Acknowledgement of debt with a payment plan (Spain)
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For someone in Spain who owes money and agrees with the creditor to pay it in instalments. The debtor acknowledges the amount in words and figures and where it comes from; both parties set the number of monthly instalments, their amount, the first date and the payment day, and how many missed instalments let the creditor claim the whole balance. The acknowledgement interrupts limitation (article 1973 of the Spanish Civil Code). The debtor signs, and so does the creditor, who accepts the plan; each keeps a copy. In Spanish.
- Made for use in Spain
- Last updated October 20, 2026
Published byDocMuse
When to use this document
- You owe money in Spain and have agreed with the creditor to pay it back every month.
- Someone in Spain owes you money and offers to pay in parts, and you want that signed.
- The debtor is already behind and you want a new instalment schedule that you both sign.
- You need an acknowledgement of debt with an instalment plan for Spain.
What you fill in
The details the document asks for.
- Debtor
- Debtor's DNI or NIE (Spanish identity number)
- Debtor's address
- Creditor
- Creditor's DNI or NIE (or a company's NIF)
- Creditor's address
- Amount of the debt in words
- Amount of the debt (figures)
- Where the debt comes from (loan, invoice, purchase…)
- Creditor's bank account (IBAN)
- Number of instalments
- Amount of each instalment in words
- Amount of each instalment (figures)
- Due date of the first instalment
- Day of payment
- Unpaid instalments after which the whole balance falls due
- Additional terms
- City
- Date
Common questions
- Why does the creditor also sign a payment plan?
- Because the plan is not only the debtor's promise: with it the creditor agrees to wait and be paid in instalments, and undertakes not to claim in any other way while the plan is kept. With the creditor's signature the agreement binds both parties; without it, the creditor could still claim everything at once. Each party keeps a signed copy.
- What happens in Spain if instalments of a payment plan go unpaid?
- Once the number of unpaid instalments set in the document is reached, the creditor may claim the whole balance with interest at the legal rate. Before going to court the creditor must try to negotiate: a demand by burofax with the invitation to negotiate required by Organic Law 1/2025 and thirty days to answer. Without agreement, the signed acknowledgement supports a claim in the payment order procedure (proceso monitorio).
- How is each payment of a payment plan proved in Spain?
- With the receipt of each transfer to the account given in the document, which is why the plan provides for no cash payments. A receipt for the last instalment given without reservation by the creditor extinguishes the obligation as to the earlier ones (article 1110 of the Spanish Civil Code), but the clearest course is for the creditor, at the end, to hand over a receipt declaring the debt settled (carta de pago).
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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