Knowledge Base
Permanent guides on Spanish debt collection law
A static, didactic Knowledge Base instead of a news blog. Permanent content, not news: each guide answers, in a self-contained way, a specific question a foreign creditor asks about recovering debt in Spain.
Each guide is a pillar page designed to answer a precise question of the foreign creditor: how Spanish debt collection works, how long it takes, whether travel is required, what documents are needed, whether a home-country judgment can be enforced in Spain. Each is written to be self-contained and citable.
The Spanish order-for-payment procedure (monitorio)
Legal basis in the Civil Procedure Act; who may file; required documents; the twenty-day window; the prior MASC requirement; opposition; enforcement.
Read guide →Verbal proceedings (juicio verbal) for claims under €15,000
When this route applies instead of the monitorio; the €15,000 threshold; the hearing; timeline; interaction with the monitorio on opposition.
Read guide →Ordinary proceedings for claims above €15,000
When ordinary proceedings apply; structure (claim, defence, preliminary hearing, trial, judgment); when this is the appropriate route.
Read guide →The Spanish burofax
What a burofax is; what it proves (content and delivery); interruption of limitation periods; its role in evidencing the prior MASC step.
Read guide →Limitation periods for commercial debts in Spanish law
General five-year rule (Article 1964 CC); shorter sector-specific periods such as transport; how limitation is interrupted; why early action matters.
Read guide →Alternative Dispute Resolution (MASC) under Organic Law 1/2025
What MASC is; when it is a procedural admissibility requirement; the recognised mechanisms; statutory exceptions; how IJ Creditor evidences the attempt.
Read guide →Regulation Brussels I bis (EU 1215/2012)
Jurisdiction and cross-border enforcement of judgments in the EU; abolition of exequatur between Member States; the Article 53 certificate; limited grounds of opposition.
Read guide →Exequatur under Law 29/2015
Recognition and enforcement of non-EU judgments in Spain; Law 29/2015; the competent court; the requirements verified; enforcement once recognised.
Read guide →Concurso de acreedores
The consolidated Insolvency Act; restructuring and liquidation; communicating claims to the insolvency administrator; recovery prospects for foreign creditors.
Read guide →Director liability for company debts in Spain
When directors can be personally liable; the Capital Companies Act; Article 367 liability for failure to dissolve; the individual liability action; culpable insolvency.
Read guide →Debtor tracing and asset investigation
How asset investigation works in Spain; public registries; the judicial tools available in enforcement (Articles 589 and 590 LEC); assessing recovery prospects.
Read guide →Bank account attachment in Spain
How attachment is processed once an enforceable title is obtained (Article 588 LEC); the requirement of an enforceable title; interaction with other creditors and unattachable amounts.
Read guide →Payment terms in Spain (Law 3/2004, as amended)
Statutory payment periods (30/60 days); statutory late-payment interest; the €40 fixed recovery compensation; Law 3/2004 and the EU Late Payment Directive.
Read guide →Contractual clauses that help recovery
Jurisdiction and choice-of-law clauses; default interest; retention of title (reserva de dominio); acknowledgements of debt; guarantees; recovery-cost clauses.
Read guide →Power of attorney for litigation in Spain
The power of attorney needed to litigate in Spain; the roles of lawyer and court representative; notarisation, apostille and translation requirements.
Read guide →These guides provide general information on debt recovery in Spain and do not constitute legal advice. Content updated as of June 2026; recent rules —such as the MASC requirement under Organic Law 1/2025 and procedural thresholds— may change. For advice on a specific case, request a proposal.
Jeder Fall ist anders. Am schnellsten erfahren Sie, ob IJ Creditor helfen kann, indem Sie ein vertrauliches, individuelles Angebot anfordern.
Angebot anfordern