Friendly reminder, then formal notice: don’t skip a step
A first, courteous reminder is often enough. If it has no effect, the formal notice (mise en demeure) is the step that triggers default interest (5% per year absent a different agreement) and prepares the file for formal debt collection if payment still doesn’t follow.
What gives a formal notice real weight
An exact, justified amount (referencing the invoice, the contract), a clear and reasonable payment deadline (10 to 15 days is common), and an explicit statement of the consequences of non-payment (interest, debt collection). A threatening tone without these concrete elements usually has no additional effect.
When to move to formal debt collection
A debt collection request to the collection office doesn’t require having won a lawsuit beforehand. It’s often the next step after a formal notice that had no effect, and its cost is generally charged to the debtor if the claim is well founded.
An important note
This guide presents general rules, not individualized legal advice. Every claim has its own particulars (evidence, limitation period, possible dispute by the debtor).
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