# Debt recovery by assignment of claim Source: https://iberfacil.es/en/services/debt-recovery Markdown: https://iberfacil.es/en/services/debt-recovery.md **In short:** Debt recovery by assignment of claim: you assign us the debt and we claim it in our own name, so you do not have to chase anyone. We manage it ourselves from start to finish and you follow the case in your client area. You sign the framework assignment contract and one annex per debt with the documents that prove it. ## Get paid what you are owed, without putting money up front First consultation, viability study and quote: **Free until 5 January 2027** Tell us about your case You assign us the debt and we claim it in our own name. No activation cost, no minimum amount and no chasing: we only earn if it is collected. First consultation, viability study and quote: **Free until 5 January 2027** (afterwards, from €79 + VAT) [Tell us about your case](https://iberfacil.es/en/contact) ### The service at a glance #### What is included - Free online activation: you sign the framework assignment contract and that is it - One annex per debt you add, with the documents that evidence it - Certified notice to the debtor with proof of delivery, a payment link and an offer to negotiate - Order for payment in our own name if they do not pay, and settlement in your favour of whatever is collected #### Price No cost up front We explain in writing how the cost is calculated before we start. ### WHAT IS INCLUDED AND WHAT IS NOT PROMISED For debts up to €2,000.00 we do not sell you a collection service: we take the problem off you. You sign the assignment, we become the creditor and we claim in our own name — including the order for payment procedure, whose initial petition needs no lawyer or court agent (Civil Procedure Act, art. 814.2). You stop being in the middle, and stop risking money to recover money. What it includes: free online activation: you sign the framework assignment contract and that is it; one annex per debt you add, with the documents that evidence it; certified notice to the debtor with proof of delivery, a payment link and an offer to negotiate; order for payment in our own name if they do not pay, and settlement in your favour of whatever is collected. What it does not include: we cannot guarantee collection. If the debtor has no assets or income we tell you, and trying will have cost you nothing. It also does not include legal advice on your debt, which is contracted separately, or rent arrears, which are not covered by the assignment. #### DOCUMENTS YOU WILL NEED - Invoice, contract, receipt or any document evidencing the debt. - Proof of what was delivered or supplied: delivery notes, transfers, emails. - The debtor's details: name or company name, tax number, address and a contact channel. - If you and the debtor are both businesses: any earlier demand. #### INDICATIVE TIMING We answer your enquiry within 1 working day and send the written quote within 2 working days. Once your documents are complete, we prepare the file between 1 and 3 working days. The notice to the debtor goes out immediately after the annex is signed; from there it depends on their response and, if there is a court filing, on the court's calendar. See [the pricing page](https://iberfacil.es/en/pricing) for how we charge this kind of matter. ### How it works 1. **DOES YOUR DEBT FIT?** You check that your debt fits: principal within the limit, documented in writing and a debtor with contact details. Activation is online and free. 2. **YOU SIGN THE ASSIGNMENT** You sign the framework assignment contract and one annex per debt with the documents that prove it. You advance nothing. 3. **NOTICE TO THE DEBTOR** We notify the assignment to the debtor with proof of delivery, a payment link and an offer to negotiate, and handle the reply. 4. **ORDER FOR PAYMENT AND SETTLEMENT** If they do not pay, we file the order-for-payment claim in our own name; from whatever is collected we settle your share under the contract. #### What to have at hand - Invoice, contract, receipt or any document evidencing the debt - Proof of what was delivered or supplied: delivery notes, transfers, emails - The debtor's details: name or company name, tax number, address and a contact channel - If you and the debtor are both businesses: any earlier demand ### Frequently asked questions WHAT DOES IT COST ME? Nothing up front and nothing if nothing is collected. Of whatever is recovered, we settle 80% to you and retain 20%, with a minimum of €40.00 per debt. WHAT IF ONLY PART IS COLLECTED? The same proportion of what is actually collected. If that does not reach the €40.00 minimum, the debt produces no settlement in your favour. MY DEBTOR IS A COMPANY. Then the fixed €40.00 recovery-costs indemnity under Spanish Law 3/2004 for commercial transactions applies, plus that law's late-payment interest. That indemnity is retained in full by Iberfácil. IS THERE A MINIMUM DEBT TO ASSIGN? No. There is no minimum and no activation cost. MY DEBT IS ABOVE €2,000.00. Above that amount the service changes: it becomes court action, with a feasibility study free until 5 January 2027 and a free quote before anything is decided. CAN I KEEP NEGOTIATING WITH THE DEBTOR MYSELF? No: from the assignment onwards we are the creditor, and any contact from the debtor comes to us. That is what lets the claim speak with one voice. ### RELATED SERVICES People who come for “Debt recovery by assignment of claim” often need one of these services too. If your case mixes several, it goes in a single file with a single quote. - [Order for payment procedure](https://iberfacil.es/en/services/order-for-payment) - [Certified letters and formal demands](https://iberfacil.es/en/services/certified-demands) - [Pre-action dispute resolution step](https://iberfacil.es/en/services/pre-action-dispute-resolution) - [Enforcement of judgments and titles](https://iberfacil.es/en/services/enforcement-of-judgments) [See everything we do in Out of court](https://iberfacil.es/en/services/out-of-court) If what you have is a situation and you are not sure which procedure applies, start with [Someone owes me money](https://iberfacil.es/en/problems/money-owed). This content is informative and educational: it is not legal advice and does not replace consulting a professional. If you need advice on your own case, [get in touch](https://iberfacil.es/en/contact).