At Jos\u00e9 Luis Rinc\u00f3n Abogados<\/strong>, we offer you our experience to help you recover your money in a legal, safe and efficient way<\/strong>, reducing time and avoiding mistakes that may delay the collection.<\/p>\n An unpaid debt is any due and payable economic obligation that has not been satisfied by the debtor after the agreed term, including:<\/p>\n Important:<\/strong> Don’t let time pass. The sooner you act, the better your chances of recovering the debt. <\/p>\n Before taking legal action, it is advisable to try a friendly injunction<\/strong>: <\/p>\n Reminder phone call. This step can solve the problem without additional costs and maintains business relationships if feasible.<\/p>\n If there is no response, it is essential to record the claim by means of a bureaufax with acknowledgement of receipt and certification of content<\/strong> to interrupt the statute of limitations on the debt.<\/p>\n Includes:<\/p>\n If the debt is liquid, determined, due and payable, you can initiate the payment order procedure in Malaga<\/strong>. This judicial process allows you to claim debts without the initial need for a lawyer or solicitor for amounts less than \u20ac2,000, although legal assistance is recommended for greater efficiency. <\/p>\n Steps: If the debtor opposes the order for payment, a verbal trial<\/strong> will be opened (if the debt is less than \u20ac6,000)<\/strong> or an ordinary trial (more than \u20ac6,000).<\/strong><\/p>\n Here the advice of a lawyer specialized in debt collection<\/strong> is essential to manage the claim and evidence in a strategic way.<\/p>\n If the debtor does not pay voluntarily after a judgment or execution decree, a compulsory execution procedure<\/strong> may be initiated: <\/p>\n Garnishment of bank accounts.
\nWhat is considered unpaid debt?<\/h2>\n
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\nSteps to claim unpaid debts in M\u00e1laga<\/h2>\n
Friendly contact with the debtor<\/h3>\n
\nSending an email with details of the debt.
\nCertified letter or burofax claiming payment.<\/p>\n
\nReliable demand for payment<\/h3>\n
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\nPayment order procedure: the fast way to collect debts<\/h3>\n
\nSubmit initial petition with supporting documentation (invoices, mails, delivery notes).
\nThe court notifies the debtor, who has 20 days to pay or file opposition.
\nIf there is no opposition, a decree of execution<\/strong> is issued, allowing direct seizure of assets.<\/p>\n
\nDeclaratory proceeding<\/h3>\n
\nExecution of sentence<\/h3>\n
\nGarnishment of payroll or pensions.
\nGarnishment of movable or immovable property.<\/p>\n
\nHow long do I have to claim a debt in Malaga?<\/h2>\n
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