Can creditors collect debt I had in my former country

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Credit reports and records do not transfer from country to country, but creditors in your former country can still try to collect any unpaid debts you have there.


Even though a creditor can collect these debts if you moved out of the country, it will not reflect on your credit report in your new country. However,the chances of them attempting to collect this debt from a individual who has moved to a new country is slim. The reason, it's would be just too costly from them to do so. First, they would have to spend money on tracking you down. Then, they would have to file with the court in the new country in order to attempt to collect the debt, and this would even cost them more money in travel expenses, court cost and legal fees. Travel expenses to a foreign country can get very costly along with the added legal fees. In a business point of view, they just would not want to add money in debt recovery to the money they already lost from the bad unpaid debt. This would especially apply to small debts, where it would cost more money to recover it than to just let it slide.

The most, in my opinion, that a debt collector will do to collect a debt owed by a individual in a foreign country is to send threatening letters of harassing phone call.

Please note that the above may not apply to the countries in the European Union. These countries include Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the United Kingdom. Credit profiles may transfer to member countries inside of the European Union, but may not transfer in or out of the European Union. Also, it may be easier to collect debt from one European Union member country to another member country.

In conclusion, if you move to a new country and have unpaid debt from your former country, the chances are slim that a creditor or debt collector will attempt to collect the unpaid debt because of high debt recovery cost.