4.1. Enforcement in debt

Enforcement in debt requires an action by you as the creditor to be signed by the bailiff, who will notify the debtor and any third party. This document has to confirm the details of your company and credit, the list of goods or monies subject to enforcement (the debtor cannot dispose of them), and the domicile election of your company in the city of the court.

The enforcement can refer to different types of credit, such as bank accounts, goods located at a third party, and, on the basis of limits fixed by law, any salaries and retirement pensions.

4.2. Enforcement in movable property

The bailiff visits the debtor’s address to find out whether any property can be seized. It is provided by law that:

  • Execution cannot be made against certain property (unseizable goods)
  • The bailiff can only visit the debtor during the time period fixed by law, e.g. between 7.00am and 9.00pm
  • The bailiff cannot proceed during holiday periods
  • Property that can be taken by the bailiff and given to the registrar (the clerk of the court) is money, jewellery, and credit. Other goods must be given to the official receiver
  • The costs are fixed and depend on the value of the goods found by the bailiff

4.3. Enforcement in immovable property

Before proceeding with enforcement in immovable property, the debtor’s real estate should be valued, because this procedure is very long and expensive. The enforcement in immovable property consists of a notification and a record sent to the debtor that contains a document detailing the immovable property and the rights submitted at the execution.

After the notification, the bailiff gives an original copy of the document to the land registrar for registration. After 10 days from the execution, the creditor can ask for the sale of the immovable property.

4.4. Expected time frame

For enforcement in movable property, the duration of the procedure depends on how many auction sales the judge feels are necessary to sell the property.

Enforcement in immovable property is a very expensive and time-consuming measure that often lasts several years. Usually, this procedure is used for large amounts above EUR 100,000.

(End of chapter 4 - Enforcement)

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