Fraud victim? What to do if someone used your identity

Have you discovered purchases you never made or received debt collection letters for orders that are not yours? If so, you may be a fraud victim. When someone misuses your personal information to buy goods or services, it is often a case of identity theft. Acting quickly can help limit the damage, protect your accounts and resolve the situation more efficiently. This guide explains what to do if you're a fraud victim, how to recognise identity theft, how to report fraud and what steps to take if debt collection proceedings have already started.

Safe online shopping: pause, pay, push back

You find the perfect item at a price that feels almost unbelievable. The website says “only 2 left,” the countdown clock is ticking, and checkout takes just seconds. But days pass, no parcel arrives, and the seller stops replying. It’s a common online shopping story – and it often starts with pressure, a bargain, and not enough time to think. Safe online shopping should feel convenient, not risky. Most purchases go smoothly, especially when stores and payment providers make checkout clear and secure. A few simple checks can help you spot warning signs, understand real security steps, and choose payment methods that give you options if something goes wrong.

Building healthy financial habits: simple ways to stay in control

Financial control doesn’t require a perfect budget or a complicated system. A few healthy financial habits can make it easier to understand where your money is going, what payments are coming up, and what works for your budget. Here are some practical ways to make money management part of everyday life. Nothing revolutionary. That’s rather the point.

Responsible BNPL explained: common Buy Now Pay Later myths

In recent years, Buy Now, Pay Later (BNPL) has become an increasingly popular way to pay for everyday purchases, from fashion to electronics. With BNPL options like those offered by Riverty, you can spread the cost of a purchase over time without paying interest, as long as you pay on time. As more people use BNPL, there are also more questions and misconceptions about how it works. Understanding responsible BNPL starts with knowing what to expect, what the payment terms are, and whether the option fits your budget. Let’s take a closer look at some of the most common BNPL myths and what’s really behind them.

Digital payment options explained

Online shopping is part of everyday life – and it’s never been easier. A few clicks, and your new favourite item is on its way. At checkout, you’re not just choosing the product, you’re also deciding how you want to pay. Credit card, bank transfer or “buy now, pay later” – each option has its pros, but there are also a few things to keep in mind. In this article, we look at what “Buy now, pay later” or BNPL really means, how invoice payment works, and how solutions like Riverty’s Flex and payment pause can help you manage your payments in a way that fits your life – without losing track.

Understanding debt collection costs: what does a procedure cost?

Getting a letter about an outstanding payment can leave you with questions—especially when additional debt collection costs appear. We understand that dealing with an unpaid bill can feel stressful. That’s why we’ve broken down the different costs involved and explained how they can be calculated. This guide gives you a clear overview of collection costs, third-party costs, and default interest, so you can better understand where the amount on your letter comes from.

Invoice Payments Explained: Common Myths and the Facts Behind Them

From worrying about hidden fees to damaging credit scores, there are plenty of misconceptions around paying later. That’s why we’ve teamed up with Vince to put the most common BNPL myths to the test. We’ll separate fact from fiction, so you know exactly what to expect before choosing to pay later.

BNPL budgeting: a practical guide for summer spending

Summer tends to cost more than expected. Holidays, festivals, a few home improvements, the annual wardrobe refresh before the kids go back to school – it adds up quickly, often across several weeks. It’s often a period when income stays the same while outgoings don’t. If you’re using it deliberately, buy now, pay later (BNPL) can be a useful tool during a summer budget. BNPL budgeting means factoring these purchases and upcoming payments into your overall budget, so you know what you need to pay and when. Here are some practical budgeting tips on how to do that.

Interview with BDIU board member Dr. Christian Behrens

Today we get some insights into the work of BDIU – Federal Association of German Debt Collection Agencies. Together with Dr. Christian Behrens, we take a look behind the scenes. He tells us how important this cooperation is in the debt collection industry – especially for the economy and consumer protection.