Saldo e stralcio settlement offer to a creditor (Italy)
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 anyone in Italy with a debt to a private person, a business, a finance company or a debt-collection agency who wants to propose closing it by paying a smaller sum, at once or in instalments. The letter, in Italian under Italian law, states the debt claimed, the amount offered, how it will be paid and how long the offer stands, and says payment will follow only written acceptance. It is not for tax bills from the Agenzia delle Entrate-Riscossione. Send it by registered post or by PEC.
- Made for use in Italy
- Last updated October 14, 2026
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When to use this document
- You have an old debt with a finance company in Italy and can only pay part of it now.
- A debt collection agency keeps calling about a debt and you want to offer a lower sum to close it.
- You cannot pay everything you owe and want to propose a deal to the creditor before things get worse.
- You are looking for a well-written letter offering to settle a debt for less.
What you fill in
The details the document asks for.
- Sender
- Sender's address
- Sender's codice fiscale (Italian tax code)
- How the letter is sent (printed above the recipient)
- Creditor
- Postal address of the creditor or agency (street and number, postcode and town)
- City
- Date
- Case number
- Where the debt comes from (e.g. a loan received on … by bank transfer)
- Amount claimed
- Amount offered
- Payment terms
- How long the offer stands (days)
Common questions
- How does a saldo e stralcio settlement with a private creditor work in Italy?
- It is an agreement: the creditor accepts a smaller sum and waives the rest, but no law obliges it to accept. With this letter you propose the amount and the timing; pay only after a written acceptance stating the sum and that the whole debt is extinguished, and pay by a traceable method. After payment, ask for a receipt in full and final settlement. If the creditor prefers a contract signed by both, the settlement agreement serves that purpose.
- Can a saldo e stralcio be offered on a bill from Italy's Agenzia delle Entrate-Riscossione?
- Not with this letter. Debts entrusted to the Agenzia delle Entrate-Riscossione are reduced only by the measures the law provides, such as the facilitated settlement in the windows the law opens, and spread out by an instalment plan requested online or with the Agency's free form. The deadline to apply for the rottamazione-quinquies passed in 2026. A private offer of a discount does not bind the Agency.
- After paying a saldo e stralcio in Italy, which documents should be kept?
- The creditor's written acceptance, the receipt for the transfer or for each instalment paid, and the receipt in full and final settlement (quietanza liberatoria), which the creditor issues on request and at the debtor's expense (article 1199 of the Italian Civil Code). Keep this letter too, with proof of sending. If a new reminder arrives later for the same debt, these documents show that it is extinguished.
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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