Woman standing in the hallway in front of the letter boxes, reading a letter she just opened.

You've heard from EOS.

Let's sort this out together.

Has EOS contacted you about an unpaid bill? This page explains what that means and what you can do next.

One thing first: The EOS Group is present in over 20 countries. Please choose your country to reach the right team, pay online, or check whether a letter really came from us.

Go straight to your country

Why you heard from us

A company you owe money to has asked us to help settle the overdue payment. That is why you are now hearing from us instead of them.

Your local team can tell you what the amount is for and where it came from. Just ask them.

A missed bill happens to almost everyone. Maybe it got lost in the mail, or life was simply busier than usual. The sooner you get in touch, the sooner it is off your plate.

Already know what this is about? Go straight to your country

Illustration of a person using a smartphone with people in the background – support for questions about received mail — Who is EOS and why have I been contacted?

Who is EOS and why have I been contacted?

Our commitment to you

We speak to you with respect, and without judgment. We use plain, everyday language, and look at what you can actually afford – and agree on a plan together.

We have committed to this in our Code of Conduct.

Read our Code of Conduct (356 kb)

If things are hard right now

Sometimes life can be challenging and an unpaid bill is the smallest part of it.

Tell your local team. Colleagues trained for these situations will look for a way you can manage. A case can even be paused to give you room to breathe.

Questions about paying?

How much do you owe? Can you pay in installments? What happens if you can't pay on time?

Your local team has the answers – find your country below.

Not sure a letter is really from EOS?

Scammers use well-known company names. Be careful if a message asks you to pay into an unfamiliar account. Or pushes you to pay within minutes.

If anything feels off, ask your local team first, before you pay.

Find your country

Your case is handled by the EOS company in your country, in your language and under local law. Choose your country to reach the right team, pay online, or check whether a letter really came from us.

Changing finances for the better.

For over 50 years, we have been experts in debt collection. We work with defaulting payers to find solutions together so they can settle their overdue payments. Today, that work goes on in over 20 countries.

Your local team speaks your language and knows the law where you live. They can also talk through more than one way to pay. Depending on where you live, you can pay online without logging in, or chat instead of calling.

More about how we collect responsibly

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