The topic of this thesis is sales as a management strategy for partially collectible and uncollectible loans in the Republic of Croatia and a comparison of debt collection agencies in the Republic of Croatia. The issue of managing partially collectable and non-collectible loans has been frequently mentioned over the last few years in professional and scientific circles as well as the general public, with special emphasis being placed on the relationship with clients, personal data protection system, as well as debt collection strategies that have emerged as a response to the situation in banking sector and economies. The way banks work and the rules for collecting claims depend on the work policy of legal entities, legal regulations and provisions of banking institutions. Bank claims in the Republic of Croatia can be viewed from different angles, which will be described at the very beginning of this thesis. Managing non-performing loans is a very demanding task and often it is not possible to create satisfactory solutions for all parties in the process, more specifically creditors, debtors and intermediaries. When it comes to the sale of partially collectible and uncollectible loans, it should be noted that there is a market for uncollectible loans. In addition to all of the above, it will be described how the debt collection agencies, that took over that part of the work from the banks, operate. The purpose of the paper is to show how sales work as a management strategy for partially collectible and uncollectible loans in the Republic of Croatia. The aim of the paper is to describe the operations and characteristics of banks in terms of sales as a management strategy for this increasingly common occurrence and collection of receivables that agencies take over from banks. This is because the management of partially collectable and non-collectible loans has become more and more difficult, but also frequent so a greater number of banks have decided on this move. In the research part of the work, an explanation of how debt collection agencies work will be carried out and their work will be compared and the similarities and differences that characterize will be highlighted.