Overdue invoices
You delivered the work or goods, but the customer has not paid.
Back to home
Unpaid debts and debt recovery
You are owed money. Let’s prepare your claim.
An overdue invoice, a loan that has not been repaid or payments postponed repeatedly. We assess what can be claimed, against whom and with which documents, then prepare the claim.
CONCORDIA LEGALWhen we can help
An unpaid loan
You lent money and have an agreement, transfers or messages recording it.
A promised payment never arrives
The debt was acknowledged, but the payment promises have not been kept.
CONCORDIA LEGAL
We prepare your claim.
Check the debt
We review its origin, the outstanding amount, dates and documents.
Demand payment
We prepare the demand and consider negotiation on clear terms.
Assess court proceedings
If no agreement is possible, we explain the procedure, costs and risk of non-recovery.
Documents to get started
Prepare the essential documents.
You do not need every document before contacting us. The lawyer will explain what is missing.
- 01Contract, accepted quotation, purchase order or loan agreement.
- 02Outstanding invoices and due dates.
- 03Evidence of delivery or work completed.
- 04Debt schedule after deducting partial payments and credits.
- 05Messages or emails acknowledging the debt.
- 06Previous demands, replies and proof of receipt.
- 07Debtor details and any guarantees or security.
How the procedure works
How the procedure works
Spanish payment order procedure (monitorio)
Pre-action demand and prior negotiation.
Filing the payment order application.
Admission and payment request to the debtor.
Payment, opposition or no response.
If opposed, continuation through the appropriate court procedure. If unpaid and unopposed, application for enforcement.
Verbal or ordinary civil proceedings
Pre-action demand and prior negotiation.
Filing the claim.
Admission, service and defence.
Preliminary hearing and trial, or hearing, as appropriate.
Judgment and enforcement if not complied with voluntarily.
These are the general stages. The steps are tailored to your case.
FEES AND NEXT STEPS
Start with a pre-action claim.
Drafting and sending the initial demand
We draft and send a demand tailored to your case, by burofax or another appropriate method.
300 €+ VAT
If you then engage court proceedings for the same matter, these fees are deducted from the court quotation.
What the quotation includes
The agreed work
Includes reviewing the documents needed for one initial communication. Further negotiation and litigation are quoted separately.
If court proceedings are needed
The application or claim and the engaged stage are identified in the quotation. Enforcement to recover payment is quoted separately.
External expenses
Court representatives, experts and other expenses are identified separately before being incurred. Any burofax delivery charge is specified before engagement.
Submitting your enquiry is free. You receive a quotation before deciding.
Guides to prepare your enquiry
Frequently asked questions
Transfers, accepted invoices, emails or conversations may help prove a debt. The documents must be reviewed together.
No. Recovery also depends on the debtor’s solvency and available assets or income.
The proposal needs assessment. Record the debt, dates and consequences of another default in writing.
The matter may continue through verbal or ordinary proceedings. A quotation for the next phase is provided before continuing, allowing for work already paid for.
Enforcement to recover the debt is quoted separately if needed. Your quotation defines the stages you engage.
Request a case review
Visits by appointment
We will reply by the next day at the latest.
We arrange your visit or video call when replying to your enquiry.