Intrum Justitia AB, through its subsidiaries, operates as a credit management services company in Europe. Its services include commercial and consumer collection services, international collection services, debt surveillance and purchased debt services, and various other services related to credit management, such as credit information services, sales ledger and reminder services, invoicing and billing services, interest invoicing, customer services, VAT refunds, and legal advice on credit management related issues. The company’s consumer collection and debt surveillance services include collections from private individuals on behalf of companies and public authorities. Its commercial and international collection services include collections on behalf of companies and public authorities from other companies, and collections where the holder of the receivable and the party liable for payment are in different countries. Intrum Justitia offers its services primarily to companies operating in the banking and finance, telecommunications, and utilities sectors. The company was founded in 1923 and is headquartered in Stockholm, Sweden