Spain's commercial debt collection framework provides creditors with tools that range from zero-cost court procedures to immediate asset seizure.
Formal requerimiento extrajudicial in Spanish, citing proceso monitorio as next step. Professional agencies resolve 50-70% of fresh claims at this stage through negotiation and payment plan agreements.
Proceso monitorio for undisputed claims (zero fees, 4-8 weeks). Juicio ejecutivo for claims with título ejecutivo (immediate embargo possible). Juicio ordinario for disputed claims above EUR 6,000 (12-24 months).
Embargo de cuentas bancarias (bank seizure). Embargo de bienes muebles (movable property). Embargo de bienes inmuebles (real property). Embargo de salarios (salary garnishment). All executed through the Juzgado de Primera Instancia.
European Payment Order, European Account Preservation Order, and Brussels I Regulation for automatic judgment recognition within the EU.
5 years (Article 1964). Professional agencies in Spain track limitation dates and ensure claims are filed before expiry.
Our debt recovery agency with over 21 years of experience provides: Business to Business Collections Services, Legal Debt Collections and worldwide Skip Tracing services.
