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The protection of privacy and personal data is an important subject for us. GESTION CREDIT EXPERT undertakes to respect, on the one hand, the “Informatique et Libertés” Law, and on the other hand the European Regulation which defines the conditions under which the processing of personal data can be carried out.



Through the space reserved for you, you can easily:

  • Settle your outstanding debt,
  • Access your file,
  • Contact our collection officers.


Recouvrement de Créances - France et international | Gestion Credit Expert

FRANCE CREANCES, the collection branch of the GESTION CREDIT EXPERT group.

Our employees are constantly looking for the best solution between you and your supplier. We act on behalf of the companies that mandate us to carry out this mission. At FRANCE CREANCES, we know that an unpaid situation is sometimes complex to manage. This is why we offer you effective support and settlement solutions allowing you to resolve your unpaid debt problems quickly and simply.

We are committed to being transparent and always precise in our responses to requests for information on the unpaid debts that we manage to help you better manage the consequences of your debts.

In case of difficulties, contact us, we will be able to find the best solution with you.


GCE- FRANCE CRÉANCES is the French specialist in debt collection. We act on behalf of companies who mandate us to collect money from their own customers.

At GCE – FRANCE CRÉANCES, we listen to you and strive to understand your situation to help you pay your bill. Ethics and respect guide our actions. We are committed to working with you to find the best solution for your financial situation.

If you have received a letter, please contact our collections department using the telephone number on the letter, or leave us a message in your customer area by logging in with your file number. Please log in.

Translated with DeepL.com (free version)

Our collection company’s mission is to help companies recover unpaid debts while maintaining positive relationships with their own customers. We approach debtors with a genuine concern to inform them clearly about the debts that concern them, and to facilitate a settlement process that is both fair and respectful.

Our aim is to reach an amicable agreement that enables each debtor to meet his or her financial obligations. To achieve this, we offer support and active listening to each individual.

Our values of honesty, simplicity, transparency, service, results and team spirit guide us to act with respect and ethics. We also make it a point of honor to :

  • Never make value judgments,
  • Keep our language simple and understandable in all circumstances,
  • Remain transparent and precise in our responses to requests for information on claims,
  • Give priority to mediation as a first option, even in difficult situations.

Like all other collection companies, GCE – FRANCE CRÉANCES is regulated by several bodies and laws to ensure that consumer rights and principles of good conduct are respected.

Here are the main regulators and legislative frameworks:

  • Direction Générale de la Concurrence, de la Consommation et de la Répression des Fraudes (DGCCRF): this government body ensures compliance with competition, consumer affairs and fraud control regulations. It is also responsible for ensuring that collection companies comply with the rules governing fair trade practices.
  • The French Consumer Code: this code governs many aspects of commercial practices, including debt collection. It defines consumer rights and establishes rules to prevent unfair or aggressive practices.
  • Code des procédures civiles d’exécution: this code governs civil and commercial debt collection. It sets out the procedures to be followed and the rights of the parties involved.
  • Commission Nationale de l’Informatique et des Libertés (CNIL): debt collection agencies handle personal data. In this context, they must comply with CNIL rules on data protection.
  • The courts: in the event of a dispute or abusive practices, consumers can bring the matter before the competent courts to obtain compensation or put an end to practices that have already occurred.

Like all serious collection companies, GCE – FRANCE CRÉANCES complies with legislation and follows all the rules of professional ethics to avoid aggressive, misleading or illegal practices in its collection activities.

I would like to pay my debt

By credit card:
Log on to the payment area with your file number received by mail by clicking here. Or call us at the number indicated on the last letter you received.

By direct debit:
Send us your request for reimbursement by e-mail to redaction@france-creances.com, quoting your file number from the letter you received. We will send you a direct debit mandate by return e-mail.

By bank transfer :
Enter your file number in the subject line.

You will find our bank details on the formal notice you have just received.

I’ve already paid my debt

If you have already settled with your creditor directly, we need proof of payment.

There are two ways to send us your proof of payment:

I have a question about my debt

Log in to the customer area using the file, order and company numbers printed on the letter. In this area, you can obtain information on your unpaid invoice, make a payment or contact our collections department by e-mail.

If you wish to contact us by telephone, simply use the number on the letter you received.

You can also reach us by e-mail at redaction@france-creances.com.

Have you cancelled your contract? You haven’t agreed to any service? Have you returned the item or simply not received it? Have you not received an invoice? Are you dissatisfied with the product or quality of service provided by your creditor? You don’t understand the origin of the request? Have you already paid?

Contact us immediately at redaction@france-creances.com or at the e-mail address or telephone number on the letter you have just received, detailing your situation and enclosing all the necessary supporting documents. For example, a copy of the cancellation letter you sent to your creditor by recorded delivery with acknowledgement of receipt, a copy of the acknowledgement of receipt signed by your creditor, the inventory of fixtures and fittings, proof of payment, etc.

Rest assured that we act first and foremost as mediators between our customers and their customers. We are committed to being transparent and always precise in our responses to requests for information on the receivables we manage, to help debtors manage their contractual commitments as effectively as possible.

If you are having difficulty repaying your debt, please contact us at redaction@france-creances.com. We’re here to help.

If you are the subject of an over-indebtedness procedure, please send us the details of your situation by e-mail to redaction@france-creances.com or by post to the address on the letter you have received:

  • If your application has not yet been validated, send us a copy of your certificate of filing,
  • If your application has been accepted, send us your notice of admissibility and a list of your creditors.

We strongly recommend that you respond to our calls and letters to resolve the problem quickly. This can pave the way for more favorable solutions and reduce the stress of future legal or financial complications.

By contacting us, you can :

  1. Avoid legal consequences : ignoring a formal notice can lead to legal proceedings against you, which could result in additional costs, seizures or even judgments that affect your financial capabilities.
  2. Avoid additional costs : costs associated with legal proceedings, late payment interest or penalties can add up. Responding to the formal notice can help you avoid these additional costs.
  3. Protect your financial capacity : ignoring a formal notice can have a negative impact on your ability to obtain loans, credit cards or even rent a home.
  4. Negotiate payment terms if your situation is delicate : by replying, you can explain your difficulties and enter into a dialogue to negotiate payment terms that match your financial capabilities, such as instalments or debt reduction.
  5. Clarify the situation : responding gives you the opportunity to dispute the debt if you believe it to be incorrect, to request further evidence, or to discuss any disagreements relating to the amount or nature of the debt.

We will be happy to work with you to find the best solution, either by phone or e-mail, as indicated on your letter, or by e-mail at redaction@france-creances.com.

We recommend that you simply cross out the address and write “NPAI” (does not live at the address indicated) on the envelope, and hand it in at a street letterbox.

If, however, you know this person, please ask him or her to contact us at the number or e-mail address given in the letter.

If the recipient of our mail is deceased, please send us these two documents:

  • Death certificate,
  • Contact details of any notary in charge of the estate.

2 transmission modes are possible:

  • By e-mail to redaction@france-creances.com or to the e-mail address given on the letter you received,
  • Or by post to the address indicated on the letter you received.

Frequently asked questions

There are three ways to get in touch with our teams:

  • Directly by e-mail or telephone : on the letter we sent you, you’ll find the e-mail address and telephone number of the manager in charge of your debt. Please have your file number ready, so that we can reply as quickly and accurately as possible.
  • Online : you can also fill in this form, and one of our advisors will call you back promptly to understand your needs and answer any questions you may have.
  • Via our customer area : you can leave us a message by logging on to your dedicated area by clicking here.

Together, we’ll find a solution.

To log in, please have your :

  • Your file number,
  • Your order number,
  • Company number.

All these elements are written on our letters and e-mails.

If you are having trouble logging in, or have lost your dunning letter or e-mail, please contact us by telephone on 05 82 95 13 13 or by e-mail at redaction@france-creances.com.

If you are still having trouble logging in, our managers are available to help you from 9:00 to 12:30 and from 13:30 to 17:00, Monday to Friday. The number to contact is written on the last mail you received. Otherwise, please contact us at 05 82 95 13 13 or by e-mail at redaction@france-creances.com.

This area is currently undergoing maintenance. If you have any problems logging in, our administrators are at your disposal from 9:00 am to 5:00 pm, Monday to Friday. The number to contact is printed on the last letter, e-mail or SMS you received. Otherwise, please contact us on 05 82 95 13 13 or by e-mail at redaction@france-creances.com.

You have not found an answer to your question ?

Following our follow-up concerning your unpaid invoice, you wish to contact us.

Fill out this form, one of our advisors will call you back quickly to understand your needs and answer all your questions.

Together we will find a solution.

Cabinet de recouvrement de créances : Les avantages de faire appel à des professionnels pour gérer vos impayés

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