Carlos Vega
Marbella-based Collections Strategist / Amicable B2B Recovery, Spanish Payment Culture & Cross-Border Creditor Strategy
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Debt collection in Spain — the route map
Amicable phase, three escalation routes, costs and the 5-year clock
Late payment law & statutory interest
Ley 3/2004: the 60-day ceiling, ECB+8 interest, the €40 indemnity
Legal collection: burofax & monitorio
Filing, the 20-day window, enforcement and embargo
Cross-border: EU & LATAM
Brussels I, the European Payment Order, post-Brexit UK, the Atlantic corridor
Coverage: Madrid to Málaga
Why the debtor's city picks the court — every province covered
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