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Debt Collection in Greece

Greece hands a documented creditor something few systems offer: the diatagi pliromis is not merely an order that becomes enforceable if unopposed - it is an enforceable title from the moment it issues. The debtor's opposition does not automatically suspend it. On a well-documented invoice, that inverts the usual pressure.

๐Ÿ›๏ธ Athens Thessaloniki Piraeus Patras Heraklion
Capital
Athens
Legal System
Civil law
Currency
EUR - Euro
Courts
Eirinodikeio / Protodikeio

Courts and Codes

Claims are heard by the Eirinodikeio (magistrate's court) or the Protodikeio (court of first instance) by value. As an EU member state Greece also offers the European Order for Payment and European Enforcement Order to creditors elsewhere in the Union - but for a documented claim the domestic route is usually stronger, for the reason set out below.

A Payment Order That Bites Immediately

The diatagi pliromis is granted by a single judge on documentary evidence, without the debtor being heard. What distinguishes it from equivalents elsewhere is its status: it constitutes an enforceable title from issue, so enforcement steps can be commenced against the debtor before any opposition is determined.

The debtor may file opposition within the statutory period, and may separately apply to suspend enforcement - but suspension is not automatic and has to be argued for. For a creditor holding a clean invoice with proof of delivery, this means the debtor is placed on the back foot from the outset, which is the reverse of the usual position in civil law systems.

The strength of the route depends entirely on documentary quality. Greek courts examine the paperwork closely at the application stage, and a gap in the delivery evidence is a reason for refusal.

Five Years for Merchants' Claims

Greek law applies a five-year limitation period to claims arising from a merchant's supply of goods or services, against a twenty-year general period for other obligations. For a commercial supplier the operative figure is therefore five, running from the end of the year in which the claim became due.

That year-end mechanic mirrors the German approach and produces the same clustering effect: claims from a trading year expire together rather than on individual anniversaries.

Statutory Late Payment Interest

Greece implements the EU Late Payment Directive, giving a business creditor statutory interest at the ECB reference rate plus a statutory margin from the due date, together with a fixed compensation sum for recovery costs. Setting the figure out precisely in the demand matters here because it forms part of the sum for which the payment order is sought.

How Long Does a Greek Claim Take?

StageTypical DurationCost
Pre-legal demand
Exodikos, negotiation, settlement
3โ€“6 weeksLow
Diatagi pliromis
Application to enforceable title
4โ€“10 weeksLow
Opposition proceedings
Where the debtor opposes
1โ€“3 yearsHigh
Enforcement
Kataschesi - accounts, receivables, assets
3โ€“8 monthsMedium

How Does SXB Global Handle a Greek Case?

Everything turns on the documents, because the payment order route is documentary and the court examines the file properly before granting. We assemble and check the evidence first, then quantify statutory interest into the sum claimed. Contact is conducted in Greek. Where legal proceedings become appropriate, SXB Global coordinates the instruction of appropriately authorised local counsel. Legal services are provided by the relevant independent legal professionals.

Pre-Legal Recovery
Exodikos in Greek with statutory interest quantified into the claim.
Documentary Assessment
Whether the file supports a payment order application as it stands.
Local Counsel Coordination
Where proceedings become appropriate, we coordinate authorised Greek counsel.
Debtor Intelligence
GEMI register filings, group structure and solvency indicators.

Greece - FAQ

Is the payment order enforceable straight away?+
Yes. Unlike equivalents in most civil law systems, the diatagi pliromis is an enforceable title from issue. The debtor can oppose and can apply to suspend enforcement, but suspension is not automatic and must be argued for.
What if my delivery paperwork is incomplete?+
It matters more here than in most jurisdictions. Greek judges examine the documentary file at the application stage, and gaps are a reason for refusal. We assess whether the file supports an application before making one.
How long is the limitation period?+
Five years for claims arising from a merchant's supply of goods or services, running from the end of the year in which the claim became due - so claims from one trading year expire together, as in Germany.
Does SXB Global litigate in Greece?+
No. We are a commercial debt recovery and receivables management consultancy, not a law firm, and we do not provide legal advice or legal representation. Where legal proceedings become appropriate, we coordinate the instruction of appropriately authorised local counsel; legal services are provided by those independent legal professionals.

Comparable Systems

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SXB Global coordinates the recovery of commercial debt in Greece from first contact to settlement. Send us the file for a free assessment.

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