:** Marc **Content:** # Thank you We look forward to speaking with you. ![Johnson Controls](https://debtregister.com/wp-content/uploads/2026/03/Johnson-Controls.png) ![OnTheMarket](https://debtregister.com/wp-content/uploads/2026/03/OnTheMarket.png) ![OnTheMarket](https://debtregister.com/wp-content/uploads/2026/03/Thermo-Fisher.png) ![Sunbelt](https://debtregister.com/wp-content/uploads/2026/03/Sunbelt-Rentals.png) ![Rentokil](https://debtregister.com/wp-content/uploads/2026/03/Rentokil-Initial.png) ![Henry Schein](https://debtregister.com/wp-content/uploads/2026/03/Henry-Schein.png) ![ADT](https://debtregister.com/wp-content/uploads/2026/03/ADT-Security-Systems-1.png) ![Commscope](https://debtregister.com/wp-content/uploads/2026/03/CommScope.png) ![Informa](https://debtregister.com/wp-content/uploads/2026/03/Informa.png) ##### Case Studies ## OnTheMarket's Success Story How OnTheMarket transformed their credit control process: reducing collection costs and increasing efficiency with Debt Register’s innovative solution Debt Register is a really interesting product and we got a return on investment the first time we used it Liz AshHead of Credit, OnTheMarket [Read case study](/onthemarket/) ##### Case Studies ## Johnson Controls Success Story How Johnson Controls enhanced its credit management processes by adopting a solution that could improve cash flow and accelerate collections Debt Register is an incredibly flexible and fast tool that delivers results. It allows us to collect cash more effectively, saving time and reducing frustrations. Angelica BonteaSenior Finance Manager, Johnson Controls [Read case study](/johnson-controls-case-study-streamlining-global-receivables-for-a-fortune-500-industry-leader/) ##### Case Studies ## CommScope Success Story We helped CommScope modernize its credit and collections processes to accelerate cash flow, reduce outstanding receivables Debt Register has been a game-changer for CommScope. It’s fast, reliable, and gives us an edge by accelerating payments and improving our team’s efficiency. Stefan van BenedenSenior Director, Credit and Collections, CommScope [Read case study](/commscope-case-study-streamlining-global-credit-operations-for-a-fortune-500-leader/) --- ### [Contact](https://debtregister.com/contact/) **Published:** December 10, 2025 **Author:** Marc **Content:** # Ready when you are. ## Choose how you’d like to connect. ### Request a Call Prefer to talk first? Pick a time and we’ll call you. [Schedule a Call](/book-a-call/) ### Book a Trial See it on your data — not in a hypothetical. Schedule a live session at a time that suits you. [Book a Trial](/free-trial/) ## We keep it simple. ### Just a conversation to see whether Debt Register is a fit. And when it is, the impact is usually significant. #### Our commercial model makes it easy to start: your free trial is live on your own data, and Year 1 is funded by commission under a capped annual licence — giving you instant ROI with no upfront cost. ### Privacy note #### YOUR DETAILS STAY CONFIDENTIAL. WE NEVER SHARE ENQUIRY DATA. ## Instant leverage. Get paid in days, not months. [Speak to an expert](/book-a-call/) [Start a free trial](/free-trial/) --- ### [How it works](https://debtregister.com/product/how-it-works/) **Published:** February 20, 2026 **Author:** Marc **Content:** # How Debt Register Works ## (Leverage-as-a-Service™) ### A fast-to-deploy, low-friction operating layer that finally gives enterprise AR teams the leverage their existing systems were never designed to deliver. Every enterprise has automation, workflows, dialers, and dunning systems. These tools scale outreach. What they don’t do is change debtor behavior. Once effort stops moving an account, the recovery curve drops off — and internal teams hit the leverage gap. Debt Register closes that gap with the world’s first Leverage-as-a-Service™ platform: a fully automated, consequence-driven escalation your team controls and applies at the point where effort stops working — before agency or legal escalation — and scales without additional headcount, reducing over-chasing and internal effort while cutting third-party costs and avoidable write-offs. Step 1 ## Upload your past-due accounts – live in under an hour #### Your team can load accounts using: - CSV or bulk file - SFTP - Direct API connection ##### Go live without IT lift, without an integration project, and without delay. Once uploaded, every account is placed into a single, global workflow that is: - Time zone–intelligent - Multilingual - Aware of global public holidays - Fully tracked end-to-end - Backed by email validation and contact integrity checks For enterprise teams, this means 100% consistency in how every past-due account is treated — at global scale. Step 2 ## Create the 7-day “have-to-act” moment #### A predictable decision point that changes the debtor’s priority on your past-due invoices. Across a 7-working-day window, each debtor receives **three fully tracked, time-bound communications** directing them to a self-serve portal and your collections team. ##### From each communication, they can: - Access the portal to notify payment, confirm a payment date, or lodge a query/dispute - Call their named collector using the direct-dial details surfaced in the email - Email your team using the address embedded in the communication - Reply directly to the message, automatically updating the account and status in Debt Register ##### Some debtors won’t engage at all — they’ll simply pay you through existing channels once the consequence is clear. If there is no action by the end of the 7 days, your team triggers a **credit-impacting consequence** — a faster, earlier consequence than traditional third parties, **without recurring debt collection agency fees**. This is the shift from effort-based chasing to leverage-based recovery. Step 3 ## Intelligent validation, tracking, and enrichment — built in #### Fixing the data problems that block recovery. ##### Debt Register automatically: - Validates email and contact integrity - Tracks engagement and intent - Identifies failed, dead, or weak data - Enriches contact details where applicable - Makes an improved data set available for your team to feed back into your stack Where digital contact cannot be validated or enriched, the platform automatically **reverts to postal communication (US and UK) at no additional charge**, ensuring those accounts still receive leverage rather than silently dropping out of the process. ##### The result: less over-chasing, fewer “easy wins” handed to DCAs, and a higher internal yield from the same collections team — with less effort. **Insight:** A high percentage of so-called “difficult” accounts aren’t debtor problems — they’re data problems. Step 4 ## Full control for your team. More profit for your business. We are not a DCA. We do not touch your money, and we do not sit between you and your customers. #### Your Team: - Decides which accounts are escalated into Debt Register and when - Keeps every payment flowing directly to your bank - Receives debtor queries raised in the portal to manage in your own systems (via API or file) - Retains full ownership of both the relationship and the outcome #### This Ensures: - Genuine queries are handled before any third-party escalation - Customers aren’t pushed to agencies while an account is in dispute - Leverage is applied with less “finality” than legal action or DCA placement ##### The result – higher internal recovery, better customer retention, and more profit from receivables. *The result – higher internal recovery, better customer retention, and more profit from receivables.* Step 5 ## Scales across every balance — including long-tail and micro-accounts Because the platform runs on a **fixed annual cost with unlimited uploads**, every account becomes cost-effective to escalate at scale — including: - Lower-balance and micro-accounts - Debts previously written off as “not cost-effective to pursue” (within applicable limitation periods) - Accounts that traditional agencies decline or deprioritize as “too small” ##### This turns past-due “tails” into recoverable revenue streams, without any additional resource lift. Step 6 ## The outcome ### A consistent leverage layer that: Increases internal recovery across all balance bands Reduces reliance on debt collection agencies and their fees Lowers cost-to-collect and internal effort Improves data quality for every future cycle Cuts write-offs and boosts net profit from receivables Shortens time-to-resolution Accelerates cash flow ### All of this is deployable in under an hour — without additional staff, cost-per-file, or operational drag. LEVERAGE-AS-A-SERVICE™ • ENTERPRISE-GRADE • SCALABLE • CONTROLLED BY YOU[](#) ## FAQs How quickly can we go live with Debt Register? Most enterprise teams are live in under an hour, from CSV upload to full API. Does Debt Register replace our existing collections or dunning system? No. It sits alongside your existing tools as a leverage layer before agencies — enhancing your existing process rather than replacing it. Is Leverage-as-a-Service only for lower-balance accounts? No. It’s designed to work across all balances, currencies, and segments — from high-value enterprise accounts to long-tail and micro-balances. ## Instant leverage. Get paid in days, not months. [Speak to an expert](/book-a-call/) [Start a free trial](/free-trial/) --- ### [FAQs](https://debtregister.com/faqs/) **Published:** February 7, 2025 **Author:** support **Content:** ![](https://debtregister.com/wp-content/uploads/2024/11/arrows.png) # FAQs Have questions? We’ve got answers. Explore our FAQ section to learn more about how our platform works, implementation time, global support, and more. Discover everything you need to streamline collections and improve cash flow efficiency. ##### How can you guarantee savings? We guarantee that our cost will be at least 50% lower than what you currently pay your third-party provider. Every payment secured through Debt Register will cost you 50% less—guaranteed. ##### Why don't I need support from our internal IT team? Through our work with multiple FTSE 100 and Fortune 500 companies, we recognized that IT bottlenecks often delayed implementation. To eliminate this friction, we designed Debt Register to function without IT involvement. Our platform ingests data via Excel, a format every company can handle internally. This means no reliance on IT teams and a go-live process of under an hour. ##### How long do you have the debt for? Our standard chase cycle lasts 7 working days, and on average, debts are resolved within 14 days. We recommend accounting for a total of 20 days. ##### How can there be no risk? Risk is a matter of perception. With Debt Register, there’s no upfront cost. Your first 100 debts are chased for free during the trial. You only pay after the trial and only for debts that successfully result in payment. With proven success across leading global brands, we deliver an instant ROI—making us risk-free. ##### Can I chase any size debt? Yes. Unlike traditional third-party agencies that impose minimum balances or fees, we built our solution to chase any balance, no matter how small. Our founder, an experienced credit professional, created Debt Register because he was frustrated by having to write off collectable debts due to cost inefficiencies. We provide the missing tool in the credit professional’s toolkit. ##### How long does it take for Debt Register to start working? Instantly. If your customer is in a time zone where it’s currently business hours, the chase process begins immediately. Our founder wanted to ensure there was no lag and no momentum loss. If a debtor refuses to pay, a credit professional can upload the debt to Debt Register and escalate it to a third party within minutes. Our system can process up to 10,000 debts every 2 minutes. ##### My contact information isn't great—can you help? Yes. We validate and update email data in real-time and track recipient activity using an advanced engagement tracking system—think of it as an upgraded read receipt. Weak or outdated email data is autonomously enriched using AI to maximize engagement. Any new contact details found are available for download to help you update your records and prevent further payment delays. ##### How does Debt Register's recovery rate compare to my current agency? We guarantee you’ll save over 50% compared to your current agency. Simply provide your existing rate, and we’ll beat it—guaranteed. ##### What is your success rate? Our global success rate is 74.7%—meaning nearly 3 out of 4 debtors who engage with Debt Register proceed to payment. And as always, payments go directly into your bank account. ##### How is this solution globally scalable? Debt Register was built to meet the demands of global enterprises. Our platform supports any debt, in any country, of any size. It is: - Time-zone intelligent (sends chases at the optimal local business hours). - Aware of global public holidays (ensures outreach is timed effectively). - Multilingual (communicates with debtors in their native language). Simply upload your debts, and we take care of the rest—ensuring timely, effective, and compliant collections worldwide. Have a question that hasn’t been covered above? Schedule a call and we’d be happy to help! Talk to us --- ### [Pricing](https://debtregister.com/pricing/) **Published:** February 13, 2025 **Author:** support **Content:** # Enterprise Pricing ## How Debt Register’s commercial model works for credit teams. Debt Register is priced to deliver **instant ROI**, scale with your volumes, and reduce third-party costs and write-offs through increased internal cash collection and greater efficiency across your credit team. Every enterprise licence includes unlimited uploads, unlimited users, and full access to the global leverage engine — all covered by a capped annual fee which, after your free trial (a live demo on your data with no hypotheticals), can go live with **no upfront spend**. ### Our Model: Ensures you only begin to invest once payments are received and the value is proven. Pricing is not displayed here because it depends on several variables unique to your organisation, including portfolio volumes, current third-party spend, and the performance insights surfaced during your free trial. ## Start With a Free Live Trial ### Your cost-reduction journey begins with a live trial using your real past-due accounts. There are no upfront costs, no system changes, and no commitment. [Start your free trial](/en-us/free-trial/) ### Across the trial, you’ll see: - Engagement, uplift, and resolutions on your own portfolios - How leverage replaces repeated chasing - Where costs reduce — including third-party commissions and write-offs - How efficiency gains reduce internal workload and resource pressure - The savings profile you can expect when scaled across your full portfolio These live insights inform an accurate pricing proposal aligned to your operational realities. ## How Pricing Works ### Budget-Friendly by Design #### Debt Register is typically funded within existing credit-team budgets — including third-party collections spend and bad-debt provision — making it straightforward to secure approval without requesting new budget allocation. YEAR 1 ### Performance-Funded Your capped annual licence is funded through commission during the first year. - Instant ROI - No new budget requirement - Real savings captured from day one - Full access for your entire AR/O2C function This allows you to scale leverage while proving the financial impact in parallel. YEAR 2+ ### Fixed Annual Licence Once year-one results are captured, the capped annual fee becomes part of your budgeting cycle. - Unlimited debt uploads (reasonable usage clause) - Unlimited user seats across all regions - Global leverage, multilingual capability, and automation - Consistent operation at enterprise scale Costs remain predictable, capped, and independent of volume. ## Savings & Performance Impact #### See it on your data — not in a hypothetical. Your demo is a free trial on your past-due accounts. Debt Register sits before your agencies, resolving a significant share of past-due accounts internally and giving credit teams the freedom to deploy leverage earlier in the chase cycle. With unlimited uploads included in your licence, teams can introduce Debt Register at any point in their workflow — typically bringing it forward to suit debtor profiling and maximise uplift. #### The Dual-Strategy Approach: ##### Strengthens existing processes without replacing them, giving credit teams a scalable, controlled escalation layer that drives resolution while reducing cost and workload. 50%+ reduction in third-party commissions Reduced write-offs across long-tail and lower-balance accounts Increased cash yield at lower operational effort Greater efficiency as repeat chasing is replaced with leverage Fewer exceptions placements, disputes, and downstream issues Higher net collections at materially lower total cost ## What’s Included ### Everything below is covered within your capped annual licence. Unlimited uploads (reasonable usage clause) Unlimited user seats Global leverage with timezone and language intelligence AI-powered data validation and enrichment Full control of consequence delivery Enterprise auditability, permissions, and compliance Optional API automation when you are ready ## Enterprise Guarantees #### No upfront cost #### No long-term commitment Until value is proven #### Zero operational disruption Live in under an hour #### Payments always route directly to you #### Immediate ROI You only pay as payments are received #### Fits naturally within existing budgets Third-party spend, bad-debt provision ### These guarantees ensure your team can trial, validate, and scale Debt Register with confidence — without speculative spend or new budget requests. ## Ready to See Your Pricing? ### Pricing is tailored to your organisation’s: Past-due volumes Operational footprint Current third-party spend Dual-strategy uplift potential Regional and business-unit structure Debtor profile and ageing characteristics Placement strategy — where Debt Register sits within your chase cycle #### A short conversation is all that’s needed to outline your model. ## Instant leverage. Get paid in days, not months. [Speak to an expert](/book-a-call/) [Start a free trial](/free-trial/) --- ### [Testimonials](https://debtregister.com/testimonials/) **Published:** April 17, 2025 **Author:** Marc **Content:** # Testimonials ![Mauricio Mustre](https://debtregister.com/wp-content/uploads/2026/03/Mauricio-Mustre.png) #### Mauricio Mustre Manager & Global Process Owner, Late Collections Johnson Controls “ Adopting Debt Register has made our collections process more efficient, and we are already seeing this reflected in our projected savings for the year. One of our main concerns before adopting the platform was whether our success rate would drop compared with our previous vendor. The results in some cases are even higher. The ability to trial Debt Register with very low risk made it easy for us to evaluate the platform, and it has proven flexible enough to support different entities and markets. ![Ronald Matley](https://debtregister.com/wp-content/uploads/2026/03/Ronald-Matley-headshot.png) #### Ronald Matley Director of Credit Services Sunbelt Rentals “ Accounts paid through Debt Register are typically resolved faster and at a much lower cost than using an agency. Debt Register has helped us move faster on accounts where we previously struggled to get customers to engage. It has also provided a strong alternative to higher priced collection agencies. The implementation process was a light lift for our team, and many accounts are now being collected earlier and at a lower cost. Accounts resolved through Debt Register are typically paid more quickly and at a much lower cost than if they were sent to a traditional agency. ![Stefan van Beneden](https://debtregister.com/wp-content/uploads/2026/03/Stefan-Van-Benden-CommScope.jpg) #### Stefan van Beneden Senior Director, Global Credit and Collections CommScope “ Late payments are a growing challenge for businesses globally, so we were looking for a solution that would encourage customers to pay according to agreed terms. Debt Register filled that gap for us. The implementation was very smooth and required no IT support. The platform is user friendly and easy for the team to adopt. Within a month of loading debts into the system, we accelerated and unlocked significant delayed receivables, with a return on investment almost immediately. ![Matthew Walters](https://debtregister.com/wp-content/uploads/2026/03/Matthew-Walters-Informa.jpg) #### Matthew Walters EMEA Order to Cash Lead Informa “ Before adopting Debt Register our process moved directly from internal chasing to legal action, with nothing in between. Debt Register introduced an effective step in the collection cycle to encourage payment before going legal. The platform was very easy to implement using simple Excel uploads and required only minimal training for the team. We quickly saw results, recovering more than £250,000 in cash and effectively paying for the system during the trial period. ![Stephen Ratcliffe](https://debtregister.com/wp-content/uploads/2026/03/Stephen-Ratcliffe-Algeco.jpg) #### Stephen Ratcliffe Credit Manager Algeco “ Debt Register is a very easy platform to use and requires no support from IT or other departments. The team can manage everything directly, which has made the collections process significantly faster and more efficient. We saw returns almost immediately after uploading accounts, even on older debt, and quickly covered the initial cost through cash recovered. ![Liz Ash](https://debtregister.com/wp-content/uploads/2026/03/Liz-Ash-On-The-Market.jpg) #### Liz Ash Head of Credit On The Market “ Debt Register offers a completely new approach to collections that immediately stood out. The ability to trial the platform with no risk made it an easy decision to test, and results were strong from the first use. Customer engagement improved quickly, and we achieved a high payment rate simply by uploading accounts and initiating outreach. ![Rob Casey](https://debtregister.com/wp-content/uploads/2026/03/Rob-Casey-Delinian.jpg) #### Rob Casey Finance Director Delinian “ Debt Register delivered immediate value from the outset, with a clear return on investment within days of going live. The platform provided a cost-effective alternative to traditional approaches while improving speed of recovery. ![](https://debtregister.com/wp-content/uploads/2025/04/sunbelt-1.png) [ ](https://vimeo.com/1080541136) ### Sunbelt Rentals Our interview with Ronald Matley, Director of Credit Services, from Sunbelt Rentals: “Debt Register helped us collect earlier at a much lower cost than we would have come by sending it to an agency.” ![](https://debtregister.com/wp-content/uploads/2025/04/Debt-Register-Interview-with-Mauricio-Mustre-at-Johnson-Controls-min.png) [ ](< https://vimeo.com/1080542377>) ### Johnson Controls **Our interview with Mauricio Mustre, Manager & Global Process Owner – Late Collections, from Johnson Controls:** “Using Debt Register helped reduce our volume to third parties, which freed up our team to focus on more strategic, cash-focused activities.” ![](https://debtregister.com/wp-content/uploads/2024/12/Johnson-Controls.png) [ ](https://vimeo.com/1038244214) ### Johnson Controls **Our interview with Angelica Bontea, Senior Finance Manager, from Johnson Controls:** “It’s extremely user-friendly and flexible. We saw the benefits after the first month — it helped us clean data, reach clients, and accelerate collections.” ## Instant leverage. Get paid in days, not months. [Speak to an expert](/book-a-call/) [Start a free trial](/free-trial/) --- ### [Free Trial](https://debtregister.com/free-trial/) **Published:** February 6, 2026 **Author:** support **Content:** # Free Trial ## Most enterprise teams are live in under an hour using a small, controlled portfolio of past-due accounts. Debt Register is deployed as a free live trial on your own past-due accounts. There is no speculative spend, no long programs, and no dependency if you decide not to continue. **This is a live trial using real data, not hypotheticals.** ## No upfront cost No system changes Live in under an hour Fill out the form to get started. Our team will help you identify the best past-due accounts for your trial portfolio. Name(Required) First Last Email(Required) Company name(Required) Debt Register needs the contact information you provide to us to contact you about our products and services. You may unsubscribe from these communications at any time. For information on how to unsubscribe, as well as our privacy practices and commitment to protecting your privacy, please review our --- ### [Why a Free Trial?](https://debtregister.com/product/why-a-free-trial/) **Published:** March 22, 2026 **Author:** Marc **Content:** YOUR FIRST LINE OF ESCALATION BEFORE YOUR AGENCY # Recover more, faster and in-house, before accounts reach your agency Fast Setup: Enterprise teams go live in under an hour No IT build • No cost • No obligation Debt Register integrates into your collections process as a pre-agency escalation layer. We update debtor contact data and handle outreach so your team resolves more accounts in-house. This reduces agency volume, lowers costs, and improves outcomes. No IT needed. Setup takes about an hour. Payments go directly to your bank. [Start a free trial](/en-us/free-trial/) [](#) #### More resolved internally. Better performance from your agency. Higher net recovery. ## Why Do a Free Trial? #### High-performing AR teams do not replace their agency. They use it more effectively. A free trial lets you: Recover cash before it reaches your agency Reduce the volume and cost of accounts sent to your agency Improve debtor contact accuracy before escalation Create faster, more predictable resolution cycles Strengthen performance when accounts do reach your agency [Start a free trial](/free-trial/) DESIGNED TO IMPROVE RESULTS BEFORE ACCOUNTS REACH YOUR AGENCY. 180% increase in net collections 53% reduction in cost to collect 135% uplift before agency involvement $250k+ recovered during trial period ![Johnson Controls](https://debtregister.com/wp-content/uploads/2026/03/Johnson-Controls.png) “The success rate has been very similar, and in many cases even higher than our previous vendor.” ![Sunbelt Rentals](https://debtregister.com/wp-content/uploads/2026/03/Sunbelt-Rentals.png) “We were not sure what to expect when we gave Debt Register a try, but it quickly proved its value.” ![CommScope](https://debtregister.com/wp-content/uploads/2026/03/CommScope.png) “Within a month we accelerated and unlocked significant delayed receivables, with a return on investment almost immediately.” ![Informa](https://debtregister.com/wp-content/uploads/2026/03/Informa.png.webp) “Debt Register helped us recover over $250,000 in cash and paid for itself during the trial period.” ## How the Free Trial Works ### No fees. No obligation. No disruption to your existing agency process. 1 ### Upload up to 100 overdue accounts before sending to your agency 2 ### We fix contact data and run outreach 3 ### You receive payments directly to your bank No IT build No upfront cost No operational risk #### Works alongside your agency. No change to your current process. ## Improve results before accounts reach your agency ### Run a free trial on real accounts and measure the impact in weeks [Start a free trial](/free-trial/) --- ### [Book a call](https://debtregister.com/book-a-call/) **Published:** February 22, 2026 **Author:** Marc **Content:** # Find out more ## Leverage engineered to reduce past-due at scale. ![Johnson Controls](https://debtregister.com/wp-content/uploads/2026/03/Johnson-Controls.png) ![OnTheMarket](https://debtregister.com/wp-content/uploads/2026/03/OnTheMarket.png) ![OnTheMarket](https://debtregister.com/wp-content/uploads/2026/03/Thermo-Fisher.png) ![Sunbelt](https://debtregister.com/wp-content/uploads/2026/03/Sunbelt-Rentals.png) ![Rentokil](https://debtregister.com/wp-content/uploads/2026/03/Rentokil-Initial.png) ![Henry Schein](https://debtregister.com/wp-content/uploads/2026/03/Henry-Schein.png) ![ADT](https://debtregister.com/wp-content/uploads/2026/03/ADT-Security-Systems-1.png) ![Commscope](https://debtregister.com/wp-content/uploads/2026/03/CommScope.png) ![Informa](https://debtregister.com/wp-content/uploads/2026/03/Informa.png) ### Debt Register is the world's only Leverage as a Service platform, proven for enterprise accounts receivable and credit teams. It is a fast-to-deploy leverage layer that sits alongside existing ERP, billing, and collections systems, delivering the leverage those systems were never designed to provide. #### Built for Enterprise AR Teams 80% of past-due accounts deliver just 20% of value — yet they consume most of your credit team’s time. Johnson Controls flipped this imbalance, starting to unlock **$14M** in annual recurring savings within **just 10 days** using Debt Register. ##### Free your credit team to focus on the high-value 20% where millions are at stake. #### Johnson Controls unlocked $14M+ in past-due savings. **Mauricio Mustre** — Manager & Global Process Owner - Late Collections at Johnson Controls said: Watch testimonial "The main concern that any business will have is whether this service is going to be as good as an existing service, so giving Debt Register's trial a go at very low risk, because of that incentive, I think it's very good." × Name(Required) First Last Email(Required) Company name(Required) Job title(Required) Debt Register needs the contact information you provide to us to contact you about our products and services. You may unsubscribe from these communications at any time. For information on how to unsubscribe, as well as our privacy practices and commitment to protecting your privacy, please review our --- ### [Implementation & Onboarding](https://debtregister.com/company/implementation-onboarding/) **Published:** February 23, 2026 **Author:** Marc **Content:** # Implementation & Onboarding ### Live in under an hour. Enterprise scale on your terms — globally. Enterprise teams don’t need another project. They need a frictionless leverage layer that deploys fast, fits governance, and doesn’t disrupt what already works. ### Debt Register is implemented exactly the way enterprise AR works today: fast go-live → light onboarding → deeper automation only when the value is proven. No system overhaul. No long programs. No delays. Phase 1 ## The Free Trial #### (on a portfolio you define) Time investment: ~1.5 hours across 4 touchpoints Timeframe: 10 days Go-live: 180 days past due). 2 ### Go Live – Kick-off (30 mins) - Your team sends an initial CSV or SFTP file - We support the upload live - The selected portfolio is live in under 30 minutes - Baseline metrics captured to benchmark performance on this segment 3 ### Day 2 & Day 5 – Progress reviews (15 mins each) - Review live engagement and payments - Identify and resolve data issues blocking recovery - Track enrichment where DR improves contact accuracy - Address questions and keep the cycle moving 4 ### Day 10 – Final review (30 mins) - Update payments and responses - Review engagement, data integrity, and leverage impact - Combined progress summary shared with all stakeholders **Note:** Progress reports are issued after each touchpoint so stakeholders can see progress clearly. To keep reporting accurate, your team updates payments and flags offline activity before each touchpoint. Outcomes tracked live: - Engagement rates - Data issues identified and fixed - Uplift achievable on this defined segment - Operational efficiency gained by applying leverage early This is a demo using live past-due accounts — no hypotheticals. By Day 10, you have a clear view of the savings achievable at scale. Phase 2 ## Program rollout #### No upfront cost or new budget required ~1 hour per team member Timeframe: 1–4 weeks When you’re ready and the trial has proven the value, you roll Debt Register out across your credit team as part of business-as-usual. #### Teams then: - Extend coverage to additional business units and the portfolios within those units - Decide which accounts are sent into Debt Register, either on a case-by-case basis or via clear internal criteria ##### Training is straightforward: - Two short sessions (up to 1 hour in total) with 6–8 collectors at a time, using live data - Simple playbooks covering how to: upload accounts, manage alerts, update payments, place accounts on hold/close/flag - Supported by our easy-to-follow walkthrough guidance provided in-app ##### When you’re ready to go further, API integration can make this effectively touchless for your team: accounts flow in automatically under your rules, and collectors focus only on the exceptions and queries that need a human. Phase 3 ## Global standardization ### Timeframe: at your pace For enterprises operating across multiple regions, this optional phase allows you to apply one consistent leverage model wherever you choose to use it. Align policies and thresholds across countries and business units Roll out a standard leverage model across selected past-due portfolios Embed the metrics into your existing reporting (DSO, write-offs, DCA spend, etc.) ### This means you can run a consistent leverage model across the UK, US, and other regions where you operate — without separate projects for each market. #### Debt Register Supports: Global time zones and public holidays • Multilingual debtor communications • Multi-currency portfolios[](#) ## Implementation ownership and governance Implementation is anchored in your existing structure, not ours. In most enterprises it sits with AR / O2C, with light support from IT and InfoSec for data and security sign-off. ##### Whether ownership sits in shared services, regional credit, or GBS, day-to-day control of the program stays with your AR and collections teams — not IT. ## Integration options ### Start simple, automate when it makes sense You don’t need heavy IT to start. You choose the level of integration that fits where you are: ### CSV / bulk file upload Fastest route to go live - Ideal for the free trial and initial rollout ### SFTP Scheduled imports/exports - Minimal IT effort - Works well in shared service environments ### API Deeper automation - Integrates with ERP / collections platforms - Enables effectively touchless collections once the program is proven ### In practice, clients start with CSV or SFTP on a defined portfolio, then move to API integration only when volume and automation justify it. ## What changes for your AR and collections teams? ### Debt Register is designed to sit inside existing AR and collections workflows, not create a second system your teams have to live in. ### Day-to-day, your teams: - Select accounts that meet your criteria (age, size, risk, behavior) - Load them into Debt Register (or approve an automated feed) - Receive queries and disputes surfaced via the portal and email, then manage them in your existing systems - Continue to work in their existing systems for normal chasing activity ### They do not: - Wait for a third party to remit payments — cash continues to come directly to you - Manage a separate system — everything stays within your existing AR tools - Escalate the same volume of files to external agencies — fewer accounts will require third-party involvement #### Payments are made directly to your bank. Disputes and queries are made available back into your own systems, via file or API, so your teams can manage them where they already work. ## Risk, governance, and change management ### Debt Register is built to satisfy enterprise governance from day one. #### No payment handling: we never receive, hold, or route your funds – all payments go directly to you #### No speculative upfront spend: start with a free, live trial on your own data; continue on a fixed, capped commission only when the value is proven, giving you instant ROI #### No system replacement: we don’t replace your ERP, billing, or collections system – we sit alongside them as a leverage layer before external collection agencies or legal escalation #### Configurable control: separate roles for who loads portfolios, who approves, and who triggers the consequence; full audit logs #### Security & compliance ready: cloud-based enterprise platform, hosted on AWS and certified to ISO 27001 #### Full control: you decide what enters Debt Register, when leverage is applied, and maintain all lines of communication ### Change Management is intentionally light: clear criteria, clear rules, simple reporting that shows internal recovery uplift, DCA reduction, and write-off impact. ## FAQs How quickly can we go live? Your trial is live in under an hour. Once your team sends a CSV or SFTP file, we support the upload live and your selected portfolio is active immediately. Post-trial rollout can start straight away. Training runs in groups of 6–8, takes around an hour per group, and brings each team live as soon as their session is complete. How much IT involvement is required? Very little. Initial go-live needs only a file export and secure transfer. CSV or SFTP is enough to start, with no system changes and no disruption. API integration is available and can be added when you are ready to deliver touchless collections for your team. Do we need to change or switch off our existing collections or dunning tools? No. Debt Register sits alongside your existing systems as a leverage layer before agencies. Your current collections, dunning, and dialer tools continue as normal — nothing needs to be replaced. What happens to our existing debt collection agencies? You keep them. Debt Register resolves more past-due accounts internally, which reduces how many files you need to escalate. Agencies stay in place for the accounts that genuinely need them, but you can expect both the volume sent to them — and their costs — to reduce sharply. How do we bring additional regions or business units on board? You start with one defined portfolio. Once the model is proven, adding regions or business units is a configuration and training exercise — not a new project. Debt Register is multilingual and supports any currency, and has collected debts from 136 countries. The platform is ready for international collections from go-live with no extra lift. What changes for our AR and collections teams? Your teams keep full control and continue using their existing AR systems. They select accounts, load them into Debt Register (or approve an automated feed for API users), and manage any queries in the tools they already use. Teams typically see efficiency increase quickly, resolving more past-due accounts internally and faster. What if we choose not to continue after the trial? Nothing changes. Your existing processes stay exactly as they are, with no disruption and no dependency on Debt Register. The trial is designed to be risk-free, using your live past-due accounts with no system changes, no upfront cost, and no operational impact if you decide not to move forward. There’s nothing to unpick. ## Instant leverage. Get paid in days, not months. [Speak to an expert](/book-a-call/) [Start a free trial](/free-trial/) --- ### [Company](https://debtregister.com/company/) **Published:** February 5, 2025 **Author:** support **Content:** # About the Company ## Debt Register is the world’s first Leverage-as-a-Service™ (LaaS) platform engineered to make collecting any past-due balance cost-effective. Proven across Fortune 500 and FTSE 100 organisations, it delivers significant cost and efficiency savings by accelerating internal recovery, reducing reliance on external agencies, and increasing net collections — all while keeping every payment routed directly to the client. [Speak to us](/contact/) Our Mission "Maximize retained profits by reducing write-offs, third-party costs, and internal resource drain." Debt Register is defining the new standard in enterprise collections: a modern leverage layer that works alongside existing AR and O2C systems to resolve past-due accounts faster, at lower cost, and at scale, with global consistency. ## Leadership Team ### A global leadership team combining credit management expertise, enterprise SaaS scale, deep operational excellence, and world-class engineering capability. ![Gary Brown](https://debtregister.com/wp-content/uploads/2026/03/Garyb.jpeg) ### Gary Brown Founder [](https://www.linkedin.com/in/gary-brown-debt-register/) Gary Brown is a credit management and business strategy leader with over 30 years of experience in commercial collections and B2B finance. Starting his career in credit control — following in his mum’s footsteps — and rising to Credit Manager, he went on to become the sole founder of Financial Recoveries, now one of the UK’s leading commercial debt recovery agencies. As Founder, Gary drives strategic vision, market positioning, and innovation. He is the architect behind the Leverage-as-a-Service™ model and a recognised voice across the credit industry. His deep experience with global commercial debt — combined with first-hand insight into the budget and resource constraints faced by credit professionals — shaped Debt Register as an easy-to-adopt, high-impact, low-risk solution for enterprise AR teams. Read more ![Ahmed Zghari](https://debtregister.com/wp-content/uploads/2026/03/Ahmedz.jpeg) ### Ahmed Zghari Chief Operating Officer [](https://www.linkedin.com/in/ahmed-zghari-793a152b1/) Ahmed Zghari is an operations and technology executive with 25 years of experience delivering enterprise software programmes across global infrastructure sectors. He co-founded the UK’s first mobile-cash platform — later acquired by Standard Chartered for £100 million — and has led multi-partner R&D initiatives with SAP, Oracle, and IBM. At Debt Register, Ahmed oversees global operations, procurement, governance, and compliance. He ensures seamless enterprise integration, alignment with global data laws, and chairs the company’s Executive Delivery Board responsible for deployment quality, scale, and operational excellence. Read more ![Carlo Catemario](https://debtregister.com/wp-content/uploads/2026/03/Carloc.jpeg) ### Carlo Catemario Chief Technology Officer [](https://www.linkedin.com/in/carlo-catemario/) Carlo Catemario is a seasoned technology leader with more than 15 years of experience across full-stack development, cloud-native architecture, and AI-enabled automation. Having joined Debt Register as Lead Developer, he now leads the company’s full technology strategy and innovation roadmap. As CTO, Carlo oversees platform architecture, high-availability infrastructure design, security engineering, and delivery excellence. He is responsible for scaling the platform’s global leverage engine, microservices ecosystem, and AI-driven enrichment capabilities. Read more ![Allison (Ali) Upton](https://debtregister.com/wp-content/uploads/2026/03/1762278012732.jpeg) ### Allison (Ali) Upton Chief Marketing Officer [](#) With more than 20 years of experience as a CMO across recruitment, SaaS and consultancy, Allison brings deep expertise in customer experience, brand leadership and strategic partnerships. She has led marketing at executive level, helping organisations strengthen customer engagement, build trusted industry relationships, and create marketing ecosystems that support long term value. Allison works closely with Debt Register’s partners to elevate customer experience, foster meaningful collaboration across industry networks, and develop marketing initiatives that strengthen community impact. Her approach is relationship driven, insight led and grounded in practical execution. Read more ## Governance & Enterprise Trust ### Debt Register is built for the governance, security, and operational scrutiny of global enterprises. Our platform supports AR, O2C, IT, InfoSec, procurement, and finance teams with clear, transparent risk controls and a compliance-first architecture. ### Security & Compliance Standards - ISO 27001 certified, hosted on AWS - Zero payment handling — funds go directly to client bank accounts - Role-based permissions with full audit trails - GDPR, CCPA, and global data protection alignment - Ethical AI controls governing validation, enrichment, and translation ### Operational Governance - Non-disruptive: complements ERPs, billing, dunning systems, and agency models - Full client control of escalation and consequence delivery - Enterprise-grade integration pathways (CSV, SFTP, API) - Transparent reporting and internal oversight ### Debt Register’s governance framework reduces operational risk, accelerates procurement approval, and ensures a dependable enterprise partner capable of supporting large-scale AR and O2C programmes. ## Our Leadership Principles #### Performance over activity Leverage resolves more accounts internally than effort alone. #### Transparency as standard Clients retain full control of process, communication, and payment flow. #### Security-first engineering Compliance and data protection underpin every layer of the platform. #### Global from day one Multilingual, timezone-aware, public-holiday intelligent by default. #### Leverage over effort Because consequence changes behaviour; chasing does not. ![](https://debtregister.com/wp-content/uploads/2026/02/advisory.jpg) ## Advisory & Industry Input ### Debt Register is supported by senior advisors from the credit, SaaS, and enterprise finance sectors, ensuring the platform continually aligns to best practice in AR/O2C operations, compliance, and international collections regulation. ## Instant leverage. Get paid in days, not months. [Speak to an expert](/book-a-call/) [Start a free trial](/free-trial/) --- ### [Security & Compliance](https://debtregister.com/security-compliance/) **Published:** February 7, 2025 **Author:** support **Content:** Last Reviewed: 2025-12-10 Owner: Security & Compliance Team # Security & Compliance Enterprise-grade, audit-ready, and built for AR and O2C teams that cannot compromise on security, governance, or data integrity. Debt Register enhances your existing operations without changing how you manage data, governance, or payments — All payments are received directly to your bank every time. We provide the leverage; you stay in full control. 1 ## Platform Security ### Debt Register is engineered for organisations requiring predictable governance, high availability, and enterprise-level protection. ### Certified & Enterprise-Ready - ISO 27001–certified Information Security Management System - Hosted on AWS using secure, resilient, globally distributed infrastructure - Continuous monitoring, internal audits, and risk assessment controls - Segregated development, staging, and production environments - AWS-native redundancy, failover, and disaster resilience ### Encryption & Access Controls - Data encrypted in transit (TLS) and at rest - Secure authentication with role-based permissions - SFTP and API options for automated secure data flows - Strict environment boundaries and advanced firewall/IDS/IPS controls ### Non-Custodial Architecture Debt Register never receives, holds, or routes funds. Payer Direct Your Bank Payments always move payer → directly to your bank, simplifying compliance reviews and eliminating custodial exposure across US, UK, EU, and global frameworks. 2 ## Data Management, Processing Integrity & Privacy ### Debt Register maintains transparency, accuracy, and full client ownership throughout the data lifecycle. ### Operational Principles - No system replacement - No ERP disruption - No integration required to start - No modification of client accounting systems - Zero access to customer banking data - Enriched contact data returned for client use ### Data Lifecycle - Past-due accounts submitted via CSV, SFTP, or API - Email validation and contact enrichment performed at upload - Debtors communicate directly with your team through the secure portal - Engagement insights returned to your systems - Payments always made directly to you - No platform dependency after trial — no workflows or system changes to unwind ### Data Retention - Retained only for the leverage cycle, reporting needs, and legal obligations - Configurable retention periods - Secure deletion processes aligned to ISO standards 3 ## Governance, Controls & Auditability #### Debt Register mirrors enterprise governance structures without adding operational drag. ### SOX-Ready Controls Uploads, escalations, pauses, closures, record changes, and administrative actions are logged with user identity and timeline traceability for audit and compliance teams. #### Governance Capabilities Configurable role-based access Optional multi-step approvals Client-controlled triggers, thresholds, and consequence settings Role separation for uploads, approvals, escalations, and admin functions Full audit logs for every key action — timestamped and exportable Consistent enforcement of credit, risk, and outreach rules Zero dependency on third-party collection agencies 4 ## Privacy, Global Compliance & Legal Position ### Built for global deployment from day one. ### Privacy & Data Protection - Defined processors and processing purposes - GDPR-aligned data handling - ISO 27001–governed processing controls - Configurable data-region restrictions - Documented retention and deletion standards ### Global Operational Compliance - Full language and currency support - Automatic translation of debtor replies - Time-zone intelligent and public-holiday-aware workflows ### Regulatory Boundaries Debt Register DOES NOT: act as a debt collection agency initiate, route, or handle payments This architecture aligns to compliance expectations across US, UK, EU, and global governance frameworks. 5 ## Certifications, Documentation & Assurance ### Debt Register meets the assurance and documentation expectations of procurement and risk teams. ### Certifications - ISO 27001–certified ISMS - AWS enterprise security and resilience controls ### Assurance & Documentation - Vendor-risk documentation available - Architecture aligned with enterprise security frameworks - Controls governed by a single internal source of truth - Regular updates for audit readiness and procurement consistency 6 ## Zero-Disruption Implementation A key component of our compliance posture is ensuring adoption creates no operational risk. Live in under an hour No system changes required No integration required to start API available once value is proven Governance remains unchanged and under client control ## Summary: Enterprise Security Without Operational Drag ### Debt Register delivers: Zero-Trust Architecture Automated Compliance Real-Time Threat Detection Seamless Integrations Role-Based Access Zero Latency Overhead ### A security and compliance model designed for enterprise AR teams using Leverage-as-a-Service™. ## Instant leverage. Get paid in days, not months. [Speak to an expert](/book-a-call/) [Start a free trial](/free-trial/) --- ### [Why Debt Register?](https://debtregister.com/why-debt-register/) **Published:** February 19, 2026 **Author:** Marc **Content:** # Why Debt Register? Enterprise credit teams are expected to maximize cash collection with constrained headcount, tight budgets, rising workloads, and systems that mostly increase activity, not impact. Even with strong dunning, automation, and debtor insight, later-stage past-due recovery still leans on manual work. The result: high-cost chasing, avoidable write-offs, and critical accounts stalling during the exact recovery window when speed matters most. [About the company](https://debtregister.com/company/) #### Chase systems improve organization, but they do little to change debtor behavior or the priority of your past-due invoice. As balances age, collectability drops. Long-tail and lower-balance accounts are routinely deprioritized or written off as “not cost-effective to pursue.” At the same time, enterprises spend billions globally on third-party agencies to recover accounts that could often have been resolved internally if the right leverage existed. ### Beneath this is a structural truth: Effort only scales by adding more resource. The right leverage scales independently of headcount. ## In most enterprises, one quiet factor erodes outcomes long before an account is escalated: hesitation. ### Not because teams lack discipline, but because the escalation model itself creates drag. That drag comes from three predictable pressures: ### Unpredictable third-party cost Escalating too early feels risky. Escalating too late costs money. That tension slows decisions during the most critical phase of the collection cycle. ### Operational bandwidth Stretched teams must prioritize aggressively. Lower-balance accounts are often pushed down the queue, and escalation becomes another task competing for attention instead of a fast, default action. ### Approval and workflow friction Many enterprises still route escalation through legacy approval chains. Even when a collector knows an account needs leverage, internal machinery slows the trigger. ### These are not signs of weak teams. They are signs of a leverage model that has not kept pace with the scale and complexity of modern receivables. #### High-performing AR teams do not win by out-chasing everyone else. They win because they redesign the leverage layer. They move to an operating model that: - Removes cost uncertainty, so escalation is a clean operational decision - Strengthens contact accuracy before outreach begins - Creates short, predictable decision points for debtors - Reduces reliance on external agencies to deliver consequence - And routes every payment directly to the business ##### This shift changes the psychology of escalation, not just the workflow. Teams regain speed and consistency. More accounts resolve internally, at lower cost and higher net yield. ## Debt Register is built on that shift. ### We believe leverage — not effort, not more automation, and not more staff — is the strongest driver of payment. Debt Register gives enterprise credit teams a leverage layer they control: a consequence-based escalation they can deploy early, across any balance band, at scale, and without the friction, cost uncertainty, or delays inherent in third-party escalation. It is a model engineered to drive resolution, reduce cost, and make every balance — including long-tail and lower-value accounts — economically worth collecting. Our Mission Debt Register exists to remove the hesitation, bandwidth constraints, and cost barriers that effort alone can never solve. ## FAQs Why do enterprise credit teams delay escalating past-due accounts? Because cost uncertainty, workload pressure, and legacy approval chains slow decisions during the most critical collection window. Why does effort become less effective after 90+ days past due? After 90 days past due, recovery becomes progressively harder. Engagement drops, consequence is low, and contact effectiveness declines as underlying account information ages — from outdated emails to missing decision-makers or incomplete context. These small data gaps accumulate over time, reducing the efficiency of repeated internal outreach. Why are long-tail and lower-balance accounts so often written off? Because traditional escalation models make smaller balances too expensive to pursue, even though many are still collectible with the right leverage layer. Why do enterprise debt collection agencies recover accounts internal teams have chased for months? Because agencies introduce third-party leverage — but typically late in the cycle and at higher cost than an internal, controlled leverage model. Why don’t chase systems and automation fix late-stage recovery? Because they organize and scale effort, but they do not create the decision point that drives payment. Only leverage changes debtor priority. ## Instant leverage. Get paid in days, not months. [Speak to an expert](/book-a-call/) [Start a free trial](/free-trial/) --- ### [Product](https://debtregister.com/product/) **Published:** February 5, 2025 **Author:** support **Content:** # Leverage-as-a-Service™ for enterprise AR teams Debt Register is the proven enterprise leverage layer that drives faster, consistent internal recovery of past-due accounts — delivering efficiency gains that pay back immediately, with no system changes required. The platform delivers clean data, clear visibility, the right leverage, and faster payment resolution — all under your team’s full control at enterprise scale. You start with a free live trial, then move into a capped annual fee for unlimited debt uploads — funded by performance in the first year — delivering instant ROI and making implementation and budgeting frictionless. [Start a free trial](/en-us/free-trial/) ![Johnson Controls](https://debtregister.com/wp-content/uploads/2026/03/Johnson-Controls.png) ![OnTheMarket](https://debtregister.com/wp-content/uploads/2026/03/OnTheMarket.png) ![OnTheMarket](https://debtregister.com/wp-content/uploads/2026/03/Thermo-Fisher.png) ![Sunbelt](https://debtregister.com/wp-content/uploads/2026/03/Sunbelt-Rentals.png) ![Rentokil](https://debtregister.com/wp-content/uploads/2026/03/Rentokil-Initial.png) ![Henry Schein](https://debtregister.com/wp-content/uploads/2026/03/Henry-Schein.png) ![ADT](https://debtregister.com/wp-content/uploads/2026/03/ADT-Security-Systems-1.png) ![Commscope](https://debtregister.com/wp-content/uploads/2026/03/CommScope.png) ![Informa](https://debtregister.com/wp-content/uploads/2026/03/Informa.png) ## Proven leverage that reduces past-due accounts from day one ### Debt Register activates at the point your past-due accounts stall — giving your team leverage that increases efficiency, accelerates collections, and reduces what needs external escalation. ### Your Internal AR team: - Can select and load accounts that meet your criteria - Deliver pending leverage in one click - Update payments in bulk - Manage all queries in the systems they already use ### Debt Register does not: - Replace your ERP, billing, or dunning tools - Interrupt your workflows - Receive direct payments - Create a second system for your team - Replace agencies or legal routes — it simply reduces the volume you pass to them ## Global from go-live — zero extra lift ### Debt Register is multilingual, supports any currency, and has collected past-due accounts from 136 countries. ### Global capability is live from day one: Time-zone and public-holiday intelligence Automatic translation (debtor language ↔ your team’s language) A consistent leverage cycle across every region you use it in ### No new process. No extra lift. Global from day one. ## Clean data that drives real engagement ### A large share of past-due accounts fail because contact data is wrong, not because debtors refuse to pay. Debt Register fixes this automatically: Validates emails at upload Identifies dead or invalid contacts Enriches data where needed Passes improved contact data back into your systems ### Improved data means stronger reach, clearer engagement, and faster internal recovery — with zero extra effort from your team. ## The 7-day leverage cycle ### Each account enters a structured, time-bound leverage cycle that creates urgency without damaging customer relationships or outsourcing control. #### The platform: 1 Sends tracked, time-bound leverage notices 2 Directs debtors to a secure self-serve portal 3 Enables debtors to record payment or raise a dispute 24/7 4 Sends payment and query notifications directly to your team Triggers a consequence if no action is taken within the cycle ##### Improved data means stronger reach, clearer engagement, and faster internal recovery — with zero extra effort from your team. ![](https://debtregister.com/wp-content/uploads/2026/02/laptop2.png) ## Operational control remains with your team #### Debt Register sits inside your AR process. You control: Which accounts enter the leverage cycle When leverage is triggered How accounts are paused, updated, or escalated User roles, approval rights, and governance How outputs and insights flow into your reporting ##### Payments always go directly to your bank. Customer relationships stay with your team. ## Integrate at your pace ### Choose the integration level that fits where you are today: ### CSV / bulk upload - fastest route to go live - ideal for the free trial and early rollout ### SFTP - scheduled imports/exports - minimal IT effort - ideal for shared services ### API - deeper automation when volume and workflow justify it - enables near-touchless internal recovery once the program is proven ### Most enterprises start with CSV or SFTP and move to API when they are ready to automate at scale. ## Customer Proof ![Mauricio Mustre](https://debtregister.com/wp-content/uploads/2026/03/Mauricio-Mustre.png) #### Mauricio Mustre Manager & Global Process Owner - Late Collections Johnson Controls “ Adopting Debt Register made our collections process more efficient and is already reflected in high projected savings this year. Our biggest concern was whether success rates would drop, but in practice they have remained comparable to our previous vendor and in some cases even higher. The low-risk trial made it easy to test the service and build confidence before committing. The platform also proved flexible, adapting from the UK to North America with minimal changes and working effectively across different markets and entities. [Read Case Study →](/johnson-controls-case-study-streamlining-global-receivables-for-a-fortune-500-industry-leader/) ![Ronald Matley](https://debtregister.com/wp-content/uploads/2026/03/Ronald-Matley-headshot.png) #### Ronald Matley Director of Credit Services Sunbelt Rentals “ Debt Register helped us engage difficult accounts earlier while providing a strong alternative to higher priced and more aggressive agencies. Implementation was straightforward and results came quickly. Accounts paid through Debt Register were resolved faster and at a much lower cost than sending them to an agency. Even early in adoption it has improved how we use agencies and made our collections strategy more efficient, and the low-risk trial made it easy to see the impact firsthand. [Read Case Study →](/sunbelt-rentals-case-study-66-recovery-success-and-4-78m-in-estimated-annual-savings/) ![Stefan van Beneden](https://debtregister.com/wp-content/uploads/2024/12/Stefan-van-Beneden.jpeg.webp) #### Stefan van Beneden Senior Director, Credit & Collections CommScope “ Debt Register has been a game-changer for CommScope. It’s fast, reliable, and gives us an edge by accelerating payments and improving our team’s efficiency. The ease of use and global functionality make it an invaluable tool in our credit operations. [Read Case Study →](/commscope-case-study-streamlining-global-credit-operations-for-a-fortune-500-leader/) ## Enterprise-grade governance ### Debt Register is built for enterprise finance, IT, and InfoSec requirements: ISO 27001 certified and hosted on AWS No payment handling — we never receive, hold, or route your funds No system replacement — we sit alongside ERP, billing, and collections tools Configurable roles and approvals Full audit trails for key actions No dependency if you decide not to continue ### Everything anchors into your existing structure — not ours. ## Built to boost team performance and morale ### By resolving more past-due accounts internally, collectors: Close more accounts themselves Spend less time on low-value chasing Escalate fewer files externally See higher success rates across their portfolios Experience higher morale and less stress ### The result is higher net collections at lower cost — with a measurable lift in team morale and performance. ## Ready to see the platform in action? [Schedule a call](/en-us/free-trial/) [Book a free trial](/book-a-demo/) ## FAQs Who in our organization actually uses Debt Register? Debt Register is used day-to-day by your AR and collections teams — the people actively working past-due accounts. It can also be used by your internal escalation team for harder-to-collect accounts, depending on how you structure ownership. Does this replace our existing collections or dunning system? No. Debt Register sits alongside your existing AR, billing, and dunning tools as a leverage layer before external escalation. Your current systems stay exactly as they are — Debt Register enhances them; it doesn’t replace them. How does Debt Register integrate with our ERP and collections stack? Most enterprises start by sending CSV or SFTP files from their ERP or collections system and receiving updated statuses back the same way. When they're ready, they move to API-based integration for automated, touchless collections. Is the platform only suitable for lower-balance or long-tail accounts? No. Debt Register works across all balance bands — from micro-balances as low as $3.07 through to high-value accounts up to $5.4M. We are confident that the leverage model is effective on any undisputed balance, regardless of size, because it applies the same consequence-driven approach across the entire past-due portfolio. Do we still use our third-party collections agencies? Yes. Debt Register is not a collections agency, and it doesn’t replace your existing partners. Instead, it acts as a powerful pre-agency leverage layer that resolves more past-due accounts internally — reducing how many files need escalation. For enterprises exploring alternatives to traditional third-party collections, Debt Register delivers faster responses, lower cost, and stronger control, while keeping your agency relationship in place for the smaller volume that remains. How does Debt Register make our AR and collections teams more efficient? Debt Register makes your AR and collections teams more efficient by reducing the resource drain that comes with serving past-due accounts. Your teams keep working in the systems they already use — selecting accounts, managing queries, and updating payments — but the platform creates the leverage and structure that speeds up responses and clears more past-due accounts with the same effort. The result is higher productivity, fewer external escalations, and a measurable uplift in collector performance. Where does Debt Register sit in our security and compliance framework? Debt Register is delivered as a secure, cloud-based enterprise platform, hosted on AWS and certified to ISO 27001. It does not replace your ERP or finance systems; it connects to them. All data handling, access controls, and certifications are detailed on our Security & Compliance page and can be reviewed as part of your standard vendor risk process. ## Instant leverage. Get paid in days, not months. [Speak to an expert](/book-a-call/) [Start a free trial](/free-trial/) --- ### [Terms and Conditions](https://debtregister.com/terms-and-conditions/) **Published:** February 7, 2025 **Author:** support **Content:** ![](https://debtregister.com/wp-content/uploads/2024/11/arrows.png) # Terms and Conditions By registering to use the services of Debt Register Ltd (“Debt Register”) for the purposes of collecting and reporting Your debts You are agreeing to the terms and conditions (“Conditions”) set out below. ## 1. Parties 1.1 This Agreement is made between: (1) Debt Register, a company (company number 11997813) incorporated in England and Wales with its offices at Rosebery House, 59 East Street, Epsom, Surrey, KT17 1BP (“Debt Register”); and (2) Claimant: The person or entity identified in the applicable Schedule who registers to use the Platform (“Claimant”). 1.2 Each a “Party” and together the “Parties”. # Debt Register – Master Terms These Master Terms (the “Terms”) form part of the Agreement between the Parties identified in Section 1 (Parties). Any Schedules, if applicable, incorporate and are governed by these Terms. ## 2. Interpretation & Definitions 2.1 Capitalised terms have the meanings set out below or as otherwise defined in the Agreement. Defined terms in any Schedule shall have the meanings given in these Terms unless expressly stated otherwise. 2.2 Key Definitions: • “Platform” means Debt Register’s Leverage-as-a-Service software platform made available via the application Website. • “Services” means access to and use of the Platform and any Deliverables, as further described in Section 4 and applicable Schedules. • “Claimant” means the customer entity entitled to use the Platform under the Agreement. • “Defendant(s)” means persons or entities who owe money to the Claimant. • “Debts” means unpaid debts uploaded by the Claimant (including disputed debts unresolved after attempts at resolution). • “Deliverables” means documents, data, reports and other materials developed by Debt Register in relation to the Services. • “Enrichment Services” means supplementary services to enrich Customer Data, if purchased. • “Charges” means fees payable by the Claimant, as set out in Schedule 1 (if applicable). • “Services Start Date” means the date specified in Schedule 1. • “Term”, “Initial Term”, and “Renewal Term” have the meanings given in Section 3. ## 3. Commencement & Term 3.1 The Agreement commences on the Commencement Date and continues for the Term. 3.2 Unless otherwise stated in Schedule 1, the Agreement auto-renews for successive twelve (12) month Renewal Terms unless either Party gives not less than three (3) months’ written notice prior to the end of the then-current term. ## 4. Supply of Services 4.1 Debt Register shall provide the Services with reasonable care and skill. The Platform enables Claimants to upload Debts (with full contact details and breakdowns) and to seek payment from Defendants. 4.2 Subject to Section 7 and applicable law, Debt Register may communicate with Defendants by email (and, where agreed in Schedule 1, by letter or other means). If a Debt remains unpaid after communications, Debt Register may report the default to credit reference agencies as permitted by law. 4.3 Claimants can view and download data and any available reports from the Platform at any time during the Term, subject to the Agreement. 4.4 Service Levels & Support. Any target resolution times, response times, or service levels (“SLAs”) provided in a Schedule, handbook, or SOC2 report are non-binding objectives only. Debt Register shall use commercially reasonable efforts to meet such SLAs; however, failure to meet specific timelines shall not constitute a material breach of this Agreement and shall not give rise to any service credits or financial penalties unless expressly agreed otherwise in writing. ## 5. Enrichment Services 5.1 Where purchased (see Schedule 1), Debt Register shall provide Enrichment Services. Details of scope and any included credits are set out in Schedule 1. 5.2 Enrichment Services are supplementary and do not constitute legal, financial or professional advice. The Claimant is responsible for validating any outputs. ## 6. Fees & Payment 6.1 Charges and commercial variables are as set out in Schedule 1 (Quotation) where applicable; during any free evaluation, Schedule 2 (Trial Terms) applies. 6.2 Invoices are payable within thirty (30) days of the invoice date. Charges are exclusive of VAT, which shall be applied at the prevailing rate. 6.3 Debt Register may suspend the Services for non-payment on reasonable notice, without prejudice to its other rights. ## 7. Communications with Defendants 7.1 The Claimant is responsible for the accuracy and legality of Debts and associated data and for ensuring that communications comply with applicable laws. 7.2 Communications will use templates approved by Debt Register; custom templates may be used where agreed in writing. ## 8. Data Protection & Confidentiality 8.1 Each Party shall comply with applicable data protection laws. Where the Platform processes personal data on behalf of the Claimant, the Parties agree to the Data Processing Addendum referenced by these Terms. 8.2 Each Party shall keep confidential all non-public information obtained in connection with the Agreement and use it only for the purposes of performing the Agreement. ## 9. Intellectual Property 9.1 All intellectual property rights in the Platform and Deliverables remain with Debt Register and/or its licensors. No rights are granted other than as expressly set out in the Agreement. 9.2 Debt Register grants the Claimant a non-exclusive, non-transferable right to access and use the Platform for the Term in accordance with these Terms and the Schedules. ## 10. Acceptable Use & Data Rights 10.1 The Claimant shall not: (a) copy, modify, or create derivative works of the Platform; (b) resell, sublicense or provide access to third parties; (c) attempt to gain unauthorised access or perform security testing without consent; (d) use the Platform in a manner that infringes applicable law or third-party rights. 10.2 Service Improvement & AI Training. Notwithstanding any other provision of this Agreement, Debt Register shall have the right to compile, collect, analyze, and use Anonymized Data (defined as data that has been aggregated, de-identified, or otherwise anonymized such that it does not identify the Claimant, any Defendant, or any specific individual) for the purposes of: (a) providing, securing, and improving the Platform and Services; (b) developing new features, products, and functionality; and (c) training, tuning, and validating artificial intelligence and machine learning models. 10.3 Debt Register shall retain all intellectual property rights in such Anonymized Data and any models, insights, or derivative works created from it. The Claimant grants Debt Register a perpetual, worldwide, royalty-free licence to use the Claimant’s data to create Anonymized Data for these purposes. ## 11. Warranties & Disclaimers 11.1 Except as expressly stated, the Services are provided “as is” and “as available”. Debt Register disclaims implied warranties to the maximum extent permitted by law. ## 12. Liability 12.1 Neither Party limits or excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be limited by law. 12.2 Subject to Section 12.1, neither Party shall be liable for indirect or consequential loss, including loss of profits, goodwill, or data. 2.3 Cap. Subject to Sections 12.1 and 12.2, each Party’s aggregate liability arising out of or in connection with the Agreement in any Contract Year shall not exceed the total Charges paid or payable by the Claimant for that Contract Year. All claims in a Contract Year are aggregated for the purposes of this cap. During any Trial Period, the cap in Schedule 2 applies. During the Trial Period (if any), the liability cap shall be as set out in Schedule 2. ## 13. Suspension 13.1 Debt Register may suspend the Services immediately where required by law, for security reasons, for non-payment under Section 6, or for a material breach of the Agreement. ## 14. Termination 14.1 Either Party may terminate the Agreement on written notice if the other Party commits a material breach which is not remedied within thirty (30) days of notice. Either Party may terminate for insolvency events of the other Party. Trial termination rights are set out in Schedule 2. ## 15. Consequences of Termination 15.1 On termination, the Claimant’s right to access the Platform ends and all unpaid Charges become immediately due. Data export and retention are handled in accordance with Schedule 2 (during Trial) and otherwise as agreed in Schedule 1 or the DPA. ## 16. Order of Precedence 16.1 In the event of conflict: (a) during any Trial Period, Schedule 2 – Trial Terms prevails solely for evaluation matters; otherwise these Terms govern; (b) following conversion to paid services, these Terms prevail over Schedule 1 – Quotation & Commercial Terms. ## 17. Notices 17.1 Notices must be in writing and sent to the addresses set out for the Parties, or to such other address notified in accordance with this Section. ## 18. General 18.1 Assignment: Neither Party may assign the Agreement without the other’s consent (not to be unreasonably withheld), except that Debt Register may assign to an affiliate or in connection with a corporate transaction. 18.2 Subcontracting: Debt Register may use subcontractors; it remains responsible for their acts and omissions. 18.3 Force Majeure: Neither Party is liable for delay or failure caused by events beyond its reasonable control. 18.4 Changes: Updates to these Terms will be effective upon written agreement or as otherwise permitted in the Agreement. ## 19. Governing Law & Jurisdiction 19.1 The Agreement and any disputes arising out of or in connection with it are governed by the laws of England and Wales. 19.2 Each Party irrevocably submits to the exclusive jurisdiction of the courts of England and Wales. --- ### [Sitemap](https://debtregister.com/sitemap/) **Published:** October 9, 2025 **Author:** Marc **Content:** ![](https://debtregister.com/wp-content/uploads/2024/11/arrows.png) # Sitemap - **[2021](https://debtregister.com/2021/):** Jan Feb Mar Apr May Jun Jul Aug [Sep](https://debtregister.com/2021/09/ "September 2009") Oct Nov Dec - **[2022](https://debtregister.com/2022/):** [Jan](https://debtregister.com/2022/01/ "January 2009") [Feb](https://debtregister.com/2022/02/ "February 2009") Mar Apr May Jun Jul Aug Sep Oct Nov Dec - **[2024](https://debtregister.com/2024/):** Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov [Dec](https://debtregister.com/2024/12/ "December 2009") - **[2025](https://debtregister.com/2025/):** Jan [Feb](https://debtregister.com/2025/02/ "February 2009") Mar Apr May Jun [Jul](https://debtregister.com/2025/07/ "July 2009") Aug [Sep](https://debtregister.com/2025/09/ "September 2009") Oct Nov [Dec](https://debtregister.com/2025/12/ "December 2009") - **[2026](https://debtregister.com/2026/):** Jan [Feb](https://debtregister.com/2026/02/ "February 2009") Mar Apr May Jun Jul Aug Sep Oct Nov Dec --- ### [Recover Unlimited Low Balance Debts](https://debtregister.com/freewins/) **Published:** February 10, 2025 **Author:** Marc **Content:** # Save 50%+ on Third-Party Costs – Guaranteed. ## Our platform helps clients recover past-due accounts with over 50% savings per collection, delivering faster direct payments, improved efficiency, and immediate ROI. [Get Started for Free](/en-us/get-started-for-free/) [](#) ### We helped Johnson Controls cut their third-party collection costs by **52.7%**, **saving nearly $2 million annually**—all without upfront costs or outsourcing. ![](https://debtregister.com/wp-content/uploads/2024/12/arrows.png) ## Take the first step. Start collecting more, with less effort today. [Get Started for Free](/en-us/get-started-for-free/) [Learn more](/category/case-studies/) ## Seems Impossible, But It’s True. Process 10,000 debts in under 2 minutes with real-time data insights. 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Don’t just take our word for it—hear from our clients and see why they trust us to transform their operations. ![](https://debtregister.com/wp-content/uploads/2024/12/Angelica-Bontea.jpeg) ##### Angelica Bontea ###### Senior Finance Manager, Johnson Controls “Debt Register is an incredibly flexible and fast tool that delivers results. It allows us to collect cash more effectively, saving time and reducing frustrations. The team appreciates its ease of use and the immediate impact it has on our collections process.“ [Read more here](/johnson-controls-case-study-streamlining-global-receivables-for-a-fortune-500-industry-leader/) ![](https://debtregister.com/wp-content/uploads/2024/12/Matthew-Walters2.jpg) ##### Matthew Walters ###### Cash Lead, EMEA, Informa “Debt Register has been easy, successful, and motivational for our team. It fills a critical gap in our collections process, ensuring disputes are resolved and payments are collected quickly. The system’s simplicity and immediate impact made it an easy choice for Informa.” [Read more here](/informa-case-study-leveraging-debt-register-for-streamlined-collections-and-improved-cash-flow/) ![](https://debtregister.com/wp-content/uploads/2024/12/Stefan-van-Beneden.jpeg) ##### Stefan van Beneden ###### Senior Director, Credit and Collections, CommScope “Debt Register has been a game-changer for CommScope. It’s fast, reliable, and gives us an edge by accelerating payments and improving our team’s efficiency. The ease of use and global functionality make it an invaluable tool in our credit operations.” [Read more here](/commscope-case-study-streamlining-global-credit-operations-for-a-fortune-500-leader/) ## Free Trial With Zero Obligation [Get Started for Free](/en-us/get-started-for-free/) [Learn more](/category/case-studies/) --- ### [Privacy Policy](https://debtregister.com/privacy-policy/) **Published:** February 7, 2025 **Author:** support **Content:** ![](https://debtregister.com/wp-content/uploads/2024/11/arrows.png) # Privacy Policy We are Debt Register Ltd (“Debt Register”) and are committed to ensuring the privacy of any personal data you share with us, to protecting that personal data and to only using that personal data in accordance with your consents. This privacy policy will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you. This privacy policy is provided in a layered format so you can click through to the specific areas set out below. Please also use the Glossary to understand the meaning of some of the terms used in this privacy policy. ###### [1. Important information and who we are](https://debtregister.com/privacy-policy/#1) ###### [2. The data we collect about you](https://debtregister.com/privacy-policy/#2) ###### [3. How is your personal data collected?](https://debtregister.com/privacy-policy/#3) ###### [4. How we use your personal data](https://debtregister.com/privacy-policy/#4) ###### [5. Disclosures of personal data](https://debtregister.com/privacy-policy/#5) ###### [6. International transfers](https://debtregister.com/privacy-policy/#6) ###### [7. Data security](https://debtregister.com/privacy-policy/#7) ###### [8. Data retention](https://debtregister.com/privacy-policy/#8) ###### [9. Your legal rights](https://debtregister.com/privacy-policy/#9) ###### [10. Glossary](https://debtregister.com/privacy-policy/#10) ###### 1. Important information and who we are Purpose of this privacy policy This privacy policy aims to give you information on how Debt Register collects and processes your personal data through your use of this website, including any data you may provide through this website when you sign up to our newsletter or when you start using the Platform. This website is not intended for children and we do not knowingly collect data relating to children. It is important that you read this privacy policy together with any other privacy policy or fair processing policy we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This privacy policy supplements other notices and privacy policies and is not intended to override them. Controller Debt Register Ltd is the controller and responsible for your personal data (collectively referred to as “Debt Register”, “we”, “us” or “our” in this privacy policy). We have appointed a data protection officer (DPO) who is responsible for overseeing questions in relation to this privacy policy. If you have any questions about this privacy policy, including any requests to exercise your legal rights please contact the DPO using the details set out below. Contact details If you have any questions about this privacy policy or our privacy practices, please contact our DPO in the following ways: Full name of legal entity: Debt Register Ltd Email address: dpo@wordpress-717537-6208103.cloudwaysapps.com Postal address: Data Protection Officer, Debt Register Ltd, 86-90, Paul Street, London, United Kingdom, EC2A 4N You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK regulator for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance. Changes to the privacy policy and your duty to inform us of changes We keep our privacy policy under regular review. This version was last updated on 13 January 2021. It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us. ###### 2. The data we collect about you Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data). We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows: - Identity Data includes first name, maiden name, last name, username or similar and title. - Contact Data includes billing address, email address and telephone numbers. - Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website. - Profile Data includes your username and password. - Usage Data includes information about how you use our website and services. - Marketing and Communications Data includes your preferences in receiving marketing from us and your communication preferences. We also collect and use Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy. We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data). Nor do we collect any information about criminal convictions and offences. ###### 3. How is your personal data collected? We use different methods to collect data from and about you including through: - Direct interactions. You may give us your Identity and Contact Data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you: - - use the “Contact Us” feature; - register your interest by clicking the “Try for Free” button - create an account on the Platform; or - request marketing to be sent to you. - Automated technologies or interactions. As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies and other similar technologies. Please see our [cookie policy](https://debtregister.com/cookies/) for further details. - Third parties or publicly available sources. We will receive personal data about you from various third parties and public sources as set out below: - Technical Data from analytics providers such as Google based outside the UK. - Contact, Financial and Transaction Data from registered users of the Platform who are looking to enforce their debts. - Identity and Contact Data from publicly available sources such as Companies House and the Electoral Register based inside the UK. ###### 4. How we use your personal data We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances: - Where we need to perform the contract we are about to enter into or have entered into with you. - Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests. - Where we need to comply with a legal obligation. Click [here](https://debtregister.com/privacy-policy/#10) to find out more about the types of lawful basis that we will rely on to process your personal data. We will also get your consent before sending any direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us. Purposes for which we will use your personal data We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate. Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below. Purpose/activity Type of Data Lawful basis for processing including basis of legitimate interest To register you as a new customer (a) Identity (b) Contact Performance of a contract with you To process and deliver your order including: (a) Manage payments, fees and charges (b) Collect and recover money owed to us (a) Identity (b) Contact (c) Financial (business data not personal data) (d) Transaction (e) Marketing and Communications (a) Performance of a contract with you (b) Necessary for our legitimate interests (to recover debts due to us) To manage our relationship with you which will include: (a) Notifying you about changes to our terms or privacy policy (b) Asking you to leave a review or take a survey (a) Identity (b) Contact (c) Profile (d) Marketing and Communications (a) Performance of a contract with you (b) Necessary to comply with a legal obligation (c) Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services) To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) (a) Identity (b) Contact (c) Technical (a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) (b) Necessary to comply with a legal obligation To use data analytics to improve our website, products/services, marketing, customer relationships and experiences (a) Technical (b) Usage Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy) To enable our clients to recover debts from you (a) Identity (b) Contact Necessary for our client’s legitimate interests (to recover debts) Marketing We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising and will only send marketing communications where you have opted in to receive them. **Third Party Processors** Our carefully selected partners and service providers may process personal information about you on our behalf as described below: We periodically appoint digital marketing agents to conduct marketing activity on our behalf, such activity may result in the compliant processing of personal information. Our appointed data processors include: (I) Prospect Global Ltd (trading as Sopro) Reg. UK Co. 09648733. You can contact Sopro and view their privacy policy here: [sopro.io](http://sopro.io/). Sopro are registered with the ICO Reg: ZA346877 their Data Protection Officer can be emailed at: . **Third-party marketing** We do not share your personal data with any third parties for third party marketing. Opting out You can ask us to stop sending you marketing messages at any time by responding to the “unsubscribe” link on those messages. Cookies You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly. For more information about the cookies we use, please see our [cookie policy](https://debtregister.com/cookies/). Change of purpose We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us. If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so. Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law. ###### 5. Disclosures of your personal data Your personal data is backed up and hosted by Amazon Web Services (AWS) from their secure data centre in Ireland. AWS respect the security of your personal data and treat it in accordance with the law. We do not allow AWS to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions. ###### 6. International transfers We do not transfer your personal data outside the UK. ###### 7. Data security We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so. We are ISO27001 compliant. ###### 8. Data retention How long will you use my personal data for? We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you. To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements. By law we have to keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for six years after they cease being customers for tax purposes. In some circumstances you can ask us to delete your data: see [your legal rights](https://debtregister.com/privacy-policy/#9) below for further information. In some circumstances we will anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you. ###### 9. Your legal rights Under certain circumstances, you have rights under data protection laws in relation to your personal data. - - Request access to your personal data - Request correction of your personal data - Request erasure of your personal data - Object to processing of your personal data - Request restriction of processing your personal data - Request transfer of your personal data - Right to withdraw consent If you wish to exercise any of the rights set out above, please contact dpo@wordpress-717537-6208103.cloudwaysapps.com. No fee usually required You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances. What we may need from you We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response. Time limit to respond We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated. ###### 10. Glossary LAWFUL BASIS Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience or the legitimate interests of our clients. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our, or our client’s legitimate interests. We do not use your personal data for activities where our interests or those of our clients are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests and our client’s legitimate interests against any potential impact on you in respect of specific activities by contacting us Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract. Comply with a legal obligation means processing your personal data where it is necessary for compliance with a legal obligation that we are subject to. YOUR LEGAL RIGHTS You have the right to: Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it. Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us. Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request. Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms. Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: - If you want us to establish the data’s accuracy. - Where our use of the data is unlawful but you do not want us to erase it. - Where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims. - You have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it. Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you. Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent. [Privacy Policy](https://www.iubenda.com/privacy-policy/23608010 "Privacy Policy") --- ### [GDPR](https://debtregister.com/gdpr/) **Published:** February 7, 2025 **Author:** support **Content:** ![](https://debtregister.com/wp-content/uploads/2024/11/arrows.png) # GDPR Article 6(1)(f) gives us a lawful basis for processing where: “processing is necessary for the purposes of the legitimate interests pursued by the controller or by a third party except where such interests are overridden by the interests or fundamental rights and freedoms of the data subject which require protection of personal data, in particular where the data subject is a child.” This can be broken down into a three-part test, which we are happy to share on request, from your Debt Register representative. --- ### [Cookies](https://debtregister.com/cookies/) **Published:** February 7, 2025 **Author:** support **Content:** ![](https://debtregister.com/wp-content/uploads/2024/11/arrows.png) # Cookies **Privacy, Information Security and Governance Policy Group** Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer’s hard drive. Examples of purposes for which a cookie may be used: - Estimate our audience size and usage pattern. - Store information about your preferences, and so allow us to customise our site and to provide you with offers that are targeted to your individual interests. - Speed up your searches. - Recognise you when you return to our site. - Assisting you while you navigate our site. - Carry out analysis of your use of our services, applications, products, help and training files. - Carry out analysis of our promotional offers, sales and marketing efforts (including behavioural advertising). - Allow you to use our site in a way that makes your browsing experience more convenient, for example, by allowing you to store items in an electronic shopping basket between visits. If you register with us or complete our online forms, we will use cookies to remember your details during your current visit, and any future visits provided the cookie. We use the following cookies: - Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services. Cookie group Cookie Cookie Used Cookie lifespan (d) Debtregister.com pctrk 1st Party Session Debtregister.com Debtregister_session 1st Party Session Debtregister.com DR_user_role 1st Party Session .gstatic.com CONSENT 3rd Party 365 - Analytical or performance cookies. These allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily. Cookie group Cookie Cookie Used Cookie lifespan (d) Google _Secure-3PSIDCC 3rd Party 365 Google DSID 3rd Party 729 Google SIDCC 3rd Party 365 Google __Secure-3PAPISID 3rd Party 699 Google SAPISID 3rd Party 699 Google APISID 3rd Party 699 Google __Secure-3PSID 3rd Party 729 Google SSID 3rd Party 699 Google HSID 3rd Party 699 Google 1P_JAR 3rd Party 183 Google NID 3rd Party 5 Google OTZ 3rd Party 171 Google SEARCH_SAMESITE 3rd Party 5 Google OGP 3rd Party 6072 Google OGPC 3rd Party 192 Google ANID 3rd Party 192 - Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region). Cookie group Cookie Cookie Used Cookie lifespan (d) Google CONSENT 3rd Party 6072 Debtregister.com hubspotutk 1st Party 390 Debtregister.com __hstc 1st Party 390 Debtregister.com __hssrcD 1st Party Session If you do not enable these cookies some of the content, services and platform functionality may not be available to you. - Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. These cookies do not store directly personal information. The information will generally be used to identify your browser type and the type of device you are using to view content. Cookie group Cookie Cookie Used Cookie lifespan (d) LinkedIn Lang 3rd Party Session LinkedIn bscookie 3rd Party 731 LinkedIn lissc 3rd Party 365 LinkedIn bcookie 3rd Party 731 LinkedIn UserMatchHistory 3rd Party 30 LinkedIn lidc 3rd Party 30 Google.com NID 3rd Party 183 We do not share the information collected by the cookies with any third parties. You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website. Except for essential cookies or specified expiry periods, all cookies will expire after 365 days. 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