Agencia de recobro en Irlanda
Su reclamación es gestionada en Irlanda por Miller James Limited, una empresa de recobro autorizada por la FCA. Todas las acciones se llevan a cabo localmente a través de los tribunales y la Ejecución de sentencia del Sheriff de Irlanda, mientras usted realiza un seguimiento de cada paso en un único panel de control. Sin cargos iniciales. ¿Prefiere informarse primero? Lea la guía de Irlanda.
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Su ventaja con Debitura para el recobro de deudas en Irlanda
Recobro de deudas rápido, sencillo y sin riesgos en Irlanda
Subtítulo: Debitura es una plataforma global de recobro impulsada por la tecnología que trabaja con agencias y bufetes de abogados con licencia local en 183 países. En Irlanda, su Expediente es gestionado por Miller James Limited, una Agencia de recobro autorizada por la FCA en Belfast.
- Precios sin riesgo: Sin Honorarios de éxito.
- Configuración rápida: Envíe las facturas con unos pocos clics.
- Seguimiento en tiempo real: Estado, acciones y pagos en directo en un único portal.
- Cumplimiento normativo: En consonancia con el Código de Protección del Consumidor de 2012 y el RGPD.
Empiece a recuperar sus reclamaciones irlandesas en 2 minutos
- Presente su reclamación: Suba su reclamación impagada en minutos a través del panel de control, la API REST o las integraciones ERP plug-and-play como Xero.
- Comienza el recobro local: Asignamos el Expediente a Miller James Limited, que se pone en contacto con el deudor en inglés en un plazo de 24 horas. Si es necesario emprender Acciones judiciales, puede elegir entre 1 y 3 presupuestos de precio fijo (por ejemplo, una Orden Europea de Pago o una reclamación ante el Tribunal de Distrito/Circuito) antes de que se inicie cualquier trámite.
- Reciba el pago: Los fondos se remiten tras el recobro. Para los litigios, seleccione entre presupuestos a precio fijo
Precios transparentes y basados en el éxito
Con Debitura, solo paga si tenemos éxito. El recobro extrajudicial es con honorarios a éxito: un honorario de éxito deducido de los importes recuperados, facturado localmente por su socio. Las tarifas dependen del país del deudor, no del suyo.
- Deudores en Europa (UE, Islandia, Liechtenstein, Noruega, Reino Unido y Suiza): honorarios de éxito a partir del 6 % según el tamaño de la reclamación.
- Deudores en el resto del mundo: honorarios de éxito a partir del 7,5 % según el tamaño de la reclamación.
- Reclamaciones antiguas: se aplica un recargo para las reclamaciones con 12-24 meses de retraso y para las reclamaciones con más de 24 meses de antigüedad.
- Las Acciones judiciales son opcionales: usted aprueba presupuestos de precio fijo antes de cualquier gasto legal.
Consulte la página de Precios para ver la tabla completa de tarifas, u obtenga un presupuesto instantáneo al subir una reclamación.
¿Cómo funciona el cobro de deudas en Irlanda?
El cobro de deudas en Irlanda comienza con una fase amistosa gestionada localmente por Miller James Limited: recordatorios y una demanda formal de pago, con el objetivo de obtener el pago completo o un acuerdo de pago a plazos por escrito. La mayoría de las reclamaciones sencillas se resuelven en esta etapa. Si el deudor sigue sin pagar, el inicio de acciones judiciales nunca es automático: su socio evalúa la vía legal y usted aprueba un presupuesto antes de cualquier paso judicial.
Los cuatro pasos desde la factura impagada hasta el dinero recuperado
- Paso 1 - Cobro amistoso: recordatorios, una demanda formal de pago y negociación, gestionado localmente por Miller James Limited. La mayoría de las reclamaciones no disputadas se resuelven en esta fase, sin recurrir a los tribunales.
- Paso 2 - Título ejecutivo: si el deudor sigue sin pagar, su socio evalúa la vía legal para obtener un título ejecutivo y usted aprueba un presupuesto de precio fijo antes de que se proceda.
- Paso 3 - Ejecución de sentencia: con un título legal, la autoridad de ejecución competente puede embargar salarios, fondos bancarios y otros activos hasta que se recupere la reclamación.
- Paso 4 - Insolvencia: si el deudor resulta ser insolvente, se presenta su prueba de crédito y se supervisan los repartos en su nombre.
Cada paso se registra en su panel de control, y nada escala sin su aprobación. Todos los detalles legales para Irlanda - plazos, costes, tribunales y ejecución de sentencia - se encuentran en la guía a continuación.
Cobro de deudas en Irlanda - la guía completa de 2026
This guide explains how debt collection works in Ireland: the courts, the governing law, the four-step recovery process and what it costs. It is written for creditors, in-house counsel and finance teams deciding how to recover a debt in Ireland.
En esta página:
Por qué puede confiar en esta guía
En Debitura, mantenemos los más altos estándares de imparcialidad y precisión para ofrecerle guías completas sobre el recobro internacional de deudas. Nuestro equipo editorial cuenta con más de una década de experiencia especializada en este campo.
¿Preguntas o comentarios? Envíenos un correo electrónico a contact@debitura.com ; actualizamos esta guía basándonos en sus aportaciones.
Debitura en cifras:
- Más de 10 años dedicados al recobro internacional de deudas
- Más de 100 abogados locales en nuestra red de colaboradores
- Más de 100 millones de dólares recuperados para clientes en los últimos 18 meses
- Calificación media de 4.9/5 de 621 opiniones
Dirigido por expertos, validado localmente
Escrito por Lars Holdgaard, fundador de Debitura (+10 años en recobro de deudas B2B global). Cada página es revisada por los mejores abogados locales para garantizar la precisión legal y los pasos prácticos que puede utilizar.
Expertos locales colaboradores:
Última actualización:
Cobro de deudas en Irlanda - respuestas rápidas
How much does debt collection cost in Ireland?
Pre-legal debt collection in Ireland is typically success-based (No Cure, No Pay), so there is no upfront cost. If a claim escalates to court, the state charges an issue fee that scales with the claim value, and a B2B creditor can add statutory interest and fixed compensation on top of the principal.
| Tribunal | Issue fee |
|---|---|
| District Court | EUR 25 (up to EUR 5,000), EUR 70 (over EUR 5,000 to EUR 10,000), EUR 80 (over EUR 10,000) |
| Circuit Court | EUR 90 (up to EUR 45,000), EUR 130 (over EUR 45,000) |
| Small Claims Procedure | EUR 25 flat (excludes business claims) |
All figures are from the Courts Service of Ireland's own published fee schedules. Enforcing a judgment adds a further, instrument-specific fee, covered in Step 3 below.
How long does debt collection take in Ireland?
There is no fixed statutory timeline for the amicable phase; most straightforward claims are resolved through demand letters and negotiation within around three months. In the Small Claims Procedure specifically, a debtor has around 15 days to respond before a disputed claim moves to a District Court hearing, and a debtor generally has 28 days to comply once an order is made, after which an unpaid award is enforced through the Sheriff or County Registrar (Citizens Information). A judgment itself, once obtained through any of Ireland's courts, remains enforceable for twelve years (Statute of Limitations 1957, s.11).
What is the limitation period for a debt claim in Ireland, and can I add interest?
Simple contract debts must be claimed within six years of the due date, while judgment debts and debts under seal (specialty debts) have twelve years (Statute of Limitations 1957, s.11). On business-to-business debts, statutory interest accrues automatically, without needing a reminder, at the ECB main refinancing rate (set each 1 January and 1 July) plus 8 percentage points, alongside fixed compensation for recovery costs (European Communities (Late Payment in Commercial Transactions) Regulations 2012, S.I. No. 580/2012). Further reasonable recovery costs above the fixed amount can also be claimed where justified. For B2C debts, these Regulations do not apply, so interest can only be claimed where it was contractually agreed.
| Debt band | Fixed compensation |
|---|---|
| Up to EUR 1,000 | EUR 40 |
| Over EUR 1,000 to EUR 10,000 | EUR 70 |
| Over EUR 10,000 | EUR 100 |
What documents do I need to collect a debt in Ireland?
Assemble the contract or purchase order, invoices and a statement of account, proof of delivery, and any written correspondence or acknowledgement of the debt. A signed acknowledgement or a part-payment record strengthens both a demand letter and a later court claim, and is worth keeping on file from the moment a claim is first sent to Debitura's partner for the amicable phase. For a Small Claims Procedure filing specifically, keep the underlying contract or receipt to hand, since the claim form is completed at the local District Court office.
Which route should my claim take in Ireland?
A consumer claim up to EUR 2,000 can use the Small Claims Procedure (EUR 25 fee), but the procedure excludes debt claims brought by a business (Citizens Information). Business claims and larger consumer claims are decided by claim value across three ordinary courts.
| Tribunal | Jurisdicción |
|---|---|
| District Court | Up to EUR 15,000 |
| Circuit Court | Up to EUR 75,000 (Courts and Civil Law (Miscellaneous Provisions) Act 2013, s.14) |
| High Court | Above EUR 75,000 |
Once a judgment issues from any of these courts, the choice of enforcement instrument (Sheriff execution, Judgment Mortgage, Attachment/Garnishee, Receiver, or an Instalment Order) depends on the debtor's known assets, not on which court granted the judgment; see Step 3 for the full list.
¿Quién hace qué en el cobro de deudas en Irlanda?
Debt collection agencies in Ireland
No regulator licenses or supervises private debt collection agencies in Ireland: the Central Bank of Ireland's Consumer Protection Code reaches collection only indirectly, through regulated lenders' outsourced agents, and sets a contact-hours rule of no calls between 9pm and 9am Monday to Saturday, and none on Sundays or public holidays without agreement (Citizens Information). Within that light-touch framework, agencies handle the entire amicable phase: tracing the debtor, sending demand letters, negotiating a payment plan, and applying statutory interest and compensation where a B2B debt qualifies under S.I. No. 580/2012.
The District and Circuit Courts
The District Court hears civil claims up to EUR 15,000 and the Circuit Court up to EUR 75,000; both issue the judgment that becomes the enforceable title once amicable collection fails (courts.ie, Citizens Information). Claims above EUR 75,000 go to the High Court, which has unlimited civil jurisdiction.
Enforcement authorities
Once a judgment is obtained, the Sheriff or County Registrar carries out execution against the debtor's goods, and other instruments such as a Judgment Mortgage, an Attachment/Garnishee order or a court-appointed Receiver are available depending on the debtor's assets (courts.ie's enforcement guide). All of these sit downstream of the court that granted judgment, not the agency that ran the amicable phase.
Solicitors
Once a claim is disputed, or needs to proceed beyond the Small Claims Procedure, a solicitor prepares and files the court claim and, where relevant, advises on enforcement. All debtors, regardless of who is collecting, retain criminal-law protection from harassment or intimidation under s.11 of the Non-Fatal Offences Against the Person Act 1997, which applies equally to agencies, solicitors and creditors acting directly.
Debitura's advantage: one contract and one dashboard connect you to Miller James Limited for the amicable phase and, if escalation is needed, to fixed-price legal quotes for the court and enforcement stages, without you having to manage separate local relationships.
¿Qué leyes y tribunales se aplican al cobro de deudas en Irlanda?
El sistema judicial en materia civil
Ireland's civil courts are organised by claim value. The District Court hears civil claims up to EUR 15,000 (courts.ie, Citizens Information); the Circuit Court hears claims up to EUR 75,000 (Courts and Civil Law (Miscellaneous Provisions) Act 2013, s.14); the High Court has unlimited jurisdiction above that.
| Court / procedure | Claim value |
|---|---|
| Small Claims Procedure (consumer only) | Up to EUR 2,000 |
| District Court | Up to EUR 15,000 |
| Circuit Court | Up to EUR 75,000 |
| High Court | Above EUR 75,000 |
Within the District Court, the Small Claims Procedure gives consumers a low-cost route for claims up to EUR 2,000, but it excludes debt claims brought by a business, so most business creditors use the ordinary District, Circuit or High Court route by claim value, and the correct court is fixed by the amount claimed rather than by choice.
Legislación clave
The Statute of Limitations 1957, s.11, sets a six-year limitation period for simple contract debts and twelve years for judgment debts and specialty debts under seal, both running from when the debt fell due. The European Communities (Late Payment in Commercial Transactions) Regulations 2012 (S.I. No. 580/2012) entitles a business creditor to statutory interest at the ECB main refinancing rate plus 8 percentage points, and to fixed compensation for recovery costs, on B2B debts. Where a debtor cannot pay at all, the Companies Act 2014 (winding-up, s.570; examinership, Part 10, s.519) and the Personal Insolvency Act 2012 (Debt Relief Notices, Debt Settlement Arrangements and Personal Insolvency Arrangements) govern the collective insolvency processes covered in Step 4 below.
Protección de los consumidores y de los datos
A debt-collection-specific consumer-protection regime beyond the Central Bank's Consumer Protection Code was not separately confirmed for this guide; the Code's main practical rule for collection is the contact-hours restriction (no calls 9pm to 9am Monday to Saturday, none on Sundays or public holidays without agreement), reaching collectors only indirectly through regulated lenders' outsourced agents. Separately, s.11 of the Non-Fatal Offences Against the Person Act 1997 gives every debtor criminal-law protection from persistent, alarming demands regardless of who is collecting. The General Data Protection Regulation and the Data Protection Act 2018 apply generally to how a creditor or collector processes a debtor's personal data, though this guide did not separately research a debt-collection-specific data-protection regime beyond that general application.
Paso 1 - ¿Cómo funciona el cobro de deudas amistoso (prejudicial) en Irlanda?
Amicable collection in Ireland begins with tracing the debtor and sending a formal payment demand, followed by negotiation aimed at full payment or a written instalment agreement, all without going to court. Where the debt is a B2B claim, the demand can also state the statutory interest and fixed compensation the creditor is entitled to add under S.I. No. 580/2012, which often encourages faster settlement.
| Día | Acción |
|---|---|
| Day 0-7 | Case reviewed, debtor traced, first payment demand sent |
| Day 7-30 | Follow-up contact and negotiation; an instalment plan may be offered |
| Day 30-90 | Further demands; if there is still no payment or agreement, escalation to court is discussed with you |
Throughout this phase, no regulator licenses the agency running collection, but the Central Bank of Ireland's Consumer Protection Code sets a contact-hours rule (no calls 9pm to 9am Monday to Saturday, none Sundays or public holidays without agreement), and s.11 of the Non-Fatal Offences Against the Person Act 1997 protects every debtor from harassment or intimidation regardless of who is collecting.
When to escalate in Ireland
Escalate once the demand lapses without a response, or the debtor disputes the claim without substance. Because the simple-contract limitation period is six years from the due date (Statute of Limitations 1957, s.11), do not let an amicable phase run so long that it puts the limitation period at risk. Escalation is never automatic: your partner assesses the legal route and you approve a quote before any court step, choosing between the Small Claims Procedure, the District Court, the Circuit Court or the High Court by claim value (Step 2 below). A written acknowledgement of the debt, or any part-payment obtained during the amicable phase, is worth keeping on file in case it is needed to support a later court claim.
Paso 2 - ¿Cómo se obtiene un título ejecutivo en Irlanda?
If amicable contact fails, the next step depends on the claim's value and who is claiming. A consumer claim up to EUR 2,000 can use the low-cost Small Claims Procedure; larger or business claims go through the ordinary District, Circuit or High Court route.
The Small Claims Procedure
The Small Claims Procedure is capped at EUR 2,000 and costs EUR 25 to file with the District Court office, but it specifically excludes debt claims brought by a business (Citizens Information). The debtor has around 15 days to respond; a disputed claim moves to a District Court hearing, and a debtor has 28 days to comply once an order is made. Unpaid awards are enforced through the Sheriff or County Registrar, the same as any other District Court judgment.
Determining the court
Outside the Small Claims Procedure, the District Court hears civil claims up to EUR 15,000 (courts.ie, Citizens Information); the Circuit Court hears claims up to EUR 75,000 (Courts and Civil Law (Miscellaneous Provisions) Act 2013, s.14); the High Court has unlimited jurisdiction for claims above that. A business claim for any amount, however small, must use one of these three courts rather than the Small Claims Procedure.
| Tribunal | Jurisdicción | Issue fee |
|---|---|---|
| District Court | Up to EUR 15,000 | EUR 25 (up to EUR 5,000), EUR 70 (over EUR 5,000 to EUR 10,000), EUR 80 (over EUR 10,000) |
| Circuit Court | Up to EUR 75,000 | EUR 90 (up to EUR 45,000), EUR 130 (over EUR 45,000) |
An uncontested claim can proceed to judgment without a full hearing; a contested claim requires the debtor to defend, after which the court decides the claim or the parties settle before judgment. Whichever court grants it, the resulting judgment is the enforceable title used in Step 3, and it also starts its own twelve-year limitation period for enforcement (Statute of Limitations 1957, s.11).
Costs beyond the issue fee
Where the claim is a qualifying B2B debt, the statutory interest and fixed compensation described in the fees section below (S.I. No. 580/2012) can be claimed as part of the same court proceedings, on top of the principal and the issue fee. Once judgment issues, choosing which enforcement instrument to use, and whether to combine more than one, is a separate decision covered in Step 3.
Paso 3 - ¿Cómo funciona la ejecución de deudas en Irlanda?
Once a court judgment is final, several enforcement instruments are available depending on the debtor's assets and cooperation (courts.ie's enforcement guide). A judgment debt carries its own twelve-year limitation period from the date of judgment (Statute of Limitations 1957, s.11), so enforcement should not be left indefinitely.
| Instrument | Para qué sirve | Fee |
|---|---|---|
| Sheriff execution | The Sheriff or County Registrar seizes and sells the debtor's goods | EUR 19 |
| Instalment Order | District Court orders payment by instalments; breach can lead to a Committal Order | EUR 15 |
| Judgment Mortgage | Registers the judgment as a charge against the debtor's property | EUR 20 plus Property Registration Authority fees |
| Attachment/Garnishee | A third-party debt order attaches money a third party owes the debtor | Court fee applies |
| Receiver | A court-appointed receiver collects income or assets on the creditor's behalf | Court fee applies |
| Bankruptcy petition | Used where the debtor cannot pay at all (see Step 4) | See Step 4 |
Ejecución de sentencia
The creditor selects the instrument that matches the debtor's known assets: Sheriff execution for goods, a Judgment Mortgage for property, an Attachment/Garnishee order for money a third party owes the debtor, or a Receiver over income or assets. An Instalment Order can be used where the debtor can pay only over time, and breach of that order can lead to a Committal Order. Where none of these instruments recovers the debt because the debtor genuinely cannot pay, a bankruptcy petition moves the case into the insolvency process described in Step 4.
Choosing between instruments
These instruments are not mutually exclusive: a creditor can register a Judgment Mortgage against property while separately pursuing an Attachment/Garnishee order against a bank account or third-party debt, and can combine any of them with Sheriff execution where the debtor holds movable goods of value. Which combination makes sense depends on what the creditor already knows about the debtor's assets; enforcement generally moves faster where a bank account or identifiable property is already known, and slower where the creditor must first establish what the debtor owns.
Paso 4 - ¿Cómo afectan los procedimientos de insolvencia a la recuperación de deudas en Irlanda?
Insolvencia empresarial
A creditor owed EUR 10,000 or more can serve a statutory demand at the company's registered office; if it is not satisfied within 21 days, the creditor can petition the High Court to wind up the company (Companies Act 2014, s.570). Alternatively, the company itself, its directors, a creditor, or members holding 10 percent or more of the shares can petition the High Court for examinership, which gives the company an initial 70 days of protection from creditors while an independent accountant reports on its survival prospects; the appointment is notified to the Companies Registration Office on Form E24 within 3 days (Companies Act 2014, Part 10, s.519). Examinership is aimed at rescuing a viable company, so a creditor pursuing a winding-up petition should expect the process to pause if examinership is opened first.
Insolvencia personal
Ireland has three personal insolvency arrangements below bankruptcy, each under the Personal Insolvency Act 2012, scaled to the debtor's means and the size of the debt.
| Arrangement | Alcance | Duration |
|---|---|---|
| Debt Relief Notice (DRN) | Debts up to EUR 35,000; net monthly disposable income EUR 60 or less; assets up to EUR 1,500 | 3-year supervision; early discharge once 50 percent or more is repaid |
| Debt Settlement Arrangement (DSA) | Unlimited unsecured debt; needs 65 percent or more creditor approval by value | Up to 5 years, extendable to 6 |
| Personal Insolvency Arrangement (PIA) | Secured debt up to EUR 3 million (extendable with consent), plus unlimited unsecured debt | Up to 6 years, extendable to 7; 70-day protective certificate |
Bankruptcy is available above EUR 20,000 of debt, on petition to the High Court's Examiner's Office, and carries a EUR 200 fee and an automatic discharge after 1 year (citizensinformation.ie). Because the DSA and PIA both require a creditor-approval vote by value, a large creditor's response to the proposal can materially affect whether either arrangement passes.
The creditor process
Once any of these processes opens, a creditor should file proof of the claim promptly and monitor the process; individual enforcement against the debtor generally cannot continue once a personal insolvency arrangement or bankruptcy is in place, and a winding-up or examinership similarly displaces individual creditor action against a company. This guide sets out the confirmed thresholds, durations and outcomes for each process; the detailed ranking and proof-of-claim mechanics within a given Irish insolvency case go beyond what this guide can confirm, so confirm those specifics with Irish counsel once a case arises.
Honorarios, intereses y quién asume los costes en Irlanda
- Nuestros honorarios: basados en el éxito, pague solo si cobramos (ver Precios).
- Court & enforcement fees: apply only if the case escalates to legal action.
- Statutory debtor items: on B2B debts, statutory interest accrues automatically at the ECB main refinancing rate plus 8 percentage points, plus fixed compensation depending on the debt band (European Communities (Late Payment in Commercial Transactions) Regulations 2012, S.I. No. 580/2012).
- Who keeps what: recovered principal is yours; statutory interest and recoverable costs follow the rules below and are separate from Debitura's fee.
| Elemento | Amount |
|---|---|
| District Court summons fee | EUR 25 to EUR 80, by claim value |
| Circuit Court civil bill fee | EUR 90 or EUR 130, by claim value |
| Statutory interest (B2B) | ECB main refinancing rate plus 8 percentage points |
| Fixed compensation (B2B) | EUR 40 / EUR 70 / EUR 100, by debt band |
| Enforcement instrument fees | EUR 15 to EUR 20, by instrument (see Step 3) |
All figures are from the Courts Service of Ireland's fee schedules and the official S.I. No. 580 of 2012 statutory instrument (Courts Service of Ireland, irishstatutebook.ie). None of these statutory items are a Debitura fee; they are amounts the law allows a creditor to recover from the debtor, separate from what Debitura charges for the recovery service itself.
Cross-border debt collection in Ireland
Brussels I Recast (Regulation (EU) No. 1215/2012) governs recognition and enforcement of judgments from other EU member states in Ireland; a qualifying judgment is enforced here through the Master of the High Court, without a separate exequatur procedure. A European Enforcement Order (Regulation (EC) No. 805/2004) for an uncontested claim is enforced in Ireland as if it were a High Court judgment (e-justice.europa.eu).
For an uncontested cross-border claim, a creditor can apply for a European Order for Payment (Regulation (EC) No. 1896/2006, transposed by the European Communities (European Order for Payment) Regulations 2008) through the Central Office of the Superior Courts; the procedure is available in every EU member state except Denmark (courts.ie).
For a cross-border claim up to EUR 5,000, the European Small Claims Procedure (Regulation (EC) No. 861/2007) is open to business claims, costs EUR 25 to file, and applies across the EU except Denmark (Citizens Information).
Encuentre un abogado local de recobro de deudas
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Preguntas frecuentes
Consulte nuestras preguntas frecuentes más comunes a continuación, o contáctenos directamente en contact@debitura.com si necesita ayuda con un expediente específico.
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