Debts and debt collection in the Netherlands: overview and help
What would you like help with?
In the event of a summons, garnishment or threatened eviction, quick help is needed. Do not wait until all other debts have been sorted out.
Being unable to pay an invoice is different from disputing it. Make that distinction before responding. If you have several debts, a complete list helps you make realistic payment arrangements.
Frequently asked questions
Do I have to pay the amount in a debt collection letter immediately?
First check what the amount is being claimed for and whether the invoice, payments and costs are correct. Do not ignore the letter. Challenge an incorrect amount with a clear explanation and evidence, rather than merely saying you will not pay.
Checking a debt collection letterWhat if I cannot pay multiple invoices?
Make an overview of creditors, amounts, income and fixed expenses. Contact your municipality early for debt counselling. Do not agree to an arrangement that you cannot maintain based on your overview.
Overview of debt questions · Dutch-language articleHow do I check announced wage garnishment?
Keep the documents and find out who handles the garnishment. Have calculations and the data used checked if you are unsure. A debt collection letter alone does not provide a complete picture of the status of garnishment proceedings.
Wage garnishment and the protected earnings thresholdWhat can you do now?
- Separate disputed amounts from payment problems.
- Make one overview with current amounts and payments already made.
- Seek help from the municipality and respond in time to official documents.
Have this information ready
- Invoices, reminders and bailiff documents.
- Overview of income and necessary expenses.
- Proofs of payment and existing payment arrangements.
When should you seek help quickly?
In the event of a summons, garnishment or threatened eviction, quick help is needed. Do not wait until all other debts have been sorted out.
Official sources and further information
Dutch Government — help with debts ↗General information about Dutch law. The source pages may be in Dutch. This explanation is not an individual legal assessment.
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