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SIA GelvoraSergel is an international company and the part of the prestigious Swedish financial holding company Marginalen AB. The Scandinavian traditions and long-term experience in the financial and credit management market have made the company one of the debt recovery leaders in Latvia as well.

SIA GelvoraSergel is one of the leading extrajudicial debt recovery companies and one of the most active debt purchasers or implementers of cession transactions in the Latvian market. Active closure of cession transactions indicates the quality of company’s services, since it reflects the company’s confidence in the professionalism of employees and the ability to recover debts. Investment in the acquisition of debtor portfolios would not be a strategic approach, if the efficiency of the company’s debt recovery was low.

SIA Gelvora offers the following credit management services:

  • Extrajudicial debt recovery from legal and natural persons in Latvia and abroad;

  • Judicial debt recovery from legal and natural persons in Latvia and abroad;

  • Provision of information about the credit history of potential partners;

  • Stamp service;

  • Judicial services and consultations during debt recovery process.

The history of the company

The debt recovery industry and its importance

The debt recovery plays a vital role in the stability of the financial system and crediting market in Latvia. Late payments and/or credit defaults affect the total prices of the services (for example, the credits become more expensive), thus resulting in higher costs for those who fulfil their credit obligations on time. The debt recovery facilitates compliance with the contractual terms and mutual responsibility for credit commitments, therefore, SIA GelvoraSergel has actively participated in the improvement of the legislative framework, taking part in the Latvian Extrajudicial Debt Collector Association (LĀPPA), as well as cooperating with international debt recovery associations League International for Creditors and European Collectors Association.

The characteristics of SIA GelvoraSergel

  • High efficiency of extrajudicial debt recovery;
  • Professional solutions and particular debt recovery methods;
  • Educated, professional, and knowledgeable debt recovery experts;
  • Encouraging attitude towards debtors and fair solutions;
  • Individual approach to every customer;
  •  An extensive credit history database;
  • Care for the adjustment of the debt recovery sector and the stability of the financial system;
  • Long-term international experience in the field of debt recovery;
  • Strict regulations for providing services that comply with the applicable laws and regulations of the Republic of Latvia.