Money & Debt: templates and forms

The receipt in which someone in Greece who takes money from a private person confirms it: who paid and who received, the sum in figures and words, what it was for, the date and method of payment, and whether it settles the whole debt or is paid on account, with the balance. A debtor who pays is entitled to a written receipt and, on paying the whole debt, to the return of the debt document (art. 424 of the Greek Civil Code). It goes with the loan agreement, the acknowledgment of debt and the settlement.

A letter to a German bank or savings bank (Sparkasse) closing your current account (Girokonto), whether you are leaving altogether or switching to a new bank. It gives the IBAN, the account holder and date of birth, the closing date you want and the account for the remaining balance, ends the linked cards, overdraft and online banking, and asks for written confirmation. Under § 675h of the German Civil Code (BGB) you may close the account at any time without notice, unless a notice period of at most one month was agreed, and closing is free. A choice covers switching through the statutory switching service (§§ 20 ff. ZKG). In German.

For a creditor in Italy who receives payment of a debt – a loan repaid, a saldo e stralcio, the last instalment of a plan – and must issue a receipt, as article 1199 of the Italian Civil Code requires. The document, in Italian under Italian law, names the parties with their codice fiscale and states the amount, date and method of payment, the original debt and whether payment is in full or on account. The creditor signs it. Above €77.47 a €2 revenue stamp (marca da bollo), bought at a tobacconist's, must be affixed.

For two private persons, or a private person and a business, who want to end a dispute in France without going to court: damage, poor work, a disputed sum, a quarrel between neighbours. The agreement, in French under French law, describes the dispute, each party's reciprocal concessions and the waiver of any action on the same matter (articles 2044 and 2052 of the French Civil Code). A standard form: it does not suit a dispute between employer and employee, or a divorce. Two originals, signed by both parties.

For ending a dispute in Italy between private persons or with a business – a contested debt, damage, poor work – by mutual concessions, including a settlement for less than the full debt (saldo e stralcio). The contract, in Italian under Italian law, describes the dispute, what each party concedes, any sum and how it is paid, and the waiver of every other claim on that dispute (articles 1965 ff. of the Italian Civil Code). It is not for employment disputes. Both parties sign two copies.

For two private individuals in Spain with a dispute over money or a contract (a debt, damage, a sale, building work) who settle it without a lawsuit, each giving something up (article 1809 of the Spanish Civil Code). It is a form with fields: the matter, what each side gives or does and by when, the payment and the account, and the waiver of further claims on that matter. It records that the agreement was reached in a negotiation under Organic Law 1/2025 and that either side may have it made into a notarial deed. Not for employment or family matters. Signed in two copies. In Spanish.