How to collect debt through a public enforcement officer when a customer doesn’t to pay an invoice?

In Montenegro, more and more businesses are dealing with unpaid invoices. When a customer doesn’t pay on time, it directly affects your cash flow and day-to-day business.

The good news is that the law allows you to recover your money quickly and efficiently through a public enforcement officer.

This guide explains, step by step, how to collect a debt from an unpaid invoice, what documents you need, and what you can expect from the process.

WHEN CAN YOU START THE COLLECTION PROCESS?

You need to have proof that the debt exists. This can be:

• an issued and delivered invoice
• a signed delivery note or a document showing the goods were received

If the invoice is overdue and the delivery was done properly, you can start the collection process.

SENDING A FINAL WARNING

You can send a final warning before enforcement.
This shows good faith and often results in voluntary payment without extra costs.

SUBMITTING A REQUEST TO THE PUBLIC ENFORCEMENT OFFICER

If the debtor still doesn’t pay, the next step is to file a request for enforcement.
The request is submitted directly to a public enforcement officer.

WHAT CAN THE PUBLIC ENFORCEMENT OFFICER DO?

After receiving your request, the officer issues a decision and sends it to the debtor.
If the debtor doesn’t object on time, the officer starts forced collection.

The officer can:

• take money directly from the debtor’s bank accounts
• list, seize, and sell movable property (equipment, vehicles, etc.)
• register and sell real estate
• seize money that other companies or people owe to your debtor

All the collected funds are transferred to you, minus enforcement costs.

HOW LONG DOES IT TAKE?

It depends on the case and whether the debtor files an objection.
Simple cases can be finished in about a month, while complicated ones may take much longer — even years.

PRACTICAL TIPS FOR SUCCESSFUL COLLECTION

• Always attach signed documents and proof of delivery.
• Use exact dates and amounts.
• Suggest several enforcement measures (bank accounts, movable property, real estate).
• Keep written communication and proof of delivery.

If a customer doesn’t pay on time, you have every right to protect your business.
Collecting debt through a public enforcement officer is the fastest and safest way to get your money back.

The Perfectum team can help you:

• prepare the documents and successfully collect the debt

For consultation or support, contact us and find out how to collect what you're owed without delay.