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Debt collection and enforcing a judgment in Germany

How creditors recover debts in Germany: the fast Mahnverfahren order-for-payment, enforcement by the bailiff, asset disclosure, and EU enforcement.

LG
The LawyerGo Team
· 7 min read
Debt collection and enforcing a judgment in Germany

Germany has an efficient, document-driven route for undisputed debts that creditors use heavily before any full lawsuit.

The Mahnverfahren

The order-for-payment procedure (Mahnverfahren) is fast and largely automated. The court issues a payment order (Mahnbescheid); if the debtor does not object, it becomes an enforcement order (Vollstreckungsbescheid) — an enforceable title — without a full hearing.

If the debt is disputed

An objection moves the matter into ordinary litigation before the appropriate court, where a normal judgment is sought.

Enforcement

With a title, a bailiff (Gerichtsvollzieher) enforces against assets, and accounts or wages can be attached (Pfändung). A debtor can be required to give a sworn asset disclosure (Vermögensauskunft).

Cross-border recovery

The European Payment Order covers undisputed cross-border claims, and EU judgments are enforced in Germany under Brussels Ia.

For foreign creditors

A verified German colleague can file the Mahnverfahren, escalate if it is disputed, and instruct the bailiff — or enforce your foreign EU judgment.

Procedure and thresholds change — confirm with admitted German counsel.

LG
The LawyerGo Team
Editorial

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