In this guide
To choose accounting and collections help in Concepción, split the two jobs first: keeping your books and filing taxes with DNIT, the tax authority, is one thing; chasing customers who owe you is another. Ask each firm for a written proposal with scope and fees, and if they will contact your debtors, require them to follow Sedeco's debt-collection guide. One firm can do both, but it should put them in two separate parts of the contract.
Accounting, collections or both?
- Accounting and tax: books, monthly returns, annual filings, invoicing. Returns are filed through DNIT's Marangatú system, which also runs electronic invoicing (DNIT (opens in a new tab)). Pick someone who works with both every day.
- Collections: sorting out overdue accounts, contacting debtors, negotiating payment plans and, if they still don't pay, passing the case to mediation or a lawyer.
- Setting up the company: for an EAS (simplified joint-stock company) with standard statutes, the Ministry of Industry and Commerce says it is done online at eas.mic.gov.py in at most 72 hours at no cost (MIC (opens in a new tab)). Save the adviser's fee for the tax work that follows.
How to choose the accounting firm
- They invoice: every sale of services requires an invoice (Sedeco via ABC Color (opens in a new tab)). Ask for the firm's tax ID (RUC); with it you can see their taxpayer profile on the DNIT website without logging in (DNIT (opens in a new tab)).
- They are not barred: DNIT publishes lists of barred businesses and of taxpayers in arrears (DNIT (opens in a new tab)). Check them before handing over your password.
- Your password stays yours: put in writing that your Marangatú password belongs to you and that you will change it if you switch firms.
- What the fee covers: monthly and annual returns, books, amended returns, payroll. Anything not written down is billed extra.
- Tax compliance certificate: any customer or supplier can validate your certificado de cumplimiento tributario online (DNIT (opens in a new tab)). Ask the firm how they keep it current.
Which rules must your collector follow?
If your debtors are consumers, Sedeco (the consumer protection office) approved its Practical Guide for Debt Collection in July 2025 (Resolution SDCU No. 926/2025) under Consumer Law 1334/98 (EY Paraguay, 2025 (opens in a new tab)):
- Contact hours: Monday to Friday 8:00 to 18:00, Saturdays 8:00 to 12:00.
- Frequency: up to 3 contact attempts per week, addressed only to the consumer.
- Third parties: under Resolution No. 1733/2022, demanding payment by phone or other means from people unrelated to the debt is prohibited.
- Confidentiality: Law 6534/20 requires consumers' personal information to be kept confidential.
- Promissory notes (pagarés): the creditor must keep them safe; if they are moved elsewhere, the guide recommends notifying the customer formally.
Breaking these rules exposes the business to sanctions under Law 1334/98 and its regulations. Ask the collector for their call script and a log of every contact in writing: the risk of bad practice falls on your business. In a city where people know each other, polite collection also protects your customer base.
What if they still don't pay?
- Mediation: the judiciary runs mediation offices in Concepción and in Horqueta (Poder Judicial, 2026 (opens in a new tab)). It helps reach an agreement with the debtor before going to court.
- Lawyer: to file a claim you need a lawyer registered with the Supreme Court (opens in a new tab). Ask for the registration number before signing a power of attorney.
- Before handing over the case: give the firm a list of debts with invoice date, due date, amount, previous contacts and whether there is a pagaré.
Why get your numbers in order now in Concepción?
Infrastructure works for the Paracel pulp project began in May 2026 at Paso Horqueta (Hoy, 2026 (opens in a new tab)), and Concepción's traders' and industry association estimated that some 10,000 people could need housing in the area at the construction peak (InfoNegocios, 2026 (opens in a new tab)). If you plan to grow by selling to companies or contractors, you will need clean invoicing, clear contracts and dated collections.
- Ask the firm for a short monthly report: sales invoiced, collected and overdue.
- If you take QR payments, keep each receipt with its invoice: in April 2026, 7 out of 10 electronic payments on the Bancard network were by QR (ABC Color, 2026 (opens in a new tab)), and matching them at month-end saves your accountant hours.
- Hold the first meeting by video call and keep in-person visits for signing or reviewing documents.
FAQ
Can one firm in Concepción handle both accounting and collections?
Yes, but have the contract split the two services, each with its own scope and fees, and make sure the collector follows Sedeco's guide.
When can a debtor be called in Paraguay?
Under Sedeco's collection guide (Resolution 926/2025), Monday to Friday 8:00 to 18:00 and Saturdays 8:00 to 12:00, with up to 3 attempts per week.
Can a collector contact a debtor's family or co-workers?
No. Sedeco Resolution 1733/2022 prohibits demanding payment by phone or other means from third parties unrelated to the debt.
Is there mediation in Concepción for collecting a debt?
Yes. The judiciary has mediation offices in Concepción and Horqueta, an option for reaching an agreement before filing a lawsuit.
