Debt Collection Agency in Spain - No Win, No Fee
Your claims are handled exclusively by Collecta, our ISO-certified Spanish debt collection partner (empresa de gestion de cobro) with 23+ years of expertise and 170+ specialists.
Why Choose Debitura for Debt Collection in Spain
Fast, simple and risk-free debt collection in Spain
Debitura connects you with Collecta, a Madrid-based debt collection specialist with 23+ years of expertise, ISO 9001/14001/27001 certifications, and ANGECO membership. Collecta operates from two offices covering all of Spain.
- Risk-free: Pay only when we recover your money.
- Quick setup: Submit invoices in a few clicks.
- Real-time tracking: Monitor progress live in one portal.
- Local expertise: Native Spanish speakers handle everything.
Getting started is simple
- Upload your claim - Enter debtor details and attach invoices via our secure dashboard or API.
- Collecta takes over - Our Spanish partner contacts your debtor within 24 hours using proven local collection methods.
- Track and receive payment - Monitor real-time updates; funds transfer directly to you upon recovery.
Already using SAP, Microsoft Dynamics, or another ERP? Connect via API for automated claim submission and status sync. Get Started for Free →
Transparent, success-based pricing
With Debitura, you never pay unless we recover your money. Our No Cure, No Pay model means zero upfront costs, zero subscriptions, and zero hidden fees.
- No upfront fees: Only pay on successful recovery.
- No subscription: Use Debitura as needed - no monthly charges.
- Competitive rates: Volume discounts for larger portfolios.
- Full transparency: See exact fees before submitting any claim.
Fast, simple and risk-free debt collection in Spain
Debitura connects you with Collecta, a Madrid-based debt collection specialist with 23+ years of expertise, ISO 9001/14001/27001 certifications, and ANGECO membership. Collecta operates from two offices covering all of Spain.
- Risk-free: Pay only when we recover your money.
- Quick setup: Submit invoices in a few clicks.
- Real-time tracking: Monitor progress live in one portal.
- Local expertise: Native Spanish speakers handle everything.
Debt Collection Process in Spain - Clear, Fast and Fully Managed
Why you can trust this guide
At Debitura, we uphold the highest standards of impartiality and precision to bring you comprehensive guides on international debt collection. Our editorial team boasts over a decade of specialized experience in this domain.
Questions or feedback? Email us at contact@debitura.com — we update this guide based on your input.
Debitura By the Numbers:
- 10+ years focused on international debt collection
- 100+ local attorneys in our partner network
- $100M+ recovered for clients in the last 18 months
- 4.9/5 average rating from 621 reviews
Expert-led, locally validated
Written by Robin Tam (16 years in global B2B debt recovery). Every page is reviewed by top local attorneys to ensure legal accuracy and practical steps you can use.
Contributing local experts:
Last updated:
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From first contact to final recovery, your Spanish debt collection follows a proven four-stage journey. Most commercial debts resolve during amicable collection (cobro extrajudicial), with legal escalation available only if needed and always under your control.
- Claims under 5 years old are enforceable under Spanish Civil Code Art. 1964.2
- B2B late payment interest: 10.15% (Ley 3/2004, 1st semester 2026)
- EUR 40 fixed compensation applies automatically to B2B claims
- Legal escalation via procedimiento monitorio if debtor fails to pay
Step 1: Claim submission and verification 📤
Your debt collection journey begins the moment you submit your claim through Debitura. Our system validates the documentation and routes it to Collecta within hours.
- Upload invoices, contracts, and delivery notes via dashboard or API
- Under Spanish law (LEC Art. 812), invoices are accepted as valid evidence even without debtor signature if habitually used in that type of business relationship
- Claims must be within the 5-year limitation period (Codigo Civil Art. 1964.2)
⏳ Duration: Claim verified and assigned within 24 hours.
Step 2: Amicable collection (cobro extrajudicial) 🤝
Collecta contacts your debtor directly using formal demand letters and phone calls in Spanish. The goal is to secure voluntary payment before court intervention becomes necessary.
- Formal demand sent via burofax (certified postal communication) for evidence
- B2B claims automatically include late payment interest at 10.15% plus EUR 40 fixed compensation (Ley 3/2004 Arts. 7-8)
- Extrajudicial demand interrupts the limitation period (Codigo Civil Art. 1973)
⏳Duration: 30 to 60 days typical; most responsive debtors settle within this phase.
Step 3: Legal escalation (procedimiento monitorio) 🏦
If amicable efforts fail, Debitura sources up to three fixed-price quotes from vetted Spanish law firms for court action. You review each offer and decide whether to proceed - no obligation.
- Procedimiento monitorio (LEC Arts. 812-818): No monetary limit; debtor has 20 days to pay or oppose
- No lawyer required for initial petition; legal representation mandatory if opposition and claim exceeds EUR 2,000
- Alternative routes: Juicio Verbal (up to EUR 15,000) or Juicio Ordinario (above EUR 15,000)
⏳ Duration: Monitorio typically 2 to 4 months if uncontested; contested claims may take 6 to 12 months.
Step 4: Enforcement (ejecucion forzosa) ⚖️
Once you obtain a court judgment or enforceable title, the Letrado de la Administracion de Justicia (LAJ) oversees asset seizure and distribution.
- Wage garnishment (embargo de salario): Amounts above the minimum wage (EUR 1,184/month) can be seized on a sliding scale (LEC Art. 607)
- Bank account seizure (embargo de cuentas): Funds frozen immediately upon court order
- Property seizure and auction via Portal de Subastas BOE for real estate
- Judgment enforcement must be initiated within 5 years of finality (LEC Art. 518)
⏳ Duration: Enforcement timelines vary based on debtor assets; wage and bank seizures typically execute within weeks.
Throughout every stage, Collecta keeps you informed with real-time updates via your Debitura dashboard. You maintain full control over escalation decisions and costs.
Debt Collection Fees in Spain - Transparent, Success-Based Pricing
You only pay if your money is recovered. No upfront fees, no subscriptions.
- No upfront fees: Pay only when we recover your money
- Competitive European rates: 6% to 20% depending on claim value
- Legal escalation: Up to 3 fixed-price quotes from vetted Spanish firms
- Local invoicing: Collecta invoices in EUR after recovery
Pre-legal collection fees
Debitura operates on a No Cure, No Pay basis across all 183 countries we serve. For Spain and other European countries, our success fees are structured by claim value:
- Claims USD 100 to USD 999: 20%
- Claims USD 1,000 to USD 149,999: 9.5%
- Claims above USD 150,000: 6%
Fee thresholds are calculated in USD at the time of collection, regardless of the currency in which the claim was submitted. Collecta invoices you in EUR after successful recovery.
Optional legal action
If amicable collection does not resolve the debt, you can request legal escalation. Debitura sources up to three fixed-price quotes from vetted Spanish law firms. You review each quote and decide whether to proceed - there is no obligation.
Court fees in Spain depend on the procedure: the procedimiento monitorio has minimal fees for natural persons (legal persons pay EUR 100 fixed plus a variable component for claims over EUR 2,000). Attorney fees (abogado) and court representative fees (procurador) apply when legal representation is required.
VAT (IVA) at 21% applies to legal fees in Spain.
View complete pricing at debitura.com/pricing.
Who We Help with Debt Collection in Spain
Spain's payment terms are capped at 60 days for commercial transactions (Ley 3/2004), yet late payment remains a persistent challenge for both domestic and international creditors. Collecta helps businesses of all sizes recover what they are owed.
Small and medium enterprises (SMEs)
One overdue invoice can disrupt cash flow for months. If you have a handful of Spanish debtors each year, Debitura offers a fast, risk-free solution without the overhead of an in-house collections team.
Ideal for: Exporters, wholesalers, manufacturers, service providers, and SaaS companies with occasional Spanish receivables.
Enterprises and multinationals
Coordinating collections across multiple subsidiaries and jurisdictions is complex. Debitura provides a single global contract, one dashboard, and unified KPIs - with Collecta handling all Spanish claims.
Ideal for: Finance teams, credit controllers, and treasury departments managing high-volume receivables.
International creditors
Collecting from Spanish debtors without local expertise is difficult. Language barriers, legal differences, and time zones complicate recovery. Collecta operates in Spanish and understands local payment culture.
Ideal for: UK, German, French, Italian, and US businesses exporting to Spain.
Our Spain and International Expertise 🌍
Debitura connects you with 500+ pre-vetted collection partners across 183 countries and jurisdictions. In Spain, your claims are handled by Collecta, an ANGECO member with 23+ years of experience and offices in Madrid and Barcelona.
Beyond Spain, our network covers the EU, UK, Switzerland, the Americas, Asia-Pacific, and Africa. Each partner is locally licensed (where required) and operates under our global No Cure, No Pay agreement.
One contract, one dashboard, one point of contact - regardless of where your debtors are located.
Start Recovering Your International Debts Now →
Tech-Enabled Debt Collection in Spain - ERP, API, AI and Secure Integrations
Managing overdue invoices across spreadsheets, emails, and disconnected systems wastes time and increases risk. Debitura centralises your Spanish and international collections in one secure platform - with Collecta on the ground:
- ERP integrations: Connect SAP, Microsoft Dynamics, Oracle, Salesforce, and more for automated claim submission.
- REST API: Build custom integrations with our developer-friendly API documentation.
- Zapier and no-code: Automate workflows without writing a single line of code.
- AI-powered prioritisation: Smart algorithms help identify high-recovery claims for faster action.
- Bank-grade security: ISO 27001-certified platform, GDPR-compliant data handling, encrypted transmissions.
- Credit checks: Assess debtor solvency before escalating to legal action.
Find a Local Debt Collection Lawyer
Need court-ready representation? Share your case once and receive up to three proposals from vetted litigation attorneys—free, fast, and with no commitment.
- Verified specialists
- Quotes in 24 h, no hidden fees
- Fair, pre-negotiated rates
BBM Abogados International Collection is a premier law firm in Madrid offering effective Debt Collection services in Spain, established in 2000, renowned for its expertise in managing commercial and financial debt both nationally and internationally.
Llàcer y Lucas Abogados C.B. is a premier law firm in Torrent offering effective Debt Collection services in Spain, positioning itself as the go-to partner for debt recovery with 16 years of experience, a 4.9/5 Google rating, and operations in Spain and the United Kingdom.
Legal 70 Group S.L. is a premier law firm in Barcelona offering effective debt collection services in Spain, recognized for its international reach across 20 countries, founded in 2022, and a member of esteemed organizations like Barcelona Global and Global Law Experts.
Crown Acquisitions Law Firm is a premier law firm in Madrid offering effective Debt Collection services in Spain, recognized for its expertise since 2014, with memberships in Ilustre Colegio de la Abogacía de Madrid and Consejo General de la Abogacía Española, serving clients across Europe, Latin America, and Asia.
Raso & Asociados is a premier law firm in Palma offering effective Debt Collection services in Spain, founded in 1993 and recognized for its membership in the Ilustre Colegio de Abogados de las Islas Baleares, ensuring trusted legal expertise.
Cobro Ágil is a premier law firm in Spain offering effective risk-free debt collection services, positioning itself as the go-to partner for debt recovery with over 15 years of experience, a success-fee model, and accolades like the European Excellence Award; as an exclusive Debitura partner in Spain, it provides No Cure No Pay debt collection based on Debitura’s risk-free standard terms and pricing.
Collecta is a premier debt recovery agency in Madrid offering effective Debt Collection services in España, positioning the firm as the go-to partner for debt recovery since 2002, with ISO certifications and membership in ANGECO, serving diverse industries.
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Frequently Asked Questions
Explore our most common FAQs below—or reach out directly at contact@debitura.com if you need help with a specific case.
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