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Recover your company's outstanding debts

Professional debt collection and recovery service for businesses. We recover your unpaid invoices effectively and without burdening your team.

The problem

Unpaid invoices are more than an accounting headache: they choke your cash flow, stall growth, and consume management time that should be spent generating business. Many companies delay debt collection out of ignorance of the process, fear of damaging commercial relationships, or the belief that legal costs will exceed the amount recoverable. Meanwhile, limitation periods keep running and the debtor's solvency may deteriorate, reducing the real chances of collection with every passing week.

Our solution

At BM Consulting we apply a phased recovery system that maximises the collection rate while controlling costs at every stage. We start with a firm but professional pre-litigation claim that preserves commercial relationships wherever possible. If the amicable route fails, our legal team escalates to specialised court proceedings — payment orders, bill of exchange actions, or enforcement proceedings — and manages judgment execution through to actual collection. You only get involved when we need your strategic approval.

Process

How we do it

1

Feasibility analysis

We assess the supporting documentation, the debtor's solvency, and the likelihood of recovery to define the optimal strategy and give you a realistic estimate before taking any action.

2

Pre-litigation claim

We send formal demands to the debtor, negotiate structured payment proposals, and where appropriate, formalise debt acknowledgement agreements that strengthen your legal position.

3

Court proceedings

If the amicable route fails, we file the most suitable legal action: payment order, bill of exchange proceedings, ordinary claim, or insolvency petition, always seeking the fastest and most cost-effective resolution.

4

Enforcement and collection

We manage the enforcement of judgments, attachment of bank accounts, real estate, and receivables until the amount owed is effectively recovered.

92%
Recovery rate
3,200+
Debts managed
45 days
Average resolution time

We had over 180,000 euros in unpaid invoices accumulated over two years. BM Consulting recovered 94% in under three months, most of it at the pre-litigation stage. Their phased system gave us visibility and control throughout.

Elena Ruiz Finance Director, Distribuciones Levante SL

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The hidden cost of not claiming

Many businesses write off unpaid invoices as an inevitable cost of doing business. However, the real impact goes far beyond the nominal amount: unpaid debts strain cash flow, force reliance on external financing at a cost, and create a domino effect that can transfer the problem to your own suppliers.

Moreover, unclaimed debts send a dangerous signal to the market: that your company tolerates late payment. A professional, systematic approach to debt recovery not only gets your money back, but reinforces the perception of rigour and seriousness of your organisation.

Types of debt we handle

Our team has proven experience in recovering all types of business receivables:

  • Commercial invoices for the supply of goods or provision of services
  • Debts arising from lease, franchise, or distribution agreements
  • Promissory notes, bills of exchange, and dishonoured cheques
  • Damages for breach of contract
  • Cross-border receivables within and outside the European Union
  • Debts owed by public administrations and official bodies

Advantages of professional recovery

Professional debt recovery offers decisive advantages over direct claims by the creditor. A specialist team understands the deadlines, procedures, and negotiation techniques that maximise the probability of collection. The involvement of a professional third party also changes the debtor’s perception of the seriousness of the claim, significantly accelerating resolution times.

At BM Consulting, our phased approach lets you control risk at every stage: if the amicable route succeeds, the cost is minimal; if litigation is needed, you already have all the documentation and strategy in place to act swiftly.

FAQ

Frequently asked questions

How much does it cost to pursue a debt?
At the pre-litigation stage we typically work on a success fee basis on the amount actually recovered, with no upfront costs to you. At the litigation stage, we combine competitive fixed fees with a success fee. We always present the terms in writing before taking any action.
What documents do I need to start a claim?
We need the unpaid invoices, contracts or purchase orders evidencing the commercial relationship, signed delivery notes, any prior correspondence with the debtor (emails, certified letters), and the debtor's identification details (company name, tax ID, registered address).
Does it work for international debts?
Yes. We handle cross-border debt recovery within the European Union through the European Payment Order and European Enforcement Order procedures. For debtors outside the EU, we coordinate with local correspondents in key jurisdictions.
Is there a limitation period for claiming a debt?
Yes. In Spain, personal actions (commercial invoices) are subject to a 5-year limitation period under Article 1964 of the Civil Code. Promissory notes expire after 3 years and bills of exchange after 1 year. It is essential to act before the deadline, as limitation permanently extinguishes the right to collect.
What happens if the debtor is insolvent?
We assess whether it is appropriate to file for insolvency proceedings or to enter proceedings already in progress to protect your credit ranking. We advise on the classification of your claim (secured, ordinary, or subordinated) and the realistic chances of recovery within the insolvency process.
Can I claim late-payment interest?
Yes. Spanish Law 3/2004 on measures to combat late payment in commercial transactions sets a statutory interest rate that currently stands at around 10-11% per annum. In addition, you are entitled to a fixed compensation of 40 euros per unpaid invoice to cover collection costs.

Take the first step

Request a no-obligation consultation and discover what we can do for your business.

Free consultation