Banco / empresa de recobro letter explained in English
Bank or debt collector. Your bank, or a company that collects debts for others. Check that the debt is real before you pay.
Letters you may get
- Requerimiento de pago — they ask you to pay a debt plus costs
- Aviso de inclusión en fichero de morosos — a warning that you may be added to a list of people who owe money
What to do
- Ask for proof of the debt (contract and invoices) if you don’t recognise it. Very old debts may have expired.
- Debt collectors must not harass you or tell other people, like your employer or neighbours, about your debt.
- Find the deadline. Look for “plazo”, “hasta el”, “días hábiles”.
- Write the reference number from the letter on everything you send back, and keep copies.
- If you disagree with a decision, object in writing before the deadline (“recurso de reposición”, “reclamación económico-administrativa”, “recurso de alzada”, “reclamación previa”, “alegaciones”, “oposición”, “recurso”). See the template.
Words you may see
- Requerimiento
- Formal request to send documents, give information or pay.
Questions
What is the Banco / empresa de recobro?
Bank or debt collector. Your bank, or a company that collects debts for others. Check that the debt is real before you pay.
How long do I have to answer a letter from the Banco / empresa de recobro?
It depends on the letter. Look for words like “plazo”, “hasta el”, “días hábiles” — they mark the deadline. In Spain, deadlines usually count from the day after the letter is delivered (notificación). A paper letter is delivered on the day you receive it; an electronic one when you open it, or 10 calendar days after it was made available. We estimate 3 days for post — use the real date if you know it. To object, the letter usually names the way to do it (“recurso de reposición”, “reclamación económico-administrativa”, “recurso de alzada”, “reclamación previa”, “alegaciones”, “oposición”, “recurso”).
Can I read a Banco / empresa de recobro letter in English?
Yes. Take a photo of the letter with Briefly. It explains the letter in plain English, finds the deadline and the amount, and gives you ready-made replies in Spanish. Your letter never leaves your device.
Other offices in Spain
Agencia Tributaria (AEAT) · Tesorería General de la Seguridad Social (TGSS) · Instituto Nacional de la Seguridad Social (INSS) · Servicio Público de Empleo Estatal (SEPE) · Oficina de Extranjería / Policía Nacional · Ayuntamiento · Dirección General de Tráfico (DGT) · Organismo de recaudación / Diputación