The default costs are borne by the debtor in arrears, not by you. With incaseof.law, 100% of the principal claim belongs in your account. Everything runs digitally, from the first reminder to enforcement. The calculator shows it in seconds.
The calculator
You enter the amount of your outstanding claim and see immediately: 100% of the principal claim belongs to you, the default costs are borne by the debtor. The calculator is available for Austria and Germany.
What your customer owes you belongs entirely in your account after successful collection. No commission deduction.
The debt collection costs arising from the default are generally borne by the debtor in arrears, not by you as the creditor.
The cost logic applies to both markets, because we are a licensed debt collection institute in AT and DE.
The short answer
Debt collection costs are the costs arising from the payment default for collecting an outstanding claim. These costs are generally borne by the debtor in arrears, not by the creditor. With incaseof.law, the principal claim stays with you 100%: you submit the claim online, we handle the collection as a licensed debt collection institute, and you receive 100% of the claim in your account.
Amount and fee table
The amount of the debt collection costs depends on the amount of the outstanding claim and the effort of collection. The decisive factor is the default costs arising from the payment default. What matters for you: These costs are borne by the debtor in arrears, not by you as the creditor. With incaseof.law, your principal claim therefore stays with you 100%, regardless of how high the debt collection costs turn out to be.
Many creditors look for a debt collection cost table or fee table to estimate what is coming their way. The more important perspective for you as the client is a different one: who ultimately bears the cost. As long as the claim is justified and the debtor is in arrears, the default costs are their matter, not yours. For your calculation, therefore, only one number counts, and it is always the same.
Debt collection costs rise with the amount of the claim and the effort of collection, for example when a court step becomes necessary in addition to the out-of-court demand. Anyone looking for the table for themselves is really asking: what stays with me? With incaseof.law, you keep the full principal claim.
No matter which fee amount results from the claim and effort, your share does not change. You receive 100% of the principal claim. Instead of studying a fee table, you see in the calculator within seconds what stays with you: the full amount.
What you keep
The most common worry before placing an order is: ending up paying more than what comes back. Here you see in black and white what goes into your account with incaseof.law. Whether 500 euros from a small invoice or 50,000 euros from a project: your principal claim is not reduced, and the debt collection costs arising from the default are borne by the debtor in arrears.
Example calculation. Whether 500 € or 50,000 €: the principal claim stays with you 100%.
Example values for illustration. Your principal claim is not reduced, regardless of the amount.
Who pays
The debtor in arrears bears the debt collection costs arising from the default. Your principal claim remains entirely unaffected and belongs 100% to you, without deductions.
Anyone who does not settle a justified claim on time falls into default and generally bears the costs that arise for collection. This is not a special route by incaseof.law, but the basic principle: the effort was caused by the customer in arrears, not by you.
The principal claim is the amount your customer owes you. This amount does not become smaller through placing the order. What you receive in your account after successful collection is the full sum, without any share being deducted for the collection.
It is not about free in the sense of worthless. It is about your principal claim staying 100% yours. No success fee, no commission, no platform fee, no subscription on the claim. What you have demanded belongs entirely to you in the end.
The decisive point for you: even if the debt collection costs arising from the default turn out high, that changes nothing about your share. These costs are a matter between the debtor and the collection. Your principal claim stands separate from them and stays entirely with you.
Common worry
For you as the creditor, this creates no risk. Your principal claim stays unaffected and belongs 100% to you, regardless of the default costs that the debtor bears.
The worry that debt collection costs become too high or end up exceeding the principal claim mainly concerns the debtor's side. For you as the client, the logic reverses: the higher the default costs, the more the debtor in arrears pays on top of your claim, not you. Your share stays unchanged at the full principal claim. There is no mechanism by which high debt collection costs would reduce your paid-out amount, because these costs are not deducted from your claim.
This is exactly why with incaseof.law the question "what if the costs eat up the proceeds?" falls away. With the commission model this worry is justified, because there a share of your money is withheld. With us, the debtor bears the default costs, and you receive 100% of the claim. This is how the debt collection process works, from submission to payout.
From what amount
There is no minimum volume. Because the effort for you is minimal and the default costs are borne by the debtor, placing an order is worthwhile even for small and single claims.
Many creditors hesitate with small amounts because they fear the debt collection costs might not justify the proceeds. With incaseof.law, this calculation does not work out at your expense: your principal claim stays entirely with you, no matter how small it is. You do not have to wait until a larger amount has accumulated.
You can hand over even a single small invoice. You receive 100% of the claim, the default costs are borne by the debtor.
The most common case in B2B. You submit online, we collect, the full amount goes into your account.
Even high claims from projects are not reduced by a commission. 100% stays with you.
For accounting
Debt collection costs incurred in connection with a business claim generally count as business expenses and are deductible accordingly. With incaseof.law, this is usually not even relevant for you: since the debtor in arrears bears the default costs and your principal claim stays with you 100%, no deductible cost block arises on the claim for you.
If you are looking to book debt collection costs or deduct debt collection costs, it is usually about the question of how a cost block is treated in accounting. With the incaseof.law model, this block does not exist on your side at all: no share of your claim is withheld, no commission is deducted, and no platform fee is charged. The costs arising from the default are a matter between the debtor and the collection. For the specific tax treatment in your individual case, your tax advisor is the right point of contact.
In comparison, in euros
Many classic debt collection agencies work with a success commission that is deducted from the amount collected for the creditor, often between 15% and 30%. With incaseof.law, you receive 100% of your principal claim. The same example, an outstanding claim of 10,000 euros, looks like this depending on the model:
A share of your claim stays with the debt collection agency. What is left depends on the commission rate.
The full principal claim, without deductions. The default costs of collection are borne by the debtor in arrears.
The difference is not a question of negotiating, but of the model. With the commission model, the deduction from your claim is the business basis. With incaseof.law, the debtor in arrears bears the costs, which is why your principal claim stays unreduced. Example values for illustration, the commission rate varies by provider.
At a glance
The cost question is not decided by the commission deduction alone. Here you see the most important points for your claim at a glance.
Trust
The cost logic rests on a legally sound foundation, in Austria and Germany.
Officially authorized and regulated in Austria and Germany.
Our digital process is confirmed by the highest court.
Cost logic and calculator apply to both markets.
Collection directly from your accounting, court steps digital.
incaseof.law GmbH, Rathausstraße 21/13, 1010 Vienna. Registered in the commercial register of the Commercial Court Vienna, FN 505409 z. Managing Director Dr. Maximilian Kindler, LL.M., MBA.
Frequently asked questions
With incaseof.law, your principal claim stays with you 100%. The debt collection costs arising from the default are borne by the debtor in arrears, not by you as the creditor.
The debt collection costs are generally borne by the debtor who did not settle the claim on time. As the creditor, you are not charged with them, your principal claim stays entirely with you.
No. There is no success fee, no commission, no platform fee and no subscription on the claim. Unlike the widespread commission model, which withholds a share of your claim, with incaseof.law you receive 100% of your principal claim, without deductions.
The full 10,000 euros. With a commission model of, for example, 20%, around 8,000 euros would stay with you, 2,000 euros would be withheld. With incaseof.law, the principal claim stays unreduced, because the default costs are borne by the debtor.
For you as the creditor, this creates no risk. Your principal claim stays unaffected and belongs 100% to you, regardless of the default costs that the debtor bears.
You pay no success commission and no share of your claim, even if the collection remains unsuccessful. The default costs of collection are borne by the debtor in arrears.
Many classic debt collection agencies work with a success commission that is deducted from the amount collected for the creditor, often between 15% and 30%. With incaseof.law, you receive 100% of your principal claim, because the costs are borne by the debtor.
The amount depends on the amount of the outstanding claim and the effort of collection. The decisive factor is the default costs arising from the payment default, and those are borne by the debtor in arrears. For you as the creditor, only one number counts: you receive 100% of the principal claim, regardless of how high the debt collection costs turn out to be.
Creditors often look for a fee table to estimate what is left over. With incaseof.law, the answer for you is always the same, regardless of the amount: 100% of the principal claim. The default costs that result from the claim amount and effort are borne by the debtor. In the calculator you see your amount within seconds.
Debt collection costs in connection with a business claim generally count as business expenses and are deductible. With incaseof.law, however, no deductible cost block usually arises on the claim for you, because the debtor bears the default costs and your principal claim stays with you 100%. For your individual case, your tax advisor is the right point of contact.
There is no minimum volume. You can hand over even a small single claim, since the effort for you is minimal and the default costs are borne by the debtor. Whether 100 euros or 50,000 euros: your principal claim stays with you 100%.
Yes. incaseof.law is a licensed debt collection institute, operating in Austria and Germany, and the approach is confirmed by the OGH. Behind the offering stands incaseof.law GmbH, based in Vienna, registered in the commercial register of the Commercial Court Vienna. You are therefore handing your claim to a regulated partner, not to an anonymous service provider.
Yes. incaseof.law is a licensed debt collection institute in Austria and Germany, and the calculator as well as the cost logic apply to both markets. The approach is confirmed by the OGH. This is how you start debt collection online in just a few minutes.
See in the calculator what stays with you, and submit your outstanding claim online in just a few minutes. 100% of the principal claim for you. Your money belongs in your account.
Start debt collection Licensed debt collection institute, confirmed by the OGH, in Austria and Germany.Over 1,000 companies already trust our receivables management. We provide full support to our clients – from collection of single unpaid invoices to direct system integrations via API. We ensure efficient, legally compliant, and fully digital processes for your entire receivables management.
Book a first call and see for yourself why companies trust incaseof.law. We look forward to meeting you!
When faced with unpaid invoices, many entrepreneurs either reach straight for the 'legal sledgehammer' or do nothing at all. Both approaches are usually wrong. A modern, digital debt collection agency like incaseof.law solves problems before they end up in court. Spare yourself the financial risk of expensive litigation and opt for intelligent receivables management.
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