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Notariaat Wellens

Acknowledgement of debt

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YOUR PREPARATION · AGREEMENTS

Specific documents for your meeting. Indicate what is ready, where you need help, and what is not applicable.

Prepare what you already have. A missing document is no reason to postpone your first appointment. We will discuss what we can obtain for you.

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Which documents should I provide?

Original agreement and invoices

Provide the complete version with date, attachments and later amendments. Do you not have this document or do you not know if it exists? Select “Help needed” and discuss it with the office.

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To review

Proofs of payment and balance calculation

Request the document from your bank or download it from your own online banking environment. State the date and file reference. Provide statements, never passwords or access codes.

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To review

Correspondence and formal notices

Provide the complete correspondence or decision with attachments. Show envelopes or proof of receipt if a deadline applies.

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To review

Judgements or procedural documents

Provide the complete correspondence or decision with attachments. Show envelopes or proof of receipt if a deadline applies.

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To review

Proposal for repayment plan

Provide the complete version with date, attachments and later amendments. Do you not have this document or do you not know if it exists? Select “Help needed” and discuss it with the office.

Status

To review

What do we record?

We examine the documents and legal implications. You do not need to work out the arrangement yourself beforehand. We will agree on which missing documents we can request.

A check mark means you have prepared this item. It does not mean that the office has already checked the documents or that your file is complete.

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"A calm question about the concrete basis returns responsibility to the person making the assertion."
Paul Wellens

Your questions, step by step

Do you want to put a debt in writing? First we examine what is established, what is possibly disputed and what consequences your signature entails.

Why do I go to the notaire for this?

An acknowledgment of debt can strengthen the proof, but also have consequences for rights and limitation periods. Have it examined first what is actually owed and possibly disputed.

How do we correctly record an existing debt?
  1. Collect the original agreement, invoices and payments.

  2. Make a verifiable calculation of the balance.

  3. Discuss acknowledgment, payment and possible security before signing.

How does this proceed and how long does it take?

Report reminders and procedural dates immediately. The limitation depends on the debt and prior actions; have these assessed separately.

Which documents should I provide to the notaire?
What does the notaire do and investigate?
  • What proves the debt and what is the correct balance?
  • Is an amount disputed or possibly barred by limitation?
  • What does the acknowledgment mean legally?
  • Are payment, interest and securities enforceable?

We agree on which searches the office will conduct and which information you, your bank or another expert will provide.

What should I pay attention to before I sign?

Check cause, amount, interest and costs. Do not acknowledge a disputed amount without understanding the consequences.

Is a passage still unclear? Feel free to ask for an explanation with an example from your own situation. Only sign when you understand what you are agreeing to.

What else must I arrange afterwards?

Monitor payments and keep proof. In case of non-payment, promptly inquire about the possible next steps.

Which practical tips can help me?

Do not add costs without verifying their basis. A clear balance table prevents misunderstandings.

What do these words mean?
Acknowledgement of debt
the written confirmation that a debt exists.
Limitation period
the passage of time which, according to the applicable rules, may have consequences for a claim.
Where can I find more explanation or help?

You do not have to phrase your question in legal terms. Tell what concerns you, what you want to arrange and if an important date is approaching.

We will look together at the next step. We agree in advance on how the office will assist you and what costs are involved.

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General explanation for your preparation. The rules and documents that apply to you are determined based on your file.