Portugal Lawyers
Debt Recovery
We help individuals and businesses recover outstanding debts, from reviewing documents and issuing demands to negotiating payment arrangements and pursuing recovery through the courts.
An unpaid debt calls for more than persistence. It calls for an informed decision.
Late payments can affect a company's cash flow or a family's financial stability. At Portugal Lawyers, we start by understanding how the debt arose, the documents supporting it and the steps already taken. This assessment helps us plan a proportionate response, considering the amount at stake and the client's objectives.
From a single debt to ongoing support
The service may cover a specific debt or a number of outstanding matters. For organisations with recurring needs, the organisation of work, reporting frequency and decision criteria are agreed according to the scope of instructions and the resources needed for each assignment.
An approach tailored to each debt.
We favour out-of-court solutions where appropriate, assessing the available documents, recovery prospects and costs before agreeing on the next steps.
- 01
Initial assessment
Review of contracts, invoices, due dates and correspondence, identification of the parties and assessment of available recovery options.
- 02
Out-of-court recovery
Payment demands, contact with the debtor, negotiations and the drafting and monitoring of payment agreements.
- 03
Court proceedings
We assess and pursue the procedures appropriate to each case under Portuguese law, including the Portuguese payment order procedure (injunção), civil proceedings to establish the debt and enforcement proceedings, where the applicable conditions are met.
Who the service is for
The service can be tailored to individual creditors and organisations in different sectors, subject to assessment of each case and acceptance of instructions.
- Banks, financial institutions and other credit providers
- Finance leasing, long-term vehicle hire and vehicle rental companies
- Insurers
- Hospitals, clinics and other healthcare providers
- Telecommunications, energy and other service companies
- Construction companies, suppliers and service providers
- Trading and distribution businesses
- Condominium associations, landlords, self-employed professionals and individuals
Personal support and clear information
We agree with the client on the scope of work, fees and anticipated expenses. Updates and offers received are communicated through the agreed channels to support informed decisions.
Documents for the assessment
Contracts or orders, invoices, evidence of delivery or services, due dates, payments already made and correspondence with the debtor. The documents required depend on the case and may be requested after the initial contact.
Are you owed money?
Send us a brief description of the debt and your contact details. We will assess the matter and the next steps.
Recovery depends on the circumstances of the case, the available evidence and the debtor's situation. The initial assessment and this service description do not guarantee recovery.