Protecting your cash flow
In a volatile economic climate, a company's ability to recover its receivables is directly linked to its survival and growth. An uncollected invoice is not just an accounting problem—it's a cash flow blockage. A court judgment (enforceable title) recognizing a debt is an asset that must be leveraged quickly and legally.
TGZ Legal provides efficient and rapid legal solutions for debt recovery, managing the entire enforcement procedure while also defending debtor interests against abusive enforcement actions. Our work is conducted in strict accordance with the Civil Procedure Code.
The greatest risk for a creditor seeking to recover a debt is passivity. Our experience shows that many creditors permanently lose their right to recover money because they don't act in time.
The time trap: Statute of limitations
Act immediately when:
Forced recovery is a technical procedure that can only be carried out through a bailiff.
First, the document certifying the debt and allowing the commencement of enforcement proceedings must be obtained.
The creditor files the enforcement application, with the assistance of a lawyer, with a competent enforcement officer.
The creditor files the enforcement application, with the assistance of a lawyer, with a competent enforcement officer.
We will assist you and formally notify the debtor by serving an official payment demand, granting a payment deadline.
If the debtor doesn't pay, the bailiff begins effective enforcement.
For certain, liquid, and due receivables – accelerated court procedure.
A clear workflow for efficient debt recovery.
We analyze the enforceable title, verify limitation periods, and identify debtor assets.
The debtor receives the summons and has 15 days for voluntary payment.
We submit the enforcement request and pay necessary fees.
The debtor receives the summons and has a few days for voluntary payment.
If the debtor doesn't pay, the bailiff applies enforcement measures (garnishment, seizure).
The debtor's perspective
Main weapon
The only legal avenue through which a debtor can defend against enforcement.
Payment deadline
The most common and serious mistake a debtor makes is ignoring the summons received.
Suspension
Along with the challenge, you can request suspension of enforcement pending resolution.
Title challenge
A specific form of challenge for defenses regarding the substance of the debt.
A challenge to enforcement is not merely a delay request. It must be grounded in solid legal arguments.
The strongest ground for challenge.
The document doesn't meet legal requirements.
Procedural defects affecting the validity of enforcement.
When the enforceable title is unclear.
The general limitation period for the right to request enforcement is 3 years. This period runs from the date the judgment became final. If you don't initiate enforcement within this period, you lose the right to forcibly recover the debt.
Contact a specialized attorney immediately. You have a very short deadline, typically a few days from service, to file a Challenge to Enforcement. Ignoring the summons doesn't stop enforcement; on the contrary, it causes you to lose the only legal avenue of defense.
Garnishment is the most common form of indirect enforcement. The bailiff sends a notice to a third party (called the garnishee), usually the bank where you have your account or your employer, ordering them to block and pay directly to the creditor the amounts owed to you.
Yes, but not automatically. You can request the court to suspend enforcement, but only within a Challenge to Enforcement. Typically, the court will require payment of a security deposit (a sum of money deposited as guarantee) to grant the suspension.
It is a specific form of challenge to enforcement through which the debtor raises defenses regarding the substance of the debt (e.g., "I already paid," "the contract is void"). This is permitted only if the enforceable title is not a court judgment (where these defenses should have been raised in the main proceedings), for example, in the case of enforcing a promissory note.
Send us your situation context and within 24h we'll return with an assessment and available options.