Legal
Debt Claims & Mediation
Recover what you are owed — efficiently, firmly, and fairly
What is it?
Unpaid invoices, dishonoured loans, and unresolved commercial disputes drain cash flow and consume management time. At GCT1 we pursue debt recovery through the most effective channel available — starting with a formal payment demand and escalating through monitorio proceedings, ordinary civil litigation, or enforcement against assets depending on the debtor's response and the size of the claim.
Mediation is increasingly recognised by Spanish courts and businesses as a faster, cheaper, and more relationship-preserving alternative to litigation. Our accredited mediators facilitate structured negotiations between parties, helping them reach binding agreements that avoid the cost and uncertainty of a trial. This is particularly valuable for disputes between long-standing commercial partners or family members.
Whether you are a company chasing a customer for unpaid invoices or an individual who has lent money to a friend or family member, we assess the strength of your claim, explain your options honestly, and pursue the most cost-effective path to recovery.
Who is it for?
- Businesses with outstanding invoices or unpaid commercial debts
- Individuals who have lent money and not been repaid
- Companies involved in contractual disputes with suppliers, clients, or partners
- Creditors seeking to enforce a court judgment or arbitral award
- Parties in a commercial or civil dispute looking for an alternative to litigation
What's included in our service
- Assessment of the claim, debtor solvency, and prospects of recovery
- Formal extrajudicial payment demands (burofax with legal value)
- Monitorio proceedings for undisputed debts (fast-track court process)
- Ordinary civil proceedings for contested or complex claims
- Enforcement of judgments: asset investigation and embargo proceedings
- Mediation services by accredited mediators for commercial and civil disputes
- Negotiated settlement agreements with full legal effect
Documentation you will need to provide
- Original invoices, contracts, or loan agreements evidencing the debt
- Correspondence acknowledging the debt or requesting payment extensions
- Bank records showing payments made and amounts outstanding
- Any prior court judgments or arbitral awards related to the dispute
- Identity and registered address details of the debtor
Key deadlines
- Limitation period for commercial debt claims: generally 3 years
- Limitation period for civil loan claims: 5 years
- Monitorio proceedings can be initiated at any time within the limitation period — prompt action improves recovery prospects
- Enforcement of a court judgment should begin promptly to prevent asset dissipation
Why GCT1
- Firm but measured approach — we pursue maximum recovery while protecting the client's commercial reputation
- Accredited mediators on the team, offering a genuine alternative to court that saves time and cost
- In-depth knowledge of Alicante courts and local procedural practice speeds up every stage
- Transparent fee structures including conditional fee arrangements for qualifying debt recovery cases
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