GASCÓN BERNABÉU ABOGADOS
Debt collection in Spain
Offering a wide scope of services.
Debt collection in Spain
If someone owes you money in Spain, getting it back can be complicated, especially if you’re not familiar with the local laws and procedures. At Gascon Bernabeu, we understand how frustrating this can be, and that’s why we specialise in helping international clients recover debts quickly and efficiently. Our team of experienced English-speaking debt collection solicitors provides clear, expert advice and takes decisive action on your behalf to make sure you receive the money owed without unnecessary delays.
We work with both businesses and individuals, offering personalised support through every stage of the debt recovery process. From the first consultation to the final resolution, we keep communication straightforward and transparent, creating strategies tailored specifically to your situation. Our goal is to make the process as smooth as possible for you while delivering effective results.
What you need to know about debt collection in Spain
Recovering a debt in Spain involves several important steps designed to help you get the money you’re owed as quickly and cost-effectively as possible. Knowing how the process works will give you confidence and help you understand what to expect along the way. Generally, debt recovery begins with a formal letter before action, and if necessary, it moves on to court proceedings.
Letter before action
The process usually starts by sending a formal letter before action to the debtor. This letter clearly states the amount owed and asks for payment by a specific deadline. It also lets the debtor know that if they don’t pay by that date, legal action will follow. This stage is often effective in encouraging debtors to settle the debt promptly or agree on a repayment plan, avoiding the need for court involvement.
Court proceedings
If the debt remains unpaid after the letter is sent out, the next step is to begin legal proceedings. This can feel daunting, but our team will guide you through the process from start to finish. In Spain, there are two main types of legal action, depending on the nature of the debt and the complexity of the case. For straightforward claims involving a fixed amount, the process usually follows a money claim (monetario), which is designed to be faster and more cost-effective.
For more complex matters, such as disputes over contracts, contested claims, or cases involving negligence or damages, the case will follow an Ordinary court procedure (procedimiento ordinario). This route involves more detailed legal arguments and generally takes longer to resolve, but it is the appropriate path for higher-value or more involved claims. We’ll assess your situation and advise you on the best approach to give you the strongest chance of recovering the money you’re owed.
Debt collection services we provide
At Gascon Bernabeu, our team of English-speaking solicitors provide a full range of legal services to support you through the debt recovery process in Spain. Our aim is to make things as straightforward as possible with practical advice and tailored legal support that fits your situation. Whether you’re recovering a small outstanding sum or dealing with a more complex case, we’ll guide you from the first conversation through to resolution.
- No-obligation consultation – We’ll start by learning more about your case and advising you on the most appropriate next steps. There’s no commitment; it’s just a clear outline of your options and how we can help.
- Clear, straightforward advice – We explain everything in a way that’s easy to understand. You’ll always know where you stand, what’s happening, and what to expect next.
- Legal action without travel – If you’re not based in Spain, we can manage the full legal process on your behalf. You won’t need to travel or deal with unfamiliar procedures—we’ll take care of everything for you.
- Bespoke strategies – Every case is different. We’ll tailor our approach based on your specific circumstances, whether that means acting quickly, negotiating a payment plan, or escalating to court proceedings.
- Competitive fees – We’re upfront about costs, with flexible fee options to suit the nature of your claim. You’ll always know what to expect – no surprises.
How our English-speaking lawyers can help
At Gascon Bernabeu, we combine in-depth knowledge of the Spanish legal system with a direct, strategic approach to debt recovery. As regulated English-speaking solicitors, we’re authorised to act quickly and decisively – taking the necessary steps to recover your money, whether through initial negotiations or formal legal action.
Unlike traditional debt collection agencies, we handle everything in-house and in line with Spanish legal procedures, giving your case the weight it needs to be taken seriously. You won’t need to travel or manage the process yourself either; we can act on your behalf and keep you informed at every stage with clear advice and a tailored strategy based on your circumstances. With our years of experience helping clients from around the world, we aim to provide quick and effective solutions, regardless of how challenging the situation may be.
If you need to recover money owed to you by a company or individual in Spain, get in touch today for a no-obligation consultation. We’ll assess your situation and provide clear advice on the best way forward.
You can speak with one of our English-speaking solicitors via the contact form on our website, by sending us an email to info@gbabogados.co.uk, or by giving us a call on +44 (0)20 3137 1320. We’ll be happy to guide you through the next steps and answer any questions you may have about debt recovery in Spain.
QUICK CONTACT
Please enter you details for a free consultation with one of our solicitors.