Information: the debtor is provided with information on the assignment of the debt to the recovery company and is called upon to repay the debt immediately (notices are sent by registered letter, e-mail or other known address). The debtor is urged to make immediate repayment of the existing debt: if agreement is reached at this stage, a repayment schedule is drawn up or a full repayment term is planned;

Pre-litigation process: notices are sent to the debtor by all means permitted by law and the parties to the debt are urged to reach a settlement on the repayment of the debt. If an agreement is reached, the term  of the debt repayment or a schedule for its repayment are planned. If the debtor cannot be contacted or it is impossible to reach an agreement with him or her, the pre-litigation process is terminated and preparations are made to settle the debt in court;

Legal proceedings: the person responsible for the case cooperates with the customer and seeks to collect as much evidence of debt as possible. If the available documents are sufficient, procedural documents for the payment of the debt are drawn up;

Post-trial proceedings: if a decision made by the court and entered into force or another document allows for forced debt recovery, the further process is completed in cooperation with bailiffs' offices, and the debtor may be subject to attachment of accounts and property.