A reinsurance is a procedure that a bailiff or debt collection agency can initiate to recover the claim that could not be collected at that time. According to Dutch law, the claim ends after 5 years. However, the claim continues to exist after limitation, only the ability to legally enforce the counterparty's claim to expire after limitation. Exception is when there is a breakdown of the claim.
A creditor usually writes a claim as invalid because this claim can not be collected in accordance with the usual procedure. In the meantime, it may be that the debtor's financial position has improved over time. Also due to the financial crisis in 2009, creditors are looking for additional income. Since the information powers of bailiffs and debt collection agencies have been expanded in 2008, it has since been possible to reclaim previously recoverable claims. This can sometimes be based on no cure no pay construction. The creditor can also sell a debt collection portfolio, often to finance companies who then outsource the collection to a debt collection agency. The risk lies mainly with the financing company. Sources
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