Demand for payment with an invitation to negotiate (Spain)
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For a private person in Spain who is owed money (a loan, a sale, work done) and wants to claim it before going to court. The letter states the amount in words and figures and where it comes from, asks for payment by bank transfer and invites the debtor to negotiate on that same debt, with the thirty days required since 3 April 2025 by Organic Law 1/2025: without that attempt, a claim is not admitted. It also interrupts limitation (article 1973 of the Spanish Civil Code). It is sent by burofax with certified content and proof of delivery. In Spanish.
- Made for use in Spain
- Last updated October 20, 2026
Published byDocMuse
When to use this document
- A friend in Spain owes you money and plays dumb every time you bring it up.
- You sold something in Spain, the buyer never paid the rest and no longer answers messages.
- Months have passed since the money was due and you want to claim it formally before going to court.
- You want a written demand for payment that also invites talks, sent by burofax in Spain.
What you fill in
The details the document asks for.
- Creditor
- Creditor's address
- Creditor's DNI or NIE (or a company's NIF)
- Debtor
- Debtor's postal address (street and number, postcode and town)
- City
- Date
- Amount of the debt in words
- Amount of the debt (figures)
- Where the debt comes from (loan, invoice, purchase…)
- Date the debt should have been paid
- Creditor's bank account (IBAN)
- Contact phone or email
Common questions
- Why must a demand for payment in Spain invite the debtor to negotiate since 2025?
- Since 3 April 2025 a civil claim is not admitted unless an appropriate dispute-resolution method was tried first, and direct negotiation between the parties is one of them (Organic Law 1/2025). To count as that attempt, the letter identifies the parties, describes the debt exactly as a later claim would, invites negotiation and gives thirty calendar days to answer. Several Spanish courts do not accept a bare demand to pay without that invitation.
- How is a demand for payment sent in Spain so that it serves as proof?
- By burofax with certified content and proof of delivery, at a Correos post office or on its website: it proves what was sent, to whom and when it was delivered. Keep the certificate and the delivery receipt, because a later claim must prove the attempt to negotiate. A burofax the debtor fails to collect through their own inaction may still count. A registered letter proves delivery but not content.
- What can you do in Spain if thirty days pass without payment or agreement?
- Go to court, enclosing proof of the attempt to negotiate. For a documented money debt the payment order procedure (proceso monitorio) is the usual route: the initial application needs neither a lawyer nor a court representative (article 814 of the Spanish Civil Procedure Act), and the courts provide a free form, which DocMuse does not sell. If the debtor objects, the case continues in the proceedings that match the amount.
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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