Managing director of DC GROUP Petr Slapnička weighs in on the debt collection profession

Nov. 24, 2013

Reykjavik, Iceland ( — As part of our series of interviews with leading international figures on the global debt collection scene, we put our clutch of questions on the personal and professional sides of the debt collection industry to Czech collector Petr Slapnička.

Slapnička has been specializing in domestic and international debt collection since 2005 and is managing director of DC GROUP Ltd., one of the first ports of call for quality debt recovery services on the Czech market and worldwide.


DEBITUM.BIZ: How did you end up in debt collection?
SLAPNIČKA: Before starting my own collection business, I worked eleven years for Coface as the head of the credit reports department. So for my whole professional life I have been close to debt collection.


DEBITUM.BIZ: What would you say are the three most important qualities for an effective debt collector?
SLAPNIČKA: Fairness, discipline and the desire to educate.


DEBITUM.BIZ: How do your family and your friends view your job?
SLAPNIČKA: At the beginning nobody understood my decision to start a collection agency because this profession was not very popular in our country. However, over the course of time, they have become more and more convinced that professional debt collection is a serious, respectable job.


DEBITUM.BIZ: Why do you like your job?
SLAPNIČKA: I like my job because a debt collection agency is an intermediary between creditors and debtors and seeks to help both parties. Debtors save money when they opt for a low-cost, out-of-court procedure (even though they don’t often admit this fact). On the other hand, creditors get the money that they otherwise would probably have lost.


DEBITUM.BIZ: How do you view creditors and debtors?
SLAPNIČKA: Creditors and debtors are entities that essentially have the same rights. We always respect the principle of debtor inviolability and adhere to all legal codes. However, from time to time, creditors have unrealistic ideas about the collection process and methods used.


DEBITUM.BIZ: Can you describe your job in three sentences?
SLAPNIČKA: In addition to my obligations as managing director, I have also many responsibilities as head of technical development. For example, I am responsible for the planning and development of our information systems and I also check and modify collection processes for a wide range of projects.


DEBITUM.BIZ: What is the most striking or memorable debt collection story you have come across in your experience?
SLAPNIČKA: For example, once we collected quite a large amount for Henkel (producer of cosmetics, detergents, etc.). The debtor in question was a network of hairdressing salons. Lacking cash or bank deposits, the network was on the verge of bankruptcy. The only viable way for us to collect was in the form of cosmetic stock. So, for about two weeks, our offices were brimming with thousands of shampoo bottles, hair sprays, and other cosmetic products!

We also often receive funny answers from debtors. For example:

Sorry I can’t pay, I don’t have any money. I am a very poor man… Don’t bother me I am now on holiday in Australia.

Yes I will pay soon. Today I am going to rob a bank…

Yes, I will pay. But please send me a copy of the invoice to the email address Prague, Lipova 2, Czech Republic…


DEBITUM.BIZ: What would you say is the most challenging issue for Czech debt collectors in the year ahead?
SLAPNIČKA: This would have to be the new law we are currently drafting in tandem with the Czech Association of Collection Agencies. Until now, there has been no regulation of the debt collection industry. The proposed law aims to ensure fairness and to enhance the industry’s image by implementing a strict regulatory regime.


DEBITUM.BIZ: What new law or laws does the Czech Republic need in order to improve the situation of creditors?
SLAPNIČKA: The proposed new law is quite complex. Above all, we are striving to legalize the collection costs that can be collected by creditors. The law is also designed to improve the overall standards of the collection environment. It forces collection agencies to register their operations and to adhere to the strict ethical codes of the national collection association.


DEBITUM.BIZ: How do changes in interest rates influence debtor behaviour?
SLAPNIČKA: We don’t actually see a direct relation between debtor behaviour and interest rates. Though the interest rates decreased rapidly over the last year, debtors still couldn’t meet their obligations. The main reason for this is that the banks introduced stricter rules when the global crisis hit in 2008.


DEBITUM.BIZ: How has computerization influenced your company?
SLAPNIČKA: Since the beginning of our operation, we have tried to build a quality information system. All processes are strictly planned and documented. Our customers are used to exchanging information electronically and to having online access to our system. What we are preparing for in the near future is a universal integration module for an ERP system. This will allow automatic data exchange between our server and our client’s server through web services.


DEBITUM.BIZ: Is it easy for you to find new employees with the right profile for debt collection?
SLAPNIČKA: Not at all. Finding quality people is one of the most difficult tasks we face. Because our services are based on good infrastructure and good employees, we concentrate our efforts on recruitment and training processes.


DEBITUM.BIZ: What role do on-site visits play in your company and in the Czech Republic?
SLAPNIČKA: Our company specializes in making personal visits to debtors. That’s why we also provide these subservices for other collection agencies too. We have developed a large network of on-site collectors as well as unique software which can effectively distribute work for them. On-site visits are becoming more and more important as part of the collection process in our company and our country.


Mr. Slapnika can be contacted at slapnicka(at) For more information on DC GROUP, please visit


  1. Pingback: brett

  2. Pingback: terry

  3. Pingback: travis

  4. Pingback: dennis

  5. Pingback: Luke

  6. Pingback: Morris

  7. Pingback: ernesto

  8. Pingback: Guy

  9. Pingback: michael

  10. Pingback: Louis

  11. Pingback: roy

  12. Pingback: Clifton

  13. Pingback: jim

  14. Pingback: Alvin

  15. Pingback: Bernard

  16. Pingback: ernest

  17. Pingback: Lynn

  18. Pingback: Arthur

  19. Pingback: Wade

  20. Pingback: frank

  21. Pingback: darren

  22. Pingback: kenny

  23. Pingback: Adam

  24. Pingback: Stanley

  25. Pingback: Mike

  26. Pingback: eddie

  27. Pingback: Jim

  28. Pingback: oliver

  29. Pingback: kyle

  30. Pingback: Lyle

  31. Pingback: nelson

  32. Pingback: dale

  33. Pingback: arthur

  34. Pingback: Jessie

  35. Pingback: Ralph

  36. Pingback: russell

  37. Pingback: Rex

  38. Pingback: Leslie

  39. Pingback: herman

  40. Pingback: wendell

  41. Pingback: Marc

  42. Pingback: pedro

  43. Pingback: Andrew

  44. Pingback: stanley

  45. Pingback: clyde

  46. Pingback: fernando

  47. Pingback: Martin

  48. Pingback: Virgil

  49. Pingback: Clayton

  50. Pingback: Everett

  51. Pingback: terrence

  52. Pingback: Allan

  53. Pingback: Ben

  54. Pingback: Leo

  55. Pingback: Reginald

  56. Pingback: Edgar

  57. Pingback: Kirk

  58. Pingback: Mario

  59. Pingback: Virgil

  60. Pingback: roger

  61. Pingback: Albert

  62. Pingback: herman

  63. Pingback: barry

  64. Pingback: Dan

  65. Pingback: Billy

  66. Pingback: nick

  67. Pingback: Shaun

  68. Pingback: Joe

  69. Pingback: marvin

  70. Pingback: bryan

  71. Pingback: Vernon

  72. Pingback: andy

  73. Pingback: Clifford

  74. Pingback: Alexander

  75. Pingback: Terrance

  76. Pingback: ben

  77. Pingback: jason

  78. Pingback: Marc

  79. Pingback: edward

  80. Pingback: Andy

  81. Pingback: Adam

  82. Pingback: Allan

  83. Pingback: craig

  84. Pingback: carlos

  85. Pingback: trevor

  86. Pingback: brandon

  87. Pingback: Neil

  88. Pingback: Eugene

  89. Pingback: Darrell

  90. Pingback: francis

  91. Pingback: clinton

  92. Pingback: allen

  93. Pingback: Henry

  94. Pingback: Everett

  95. Pingback: Greg

  96. Pingback: Ronald

  97. Pingback: Kyle

  98. Pingback: lynn

  99. Pingback: donald

  100. Pingback: lewis

  101. Pingback: brad

  102. Pingback: joe

  103. Pingback: Ken

  104. Pingback: Leo

  105. Pingback: Milton

  106. Pingback: justin

  107. Pingback: michael

  108. Pingback: freddie

  109. Pingback: keith

  110. Pingback: ivan

  111. Pingback: Joseph

  112. Pingback: evan

  113. Pingback: Terrence

  114. Pingback: Scott

  115. Pingback: randy

  116. Pingback: Sam

  117. Pingback: Ricardo

  118. Pingback: Ian

  119. Pingback: matt

  120. Pingback: eduardo

  121. Pingback: Ronald

  122. Pingback: oscar

  123. Pingback: jeffery

  124. Pingback: leonard

  125. Pingback: Jacob

  126. Pingback: charlie

  127. Pingback: Roy

  128. Pingback: Travis

  129. Pingback: Arturo

  130. Pingback: Rafael

  131. Pingback: ernest

  132. Pingback: Matt

  133. Pingback: Kirk

  134. Pingback: ernest

  135. Pingback: Leslie

  136. Pingback: howard

  137. Pingback: ramon

  138. Pingback: donald

  139. Pingback: Lee

  140. Pingback: luis

  141. Pingback: johnny

  142. Pingback: alan

  143. Pingback: orlando

  144. Pingback: Freddie

  145. Pingback: ramon

  146. Pingback: jared

  147. Pingback: Byron

  148. Pingback: wallace

  149. Pingback: Philip

  150. Pingback: Leslie

  151. Pingback: Johnny

  152. Pingback: harold

  153. Pingback: adrian

  154. Pingback: Oscar

  155. Pingback: bill

  156. Pingback: Clinton

  157. Pingback: dale

  158. Pingback: lee

  159. Pingback: Randall

  160. Pingback: Francis

  161. Pingback: Charles

  162. Pingback: Dwight

  163. Pingback: otis

  164. Pingback: Louis

  165. Pingback: jon

Comments are closed.