Payment or debt reduction proposal to a creditor (Spain)
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For someone in Spain who owes money to a bank, a lender, a utility or a debt collector and wants to offer a smaller lump sum (quita) or instalments (espera) to close the debt. The letter states the amount claimed and the amount offered, the schedule, and makes everything subject to written acceptance stating that, once paid, the debt is settled, with a receipt in full and removal from bad-debtor files. Nothing is paid before that acceptance. Send it by burofax or through the creditor's written channel. In Spanish.
- Made for use in Spain
- Last updated October 20, 2026
Published byDocMuse
When to use this document
- A debt collector in Spain keeps calling about an old loan and you want to offer a smaller sum.
- You cannot pay a lender in Spain all at once and want to offer instalments.
- You want to settle a debt with a phone company in Spain and get off the bad-debtor list.
- You need a letter proposing a payment or a reduced settlement to a creditor in Spain.
What you fill in
The details the document asks for.
- Sender
- Sender's address
- Sender's DNI or NIE (Spanish identity number)
- How the letter is sent (printed above the recipient)
- Creditor or debt collection company (name)
- Postal address of the creditor or agency, as given in its letters
- City
- Date
- The creditor's or agency's reference
- Amount they claim (figures)
- What you offer
- Total amount you offer (figures)
- Number of instalments
- Amount of each instalment (figures)
- Date of the first or only payment
- Reason for the proposal (optional)
Common questions
- Can offering to pay a debt collector in Spain count as acknowledging the debt?
- It can. Any act by which the debtor acknowledges the debt interrupts limitation, and the period starts again (article 1973 of the Spanish Civil Code); an offer to pay may be treated as one. The letter quotes the amount « as you state it », without admitting it, but if you believe the debt is not yours, is not substantiated or is time-barred, the right step is first to ask for proof or plead limitation in writing, not to propose a payment.
- When should you pay the creditor after proposing a reduction in Spain?
- Only once acceptance is in writing, stating the amount accepted, the account for payment and that, once paid, the debt will be settled. If the letter comes from a debt collector or a buyer of the debt, check in its reply on whose behalf it collects; a debtor who pays the original creditor without knowing the debt was assigned is discharged (article 1527 of the Spanish Civil Code). Pay by bank transfer and then ask for the receipt in full settlement (carta de pago).
- What happens to a bad-debtor file entry in Spain once the agreed sum is paid?
- A debt's data may stay in a credit reference file such as ASNEF or Experian only while the non-payment continues (article 20 of Organic Law 3/2018, Spain's data protection act). That is why the letter asks the creditor to request removal once paid. If the entry remains afterwards, you can ask the file holder in writing to erase it and, without an answer within one month, complain to the Spanish Data Protection Agency (AEPD).
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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