Debt collection between individuals

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collection between individuals

Difficulties appear very often when a borrower refuses to return a sum of money lent. From then on, various recourses are offered to the lender to get his money back, it is the collection between individuals.

For a loan of less than 1500€, the proof can be demonstrated by any available means: transfer order, photocopy of a check, correspondence demonstrating the existence of the loaned sum, testimonies of third parties, etc. The judge will be able to examine whether the elements submitted allow him to attest to the existence of the loan and therefore to proceed with debt collection.

For a loan of more than 1500€, the lender must provide proof of a written acknowledgement of debt between him and the borrower (articles 1359 and 1376 of the Civil Code).

This acknowledgement of debt can take the form of an authentic act requiring the signature of a notary. This deed is enforceable and therefore allows the lender to avoid going before a judge and to directly request a bailiff. But it can also take the form of a private deed. It is then a contract established directly between the lender and the borrower and signed by the parties. In this case, it will be necessary to take legal action to recover the sums.

The time limit to act is 5 years from the date of the loan (article 2224 of the Civil Code).

Legalcity offers you a 100% online approach for the collection of your debts, from the amicable collection procedure to the referral to the competent court.

How do you go about collecting your debt?

1/ Collection between individuals: the attempt at amicable conciliation

Legalcity systematically proposes, at first, to contact the debtor by mail, email and phone call in order to find a common ground between the two parties.

If the debtor does not respond within 8 days, Legalcity proposes to send a formal notice to the borrower by registered mail. This letter, legally motivated, is the last warning before legal proceedings.

Click here to start an amicable collection attempt

2/ Collection between private individuals: the legal procedure

If this solution does not lead to the desired result, Legalcity can accompany you in a procedure of injunction to pay to the competent court.

Depending on the nature and amount of your claim and within the jurisdiction of these courts, it is :

- the district court for a claim of 10,000 euros or less
- the district court for a claim of more than 10,000 euros

Click here to apply for a payment order

Going further: 

Practical files by economie.gouv :

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5 answers
  1. Nouamen Bilel
    Nouamen Bilel said:

    I lent a friend a sum of 5,000 euros (paid in two transfers: a transfer of 1,000 euros and a transfer of 4,000 euros). I asked him to sign an IOU after the transfers but he didn't do it. We agreed that he would start paying me back in January (500 euros/month). Today, he refuses to pay me back. In this case, can an amicable / legal collection procedure be successful knowing that I have the traces of the transfers (with the wording "loan") and of our messenger discussion? If so, how much could it cost?
    Thank you in advance.
    Thank you in advance,


      We have received your question and we thank you for the attention given to our article on debt collection between individuals.
      We can always help you to file an application for an injunction to pay with the competent Court. However, in your particular case, the absence of an IOU can be misinterpreted by the Court which can refuse to issue an order. It depends on the judges and the jurisdiction. You can also try to entrust us with the collection of your debt. Very often debtors, individuals, understand that when a firm such as LEGALCITY is mandated to collect a sum, it is in their interest to find an amicable solution to the settlement of the sums due. To do so, you can start an amicable procedure by following this link: https: //
      We remain available at 0175858516


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