🇲🇹 Southern Europe
Debt Recovery in Malta
Malta's English-language legal system and EU framework make it one of the most predictable recovery jurisdictions in the Mediterranean.
Limitation period
5 years
Typical amicable recovery
14–30 days
Legal procedure
3–9 months
Languages
Maltese · English
Statute of limitations
Five-year prescriptive period for commercial debts under Article 2156 of the Maltese Civil Code.
Late payment & interest
S.L. 459.01 transposing the EU late payment directive: ECB rate + 8% plus €40 recovery costs.
Enforcement
Sworn application or judicial letter (Article 166A) for undisputed debts; enforcement via warrants of seizure and garnishee orders.
Local practice notes
- Judicial letter under Article 166A creates an executive title if uncontested
- MBR (Malta Business Registry) supports verification
- English-language proceedings throughout
Active sectors
Financial servicesiGamingMaritimeTourism