Debt collection agencies operate in an open market. You are not bound to specific legislation regarding entry to this market. This means that there is significant competition.
Payment difficulties have increased since the crisis, for both consumers and companies. Debts are harder to collect.
There’s an explicit request for socially responsible collections (reaching a settlement that is fair and reasonable).
The number of private borrowers with payment difficulties is increasing, as is the amount of the debt. This results in increasing pressure on debt counselling agencies.