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Acknowledgement of debt (Malta)
Malta · in English
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For a debtor in Malta who confirms in writing how much they owe a creditor, and for the creditor who asks for it — a private loan, unpaid rent, money owed between friends or businesses. Signed by the debtor, the acknowledgement interrupts prescription under article 2133 of the Civil Code (Cap. 16), so the time already run no longer counts. An optional plan sets monthly instalments. The debtor signs; the creditor keeps the original.
- Made for use in Malta
- Last updated November 3, 2026
- Document in English
Published byDocMuse
When to use this document
- A friend in Malta owes you money and agrees to confirm the amount in writing.
- You owe money in Malta and want to agree a monthly plan with the person you owe.
- Your former flatmate in Malta admits owing you rent and bills but has not paid.
- You want a signed paper in Malta that states exactly how much is owed.
What you fill in
The details the document asks for.
- Debtor
- Debtor's ID card or passport number
- Debtor's address
- City
- Creditor
- Creditor's address
- Amount due
- What the debt is for (e.g. a loan made on …)
- Amount of each monthly instalment
- Day of payment
- Due date of the first instalment
- Date
Common questions
- Does an acknowledgement of debt in Malta restart prescription?
- It interrupts it: under article 2133 of the Civil Code (Cap. 16), the debtor's acknowledgement of the creditor's right interrupts prescription, so the time that had already run no longer counts. Many debts are barred after five years (article 2156). Signed while that period is still running, the acknowledgement gives the creditor a fresh start.
- Should a debtor in Malta sign for an amount they dispute?
- Only for the amount they accept: write the agreed figure in the document, because a signed acknowledgement is evidence of the debt. If part of it is disputed, settle that part separately or leave it out. The creditor keeps the signed original, and the debtor should keep a copy.
- What happens in Malta if the debtor misses an instalment under the plan?
- Under the plan in this document, if an instalment is more than 14 days late, the whole balance becomes payable once the creditor asks for it in writing. The creditor can then send a final demand and, if it is not paid, bring the claim before the Small Claims Tribunal, for up to €5,000, or start judicial proceedings. The signed acknowledgement is evidence of the amount.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.
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