Debt enforcement law: Several debts from the same person, can I add them up?

Does your debtor owe you several debts? How to proceed if this is the case? Our team tells you all about it in this article.

The creditor is not obliged to send several requests if the same debtor owes him several debts. 

All claims can be combined in one lawsuit. Indeed, the law does not mention any limits. A material connection between the debts is not necessary. 

The only constraint is that the mode of pursuit must be the same (e.g. one cannot pursue a legal person and a natural person in the same proceedings).

Thus, the amounts of the debts can be added together! 


What about the interest rates?

There are three ways to proceed when calculating interest on multiple debts:

  1. Apply the interest rate on the principal claim only;
  2. Apply the average interest rate on the sum of the debts;
  3. Add up the interest rates, which becomes an additional debt.


You can therefore add up the debts that your debtor owes you. 

It is still important to choose a good strategy when dealing with multiple debts. Whether or not to bundle and the choice of interest rate can influence the course of the lawsuit. 

As a creditor, you must always consider your primary interest: recovering all the money owed to you. This is why we recommend that you call in a lawyer to establish your strategy, in order to guarantee repayment as quickly as possible and without lengthy and costly procedures!

Do you want to sue your debtor, but don’t know how to best go about it? Lawrence helps you recover your money and assists you in your legal steps!

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