Debt Collection Agency Spain
Professional B2B debt recovery services across all Spanish regions. From Barcelona to Madrid, Valencia to Bilbao—we help international creditors recover outstanding commercial debts efficiently.
We recover unpaid B2B invoices from Spanish companies through structured amicable collection and, when necessary, legal escalation via Spain's proceso monitorio or civil courts. Our approach combines local market understanding with EU enforcement capabilities.
Spanish Legal Framework
5-step dispute resolution and enforcement framework for Spanish B2B
Run diagnostic to identify whether delay is a dispute in disguise or true non-payment.
- Analyze payment history patterns
- Check for hidden quality disputes
- Verify delivery acceptance
Verify debtor via Registro Mercantil, assemble Spanish-compliant evidence pack.
- Pull Registro Mercantil extract
- Verify CIF and company status
- Index factura + albarán documents
Spanish-language outreach respecting regional business culture.
- Initial reminder in formal Spanish
- Phone outreach during siesta-aware hours
- Escalation to financial controller
Formal pre-legal notice via Burofax with explicit legal timeline.
- Send Burofax with acknowledgment
- Reference Ley 3/2004 late payment
- Set 10-day response deadline
Route to procedimiento monitorio or Juzgado de lo Mercantil.
- Monitorio for uncontested under €250k
- Mercantil court for disputed claims
- Coordinate with procurador
⚖️ Route to Juzgado de lo Mercantil or monitorio process
Debt Collection by City
Select a city for location-specific guidance on commercial debt recovery:
Who This Service Is For
Exporters with Spanish Buyers
Companies selling goods or services to Spanish businesses facing payment delays
Businesses with Spanish Subsidiaries
Groups managing receivables from Spanish operations or partners
Suppliers to Spanish Industries
Manufacturers and service providers in tourism, construction, automotive, or agriculture sectors
Professional Services Firms
Consultancies, agencies, and B2B service providers with outstanding Spanish invoices
What We Collect
In Scope (B2B Only)
- Commercial invoices between registered businesses
- Trade credit and supply agreements
- Professional service fees
- Outstanding balances from Spanish distributors
- Cross-border B2B transactions
Not In Scope
- Consumer debts (B2C)
- Employment disputes or salary claims
For consumer debt matters, we recommend contacting a licensed Spanish debt collection agency specializing in B2C recovery.
How the Process Works
Case Assessment
AnalysisWe review your documentation and the debtor's situation to determine the optimal recovery approach for Spanish jurisdiction.
Amicable Contact
AmicableProfessional outreach in Spanish through calls, emails, and formal letters to negotiate payment.
Learn more about amicable recoveryEscalation Review
EvaluationIf the debtor is unresponsive, we assess whether legal action via the proceso monitorio or ordinary courts is viable.
Legal Action
LegalWhen appropriate, we coordinate with Spanish lawyers to file claims and pursue judgment enforcement.
Learn more about legal recoveryRecovery & Reporting
ResolutionFunds collected are transferred to you promptly with full documentation of all actions taken.
What Makes Spain Cases Different
Extended Payment Culture
Spanish businesses often operate with 60-90 day payment terms as standard practice. Late payment is culturally normalized in many sectors, requiring persistent but respectful follow-up.
Proceso Monitorio Advantage
Spain's fast-track payment procedure (proceso monitorio) allows uncontested claims to proceed quickly without a full trial, but requires properly documented invoices with acknowledgment of debt.
Regional Business Variations
Business practices differ significantly between regions—Catalonia, Basque Country, and Andalusia each have distinct commercial cultures and some regional language considerations.
Sector Concentration
Tourism, construction, automotive, and agriculture dominate the Spanish economy. Each sector has characteristic payment patterns and seasonal cash flow challenges.
EU Enforcement Framework
As an EU member, Spain participates in the European Payment Order system, enabling cross-border enforcement of judgments within the European Union.
Limitations: When Recovery May Be Difficult
- Debtors in concurso de acreedores (insolvency) have limited recovery prospects
- Very old debts (approaching the 5-year limit) may face statute of limitations challenges
- Small claims under €2,000 may not justify legal costs
- Seasonal businesses (tourism, agriculture) may have genuine cash flow gaps
We provide honest assessments of recovery prospects and never recommend pursuing cases where costs would exceed realistic recovery.
What to Submit
Complete documentation strengthens your case and enables faster recovery. Provide as much of the following as available:
Core Documents
- Signed contracts or purchase orders
- Commercial invoices with payment terms
- Delivery notes or proof of service completion
- Communication acknowledging the debt
Debtor Information
- Company name and CIF/NIF (tax ID)
- Registered address and trading address
- Contact details (phone, email)
- Known bank details if available
Payment History
- Record of partial payments made
- Previous payment reminders sent
- Any disputed items or credit notes
Supporting Evidence
- Email correspondence about payment
- Notes from phone conversations
- Any payment promises or plans agreed
Reporting & Transparency
You receive clear, consistent updates throughout the collection process:
Case Opened
Confirmation of receipt with initial assessment
Active Collection
Regular updates on contact attempts and debtor responses
Status Changes
Immediate notification of payments, disputes, or escalation needs
Case Closure
Final report with full action history and outcome summary
Direct Communication
Access your dedicated case manager by phone or email. No call centers or automated systems—speak with the person handling your case.
Pricing Model
Success-Based Collection Fees
Our amicable collection service operates on a contingency basis: you only pay when we successfully recover funds. No recovery, no fee.
- No upfront costs for amicable collection
- Fee percentage based on claim value and complexity
- Transparent quotes before any work begins
Legal Escalation Costs
If legal action becomes necessary, court fees, procurador fees, and lawyer costs are discussed transparently before proceeding. We provide cost-benefit analysis and never recommend litigation where expenses would exceed realistic recovery amounts.
Learn about legal escalationFrequently Asked Questions
How well do you really know Spanish business & debt collection?
Test your knowledge of Spanish B2B culture, payment practices, and the proceso monitorio system.
Interactive Collection Tools
Use these diagnostic tools to assess your Spanish collection case.
Ready to Recover Your Spanish Receivables?
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