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Final demand for payment before legal action (Malta)
Malta · in English · for creditors
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12 questions · about 5 min
Made for use in Malta
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For anyone in Malta owed money — a private loan, an unpaid invoice, a sale, a refund a trader owes — who has asked and not been paid. The letter states the debt, gives 14 days to pay in full, and names the next step: the Small Claims Tribunal (claims up to €5,000), the Consumer Claims Tribunal (a consumer against a trader, up to €10,000) or judicial proceedings. It reserves legal interest at 8% a year and costs. Send it by registered letter and keep the post office receipt.
- Made for use in Malta
- Last updated November 3, 2026
- Document in English
Published byDocMuse
When to use this document
- Someone in Malta borrowed money from you and keeps promising to pay it back.
- A client in Malta has ignored your invoice and your reminders for months.
- A trader in Malta owes you a refund and has stopped answering.
- You want to send a last written demand for payment in Malta before going to the tribunal.
What you fill in
The details the document asks for.
- Sender
- Sender's address
- City
- Sender's postcode
- Date
- Debtor
- Debtor's postal address (street and number, postcode and town)
- Amount due
- What the debt is for (e.g. a loan made on …)
- Due date
- Bank account
- Where you will take the claim next
Common questions
- Which tribunal hears an unpaid debt in Malta?
- The Small Claims Tribunal hears money claims of up to €5,000, not counting fees and costs. A consumer's claim against a trader of up to €10,000 can go to the Consumer Claims Tribunal instead. Larger claims, and other disputes, go before the ordinary courts. Ask the tribunal's registry about its forms and fees before you file; DocMuse does not file anything for you.
- Does an unpaid debt in Malta earn interest?
- The legal rate is 8% a year (article 1139 of the Civil Code). On a commercial debt it runs from the day the debt fell due (article 1141); on other debts the Civil Code sets a later start, so this letter reserves the interest rather than counting it. Between businesses, the late-payment rules of the Commercial Code can give a higher rate.
- How long do I have to claim a debt in Malta?
- The Civil Code sets prescription periods by kind of debt. Many debts — commercial debts, rent, and loans not made by public deed — are barred after five years (article 2156). An acknowledgement of the debt by the debtor, a part-payment by them, or a judicial act served on them interrupts prescription (articles 2133, 2134 and 2128); reminders alone do not, so do not let a debt run for years.
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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