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Agreed repayment plan between creditor and debtor (Italy)

Money & Debt
Italiano
Italy
Contract
Print & sign
2 pages · 0 sold

Published byDocMuse

This document is in Italian

The PDF you download is in Italian — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.

For a creditor and a debtor in Italy who agree to settle a debt in instalments: a private loan, a fee, rent arrears. The contract, in Italian under Italian law, acknowledges the amount owed and where it comes from (article 1988 of the Italian Civil Code), sets the number and amount of the instalments, any interest rate, the creditor's undertaking not to act while the plan is kept and what follows missed instalments. Both sign two copies. It is not for debts to the Agenzia delle Entrate-Riscossione.

  • Made for use in Italy
  • Last updated October 14, 2026

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When to use this document

  • You and the person you owe money to in Italy have agreed on payment by instalments.
  • A tenant or a client owes you money and you accept being paid a set amount each month.
  • The creditor is willing to wait but wants a signed agreement with the instalment dates.
  • You need a written repayment plan with the instalments and what happens if one is missed.

What you fill in

The details the document asks for.

  • Creditor
  • Creditor's codice fiscale or VAT number (Italian tax code)
  • Creditor's address
  • Debtor
  • Debtor's codice fiscale (Italian tax code)
  • Debtor's address
  • Amount due
  • Amount in words
  • Where the debt comes from (e.g. a loan received on … by bank transfer)
  • Number of instalments
  • Amount of each monthly instalment
  • Due date of the first instalment
  • Day of payment
  • IBAN
  • Interest rate
  • Additional terms
  • City
  • Date

Common questions

What is the difference in Italy between a repayment plan and an acknowledgement of debt?
An acknowledgement of debt is signed by the debtor alone: it recognises the sum and promises to pay it (article 1988 of the Italian Civil Code). A repayment plan is a contract signed by both: besides the acknowledgement, the creditor accepts the instalments and undertakes not to act while they are paid, and the parties set what happens if an instalment is missed. Where the creditor agrees to instalments, the plan also protects the debtor better.
What happens in Italy if the debtor misses an instalment of the plan?
The plan provides two steps: after fifteen days' delay the creditor sends a written notice; if the debtor does not pay within a further fifteen days of receiving it, the benefit of the instalments is lost and the creditor can demand the whole balance at once, with default interest at the legal rate (1.60% a year from 1 January 2026) or at the higher agreed rate. The signed plan, with its acknowledgement of the debt, is written proof of the claim.
Can this plan be used to pay a debt to Italy's Agenzia delle Entrate-Riscossione in instalments?
No. Instalments on tax bills are requested from the Agenzia delle Entrate-Riscossione, online or with its free form: for requests made in 2025 and 2026, up to 84 monthly instalments are granted on a simple statement of temporary difficulty, for debts up to €120,000. Banks and finance companies also use their own repayment agreements. This plan is for debts between private persons or with small businesses.

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

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