Frequently Asked Questions - Debtors

Frequently Asked Questions - Debtors
  • 01. Are you a legitimate company and how can I be sure that my debt has been transferred to you?
    AGENCY FOR CONTROL OF OUTSTANDING DEBTS S.R.L. is a Romanian legal person, having its headquarters in Bucharest, registered with Bucharest Trade no. J40/12140/2018, CUI  39789695, EUID:  ROONRC.J40/12140/2018. As a personal data controller, the company follows the regulations of The General Regulation on the protection of personal data 679/2016 ("GDPR") and the Personal data protection Act and is subject to regulation by the Commission for personal data protection, which guarantees the comfort and security of our partners and clients when they entrust us the processing of personal data. You can verify the legitimacy of the company by contacting your creditor, who will certify that they have signed a contract with us.

  • 02. Why did Agency for Control of Outstanding Debts contact me?
    There may be several cases in which we contact you: - A contract between us and your creditor for the servicing of arrears; - A contract between us and a company that has acquired your receivables from your creditor; - We have acquired your receivables on the basis of a contract with your creditor.

  • 03. I have received an invitation for voluntary repayment of a financial obligation from Agency for Control of Outstanding Debts – is this legal?
    Agency for Control of Outstanding Debts is authorized to send you an invitation for payment, which contains information about your obligation on the basis of a contract signed by you and your creditor. In the event of a misunderstanding, if your debt has already been paid, or the notified person no longer lives at the address specified in the invitation, please contact us at +4 031.433.7330.

  • 04. I have received a phone call from an Agency for Control of Outstanding Debts representative– is this legal?
    When you sign a contract with a company, you agree that you can be contacted by the company or its representative in case of late payment. We act as your creditor’s  representative. Conversations conducted by our specilists are always in the spirit of Ethic Code and their sole purpose is to understand the reason for nonpayment of obligations and help you stabilize your finances.

  • 05. What should I do when I receive an invitation for voluntary repayment of a debt, sent by Agency for Control of Outstanding Debts?
    Your best response would be to contact us at +4 031.433.7330, or email us at We will then inform you about your obligation and give you options for its repayment. If you do not contact us, you will not be able to make use of these opportunities and your obligation will be transferred to the Legal Department, where costs increase exponentially.

  • 06. What happens if legal action is taken against me?
    Before any legal action is taken against you, you will already have been recorded in the Credit Bureau and the Risk Base Registers. This means that you will not be able to use any credit in the future, or purchase goods with deferred payment, etc. until you pay back your obligations. When your creditor initiates legal action, it means that they have compelling evidence of their claim and in most cases they will win the case. This will result in an exponential increase in your debt. Once the case has been concluded, it will be submitted to a bailiff who can seize your wage, bank accounts, property, as well as, in extreme cases, resort to their sale at a public auction. Our goal is that you should avoid these legal consequences and settle your obligations voluntarily.

  • 07. Where and how should I pay?
    ACOD offers you a list of payment methods, so you can choose the most convenient for you:

    BCRs, PayPoint, Raiffeisen Bank, Posta

    All you need to do is to call us at +4 031.433.7330 and our specialists will guide you through all the payment process.