The investigation to locate seizable assets

He is the grand prize winner of the financial crisis. In business, his opinion is censorship or, on the contrary, except conduit: it is "credit manager", or sometimes simply the Chief Accountant. It is not uncommon now, that he cut off a business relationship and thus disclaims the commercial Director. As also the art of bringing money into the funds, this talent earned him the time hereinafter authority which had not always been acknowledged.

It is that the situation has reversed priorities. Not only worsen the difficulties of cash, but it is time that the credit insurers are choosing to opt out. In this context, a number of managers of SMEs found that it is illusory to pander to a good turnover at the level of deliveries if then the invoice remain due. But in fact, whatever the conditions, it is in absolute terms that a such awareness should be.

Any business should always be the maximum of opportunities to be paid. Office approach. This specialist of the recovery of trade receivables is brought to work on a daily basis to the sides of 'credit managers ". The occasion, he formed the accountants to diplomatic techniques of reminder of their obligations to the "Dizzy".

The head of Legal Affairs 30, it also employs detectives, the investigation and the spinning! On the ground, they test the debtors of bad faith. Including those who organise their insolvency while they could well fulfill their debt. But before engaging this extreme weapon, nothing beats the prevention. Good actions can be performed before even any commercial undertaking.

1 Sell customers envy to pay

The adventure of the enterprise is inseparable from taking risks. Sometimes, it takes to take beyond the standard if it is the price to pay to enter a market. But when the priority of the moment is to preserve the margins, then you need to know be defensive, even stop a bad commercial relationship.

Sometimes, that the invoice is never paid because it was poorly worded or addressed to an incorrect recipient. What mess waiting for the end of the 60 or 90 days after legal settlement to discover, by rolling the reminders that the origin of the non-payment from home!

But anyway, he should never let this period without having taken the initiative to recall the existence of his client. A satisfaction survey will serve as a good starting point. In case of dissatisfaction, efforts should be focused on the satisfaction of the end user before the expiry of the period. "The challenge is to urge the customer to pay," explains Denis Bossé.

When 60 days have passed, it is time to move on to phase 2 of treatment of the holdouts. It is important that this step is as short as possible. When a client starts to multiply payment delays, his attitude is likely to be the same towards all its suppliers. From several creditors, "it must arrange to be the first to get paid," noted Kérine Tran, lawyer at the firm ARC.

2. The judicial weapon of precautionary seizure

Once exhausted all appropriate preventive and amicable, it may be time to move to the cure, even if the major means. This is where that arrive on the scene detectives. A client argue difficulties to settle his debts: his company vans Mills show yet it continues to provide clients; itself is therefore creditor. The investigation to locate seizable assets. A folder can then be instructed to a motion to end of arrest. This requires an order. It gets to the President of the tribunal of commerce or judge of enforcement at the tribunal de grande instance.

However, the scene of arrest may be multiple: a bad payer must 180.000 euros; However there is evidence that three of his clients he must each 60,000 euros. Must be done simultaneously at these three sites so that the effect of surprise is total. This is why a network of bailiffs mesh territory. These speakers from the bench. In the majority of cases, they get immediately the amounts claimed. Otherwise, a judicial proceeding is initiated.

Of course, the mobilization of detectives and a network of bailiffs is a cost. This type of approach may be considered for litigation from 3,000 euros. Firms such as ARC pay as a percentage of the recovered claim. The rate is inversely proportional to the amount of money at stake.