Choose the service that fits your debt
Each page below covers one kind of problem in depth — what we do, how long it takes, what it costs and what you need to start. Not sure which applies? Use the calculator first, or send us the file and a senior partner will tell you within 24 hours.
Debt collection agency Malaysia
A professional, lawful debt collection agency for unpaid B2B invoices — from letter of demand to settlement, with escalation through solicitors where needed.
Read more → Commercial & corporateDebt recovery Malaysia
Commercial and corporate debt recovery for larger or contested claims, including statutory demands, civil suits and enforcement of judgments.
Read more → Aged receivablesBad debt recovery
Recovering old debts and aged receivables you were about to write off — what is still collectable, and how to act before the limitation clock runs out.
Read more → Creditor-side settlementDebt resolution Malaysia
Negotiated settlements, instalment agreements and restructuring of what a debtor owes your business. For creditors — not a personal debt-relief service.
Read more → Klang ValleyDebt collection Kuala Lumpur
Debt collection for businesses owed money by debtors in Kuala Lumpur, Selangor and the wider Klang Valley — same lawful process, same 5-working-day first action.
Read more → Free toolDebt claim calculator
Check days overdue, your six-year limitation deadline, contractual interest to date, and whether the RM 50,000 or RM 100,000 (RM 150,000 from 2027) thresholds apply.
Use the calculator → Bahasa MalaysiaAgensi kutipan hutang Malaysia
Perkhidmatan kutipan hutang perniagaan dalam Bahasa Malaysia — surat tuntutan, tuntut hutang dan hutang lapuk, tanpa bayaran pendahuluan.
Baca lanjut → 简体中文马来西亚追债服务
以中文了解我们的商业追债与坏账追讨服务：零预付费用，合法、有记录的收账流程。
了解更多 →Which service do I need?
| Your situation | Start here | Typical first step |
|---|---|---|
| Invoice 30–90 days overdue, customer gone quiet | Debt collection agency | Letter of demand within 5 working days |
| Large or corporate claim, debtor disputing or stalling | Debt recovery | File review, demand, then s.466 notice or suit via solicitors |
| Debts over a year old, considered written off | Bad debt recovery | Limitation check and SSM search on the debtor |
| Debtor wants to pay but cannot pay in full | Debt resolution | Documented instalment or settlement agreement |
| Not sure how much time is left to sue | Debt claim calculator | Check the six-year deadline |
How it works
- Mandate. You send the invoices, contract and correspondence. A senior partner reviews the file within 24 hours and we agree the fee in writing.
- Letter of demand within 5 working days. A formal, properly drafted letter of demand with a firm deadline.
- Negotiation and settlement. We push for payment in full, or a documented settlement or instalment plan — only with your written approval.
- Legal action via solicitors where needed. Civil suit, or for company debts of RM 50,000 or more a section 466 notice.
- Enforcement. If a judgment goes unpaid: garnishee orders, seizure and sale, or a judgment debtor summons.
Lawful collection, on the record
Our process is documented from the first letter. No harassment, no threats, no shaming, and no improper contact with third parties. That protects your reputation as much as the debtor's rights — and it holds up if the matter goes to court. CIRN & CO is not a law firm; litigation is conducted through solicitors. For how the two roles differ, read debt collection agency vs lawyer in Malaysia, and on what it costs, how no win no fee collection works.
Call +603-2333 0582 or email info@cirnco.com.
This page is general commercial information for Malaysian creditors, not legal advice. Every recovery matter turns on its facts — speak to our team about your specific situation.