invordering

Invordering is a legal term used in some Dutch-speaking jurisdictions to describe the process by which a creditor seeks to obtain payment of an outstanding monetary claim. It encompasses both voluntary and formal steps to recover debt, and may involve administrative or judicial action depending on the case and the applicable law. The concept is often equated with debt collection or collection enforcement in civil law, but the exact procedures and remedies can vary by country.

Typically, invordering begins with informal collection efforts, such as sending a reminder or demand for payment. If the debt remains unpaid, a creditor may pursue formal remedies, which can include obtaining a court order or judgment that confirms the debt and authorizes enforce­ment. Once a judgment is obtained, enforcement measures may be used to compel payment. Common instruments include wage garnishment or bank account seizure, attachment or seizure of assets, liens on property, and other forms of distraint. In many systems, enforcement is carried out by specialized officers or bailiffs who administer the procedures and ensure legal protections for the debtor, such as limits on what can be seized and time to cure the debt.

Invordering also covers related costs and interest that may accrue from the time the claim becomes due, subject to statutory limits. Debtors typically have avenues to challenge the claim or to present arrangements for repayment, such as installments, during the invordering process. The rules governing invordering aim to balance the creditor’s interest in recovering the debt with safeguards against abuse and unfair treatment of debtors.

See also: debt collection, enforcement of judgments, garnishment, distraint.