{"id":9134,"date":"2023-02-07T08:24:43","date_gmt":"2023-02-07T07:24:43","guid":{"rendered":"https:\/\/sekundi.eu\/velkojen-perinta-euroopassa\/velkojen-perinta-espanjassa\/"},"modified":"2025-10-09T12:17:14","modified_gmt":"2025-10-09T10:17:14","slug":"velkojen-perinta-espanjassa","status":"publish","type":"page","link":"https:\/\/sekundi.eu\/fi\/velkojen-perinta-euroopassa\/velkojen-perinta-espanjassa\/","title":{"rendered":"Velkojen perint\u00e4 Espanjassa"},"content":{"rendered":"\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"553\" height=\"853\" src=\"https:\/\/sekundi.eu\/wp-content\/uploads\/2025\/10\/recouvrement-espagne-barcelone-1-1.jpg\" alt=\"recouvrement international espagne\" class=\"wp-image-9037\" srcset=\"https:\/\/sekundi.eu\/wp-content\/uploads\/2025\/10\/recouvrement-espagne-barcelone-1-1.jpg 553w, https:\/\/sekundi.eu\/wp-content\/uploads\/2025\/10\/recouvrement-espagne-barcelone-1-1-194x300.jpg 194w\" sizes=\"auto, (max-width: 553px) 100vw, 553px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<figure class=\"wp-block-pullquote\"><blockquote><p>Onko sinulla <strong>maksamaton lasku Espanjassa<\/strong>? Etsitk\u00f6 kumppania auttamaan sinua? Lue lis\u00e4\u00e4 saatavien perint\u00e4\u00e4n Espanjassa erikoistuneen kumppanimme tuesta.  <\/p><\/blockquote><\/figure>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter is-style-default\"><a class=\"wp-block-advgb-button_link advgbbtn-aa88353c-8a7c-412b-acb5-8f7793028e50\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span>\u2714 <strong>Paikan p\u00e4\u00e4ll\u00e4 toimiva perint\u00e4toimisto<\/strong><\/span><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button aligncenter is-style-default\"><a class=\"wp-block-advgb-button_link advgbbtn-c29da38a-f352-4917-8440-0bc216dc5ed2\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>\u2714 Yksi tariffi  <\/strong><\/span><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-advgb-button alignfull is-style-default\"><a class=\"wp-block-advgb-button_link advgbbtn-64a67e2f-3420-49b1-98e1-70b24fe26603\" href=\"#\" target=\"_self\" rel=\"noopener noreferrer\"><span><strong>\u2714 24\/7 Intranet<\/strong><\/span><\/a><\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-columns alignwide process is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column animated fadeInUp delay-100ms is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center process__number has-marron-color has-text-color has-xxxxlarge-font-size\"><strong>1<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>Ensimm\u00e4inen yhteydenotto<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><a rel=\"noreferrer noopener\" href=\"https:\/\/sekundi.eu\/contact\/\" data-type=\"URL\" data-id=\"https:\/\/sekundi.eu\/contact\/\" target=\"_blank\">Ota yhteytt\u00e4 yhteydenottolomakkeemme kautta<\/a>, niin tutkimme ongelmasi ja tarpeesi.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"#step1\"><strong>\u2023 Lue lis\u00e4\u00e4<\/strong><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column animated fadeInUp delay-200ms is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center process__number has-marron-color has-text-color has-xxxxlarge-font-size\"><strong>2<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong><strong>L\u00e4het\u00e4 korvausvaatimuksesi<\/strong><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Kerro meille, miss\u00e4 maassa sinulla on maksamattomia maksuja, l\u00e4het\u00e4 meille lasku ja anna meid\u00e4n hoitaa kaikki!<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"#step2\"><\/a><strong><a href=\"#step2\"><strong>\u2023 Lue lis\u00e4\u00e4<\/strong><\/a><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column animated fadeInUp delay-300ms is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center process__number has-marron-color has-text-color has-xxxxlarge-font-size\"><strong>3<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>Saat tietoa<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Pid\u00e4mme sinut ajan tasalla intranetin kautta 24\/7 kaikista tilej\u00e4si koskevista tapahtumista ja toimitamme raportteja saatavien perinn\u00e4n edistymisest\u00e4 valitsemallasi kielell\u00e4.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"#step3\"><\/a><strong><a href=\"#step3\"><strong>\u2023 Lue lis\u00e4\u00e4<\/strong><\/a><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column animated fadeInUp delay-400ms is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center process__number has-marron-color has-text-color has-xxxxlarge-font-size\"><strong>4<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>Takaisinperint\u00e4kustannukset<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Maksu onnistumisen perusteella. Yhten\u00e4inen hinnoittelupolitiikka kaikkialla Euroopassa : 15 % summasta.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"#step4\"><\/a><strong><a href=\"#step4\"><strong>\u2023 Lue lis\u00e4\u00e4<\/strong><\/a><\/strong><\/p>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><div class=\"wp-block-image\">\n<figure class=\"alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"430\" height=\"640\" src=\"https:\/\/sekundi.eu\/wp-content\/uploads\/2025\/10\/spain-2227254_640.jpg\" alt=\"\" class=\"wp-image-9058\" srcset=\"https:\/\/sekundi.eu\/wp-content\/uploads\/2025\/10\/spain-2227254_640.jpg 430w, https:\/\/sekundi.eu\/wp-content\/uploads\/2025\/10\/spain-2227254_640-202x300.jpg 202w\" sizes=\"auto, (max-width: 430px) 100vw, 430px\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<h2 class=\"wp-block-heading\"><strong><strong>Miten luoda tehokas perint\u00e4strategia?<\/strong><\/strong><\/h2>\n\n\n\n<p>Ensinn\u00e4kin on t\u00e4rke\u00e4\u00e4 m\u00e4\u00e4ritt\u00e4\u00e4, mink\u00e4 tyyppisest\u00e4 velallisesta on kyse:<\/p>\n\n\n\n<ul class=\"wp-block-list has-blanc-background-color has-background\">\n<li>Velalliset, jotka eiv\u00e4t yksinkertaisesti ole tarkkaavaisia er\u00e4p\u00e4iv\u00e4\u00e4n, mutta ovat halukkaita ja likvidej\u00e4.<\/li>\n\n\n\n<li>Velalliset, joilla on maksuvalmiutta maksaa, mutta jotka eiv\u00e4t tee niin, koska velkojan kanssa on ristiriita, joka voi vaikuttaa koko velkaan tai osaan siit\u00e4.<\/li>\n\n\n\n<li>Velalliset, jotka eiv\u00e4t maksa yksinkertaisesti siksi, ett\u00e4 he eiv\u00e4t halua maksaa.<\/li>\n\n\n\n<li>Velalliset, jotka haluavat maksaa, mutta eiv\u00e4t pysty maksuvalmiuden puutteen vuoksi.<\/li>\n<\/ul>\n\n\n\n<p>N\u00e4ihin velallisiin sovelletaan erilaista l\u00e4hestymistapaa.<\/p>\n\n\n\n<p>N\u00e4in ollen maksuhaluttomien tahallisten velallisten kanssa tehokkain tapa on nostaa oikeudellinen kanne, koska sovintoon p\u00e4\u00e4seminen on hyvin vaikeaa.<\/p>\n\n\n\n<p>Toisaalta muiden velallisten kohdalla sovintoratkaisu voi osoittautua tehokkaimmaksi, nopeimmaksi ja riitt\u00e4vimm\u00e4ksi tavaksi hoitaa velka.<\/p>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<h2 class=\"wp-block-heading\"><strong>Oikeudelliset menettelyt maksamattomien velkojen perimiseksi Espanjassa<\/strong><\/h2>\n\n\n\n<p>Velan perimiseen on kaksi tapaa, jotka eiv\u00e4t ole kesken\u00e4\u00e4n ristiriidassa: tuomioistuimen ulkopuolinen eli sovintotapa ja oikeudellinen tapa.<\/p>\n\n\n\n<ol style=\"list-style-type:upper-alpha\" class=\"wp-block-list has-marron-gris-background-color has-background\">\n<li><strong>Tuomioistuimen ulkopuolella<\/strong>: On aina suositeltavaa ottaa yhteytt\u00e4 velalliseen ennen oikeudellisen vaateen esitt\u00e4mist\u00e4, jotta voidaan yritt\u00e4\u00e4 p\u00e4\u00e4st\u00e4 sopimukseen.<br\/><\/li>\n\n\n\n<li><strong>Oikeudenk\u00e4ynti<\/strong>: Jos neuvottelut ep\u00e4onnistuvat, on suositeltavaa vied\u00e4 vaade oikeustasolle. Espanjassa on kahdenlaisia oikeudellisia menettelyj\u00e4 velan perimiseksi: \n<ul class=\"wp-block-list\">\n<li>Maksumenettely: T\u00e4m\u00e4 on summaarinen menettely, jota k\u00e4ytet\u00e4\u00e4n maksamattomien m\u00e4\u00e4rien vaatimiseen.<\/li>\n\n\n\n<li>Tavallinen oikeudenk\u00e4ynti.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p>Joka tapauksessa ihanteellista on aina selvitt\u00e4\u00e4 syy maksun laiminly\u00f6ntiin. Joskus maksamatta j\u00e4tt\u00e4minen voi johtua velallisen maksuvalmiuden puutteesta. Toisinaan se voi johtua yksinkertaisesti passiivisuudesta. Kokemuksemme mukaan n\u00e4ihin kahteen tilanteeseen on suhtauduttava eri tavoin, mit\u00e4 k\u00e4sitell\u00e4\u00e4n seuraavassa jaksossa.   <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"421\" src=\"https:\/\/sekundi.eu\/wp-content\/uploads\/2025\/10\/museum-barcelone.jpg\" alt=\"\" class=\"wp-image-9048\" srcset=\"https:\/\/sekundi.eu\/wp-content\/uploads\/2025\/10\/museum-barcelone.jpg 640w, https:\/\/sekundi.eu\/wp-content\/uploads\/2025\/10\/museum-barcelone-300x197.jpg 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div><\/div>\n<\/div>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-columns alignwide process is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column animated fadeInUp delay-100ms is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center process__number has-marron-color has-text-color has-xxxxlarge-font-size\"><strong>1<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong><strong>L\u00e4het\u00e4 korvausvaatimuksesi<\/strong><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Kerro meille, miss\u00e4 maassa sinulla on maksamattomia maksuja, l\u00e4het\u00e4 meille lasku ja anna meid\u00e4n hoitaa kaikki!<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column animated fadeInUp delay-200ms is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center process__number has-marron-color has-text-color has-xxxxlarge-font-size\"><strong>2<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>Saat tietoa<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Pid\u00e4mme sinut ajan tasalla intranetin kautta 24\/7 kaikista tilej\u00e4si koskevista tapahtumista ja toimitamme raportteja saatavien perinn\u00e4n edistymisest\u00e4 valitsemallasi kielell\u00e4.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column animated fadeInUp delay-300ms is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center process__number has-marron-color has-text-color has-xxxxlarge-font-size\"><strong>3<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>Saat maksun<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\">Ty\u00f6skentelemme menestyksen eteen, tavoitteenamme on peri\u00e4 saatavasi tilanteessa, jossa kaikki voittavat.<\/p>\n<\/div>\n<\/div>\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group has-bleu-gris-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center sans-trait has-bleu-clair-color has-text-color has-xlarge-font-size\">LATAA HAKEMUKSESI<\/h2>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<p class=\"wpcf7-contact-form-not-found\"><strong>Virhe:<\/strong> Yhteydenottolomaketta ei l\u00f6ytynyt.<\/p>\n<\/div><\/div>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong><strong>Suhteiden hoitaminen kansainv\u00e4lisiin velallisiin<\/strong><\/strong><\/h2>\n\n<p>N\u00e4iss\u00e4 tapauksissa on aina ihanteellista ottaa yhteytt\u00e4 kansainv\u00e4liseen perint\u00e4verkostoon kuuluvaan asianajotoimistoon, kuten GIM\u00c9NEZ-SALINAS ABOGADOSiin.<\/p>\n\n<p>Sekundilla on intranet, jonka kautta voimme valvoa kansainv\u00e4list\u00e4 perint\u00e4prosessia reaaliajassa, koordinoida toimintaa paikallisen kumppanimme kanssa ja seurata suoraan prosessin jokaista vaihetta. N\u00e4in voimme pit\u00e4\u00e4 asiakkaan ajan tasalla koko ajan. <\/p>\n\n<p>T\u00e4m\u00e4 kansainv\u00e4linen saatavien perinn\u00e4n hallintaj\u00e4rjestelm\u00e4 takaa kansainv\u00e4listen tiedostojen optimaalisen hallinnan yhden luotettavan, paikallisiin markkinoihin erikoistuneen kumppanin kautta, jolla on kaikki k\u00e4ytett\u00e4viss\u00e4 olevat yritystiedusteluty\u00f6kalut ja eritt\u00e4in luotettavien paikallisten kumppaneiden verkosto.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong><strong>Nykyiset perint\u00e4tilastot Espanjassa<\/strong><\/strong><\/h2>\n\n<p>Yritysten velka kasvoi 18,5 miljardia euroa (mm) vuonna 2022 ja oli 79,8 prosenttia suhteessa BKT:hen nelj\u00e4nnell\u00e4 nelj\u00e4nneksell\u00e4, kun taas kotitalouksien velka kasvoi 3,7 miljardia euroa ja oli 58,4 prosenttia suhteessa BKT:hen kyseisell\u00e4 nelj\u00e4nneksell\u00e4.<\/p>\n\n<p>Kotitalouksien bruttovarallisuus kasvoi viime vuonna 7 prosenttia ja oli 223,7 prosenttia suhteessa BKT:hen.<\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><strong><strong>V\u00e4ltt\u00e4m\u00e4t\u00f6n asiakirja ker\u00e4ysprosessien parantamiseksi<\/strong><\/strong><\/h2>\n\n<p>Ennakkotiedot ovat olennaisen t\u00e4rkeit\u00e4 velkojen perinn\u00e4n yhteydess\u00e4.<\/p>\n\n<p>Mit\u00e4 enemm\u00e4n tietoa velallisesta ja maksun laiminly\u00f6nnin syyst\u00e4 on, sit\u00e4 helpompi on kehitt\u00e4\u00e4 ja mukauttaa strategiaa ja sit\u00e4 paremmat mahdollisuudet velan perimiseen ovat.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group alignwide has-bleu-gris-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-center marg0 has-marron-color has-text-color has-small-font-size\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center marg0\" id=\"titre-2-a8530347-58d4-4393-abd8-f975470a0732\"><strong>Usein kysytyt kysymykset velkojen perinn\u00e4st\u00e4 Espanjassa<\/strong><\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-advgb-accordions advgb-accordions-f301cba4-b19f-4ab5-bc90-d14323b27dfe advgb-accordion-wrapper\" data-collapsed=\"true\">\n<div class=\"wp-block-advgb-accordion-item advgb-accordion-item\" style=\"margin-bottom:15px\"><div class=\"advgb-accordion-header\" style=\"background-color:#000;color:#eee;border-style:solid;border-width:1px;border-radius:2px\"><span class=\"advgb-accordion-header-icon accordion-state\"><svg class=\"advgb-icon-closed\" fill=\"#fff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"none\" d=\"M0,0h24v24H0V0z\"><\/path><path d=\"M12,5.83L15.17,9l1.41-1.41L12,3L7.41,7.59L8.83,9L12,5.83z M12,18.17L8.83,15l-1.41,1.41L12,21l4.59-4.59L15.17,15 L12,18.17z\"><\/path><\/svg><svg class=\"advgb-icon-opened\" fill=\"#fff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"none\" d=\"M0,0h24v24H0V0z\"><\/path><path d=\"M7.41,18.59L8.83,20L12,16.83L15.17,20l1.41-1.41L12,14L7.41,18.59z M16.59,5.41L15.17,4L12,7.17L8.83,4L7.41,5.41L12,10L16.59,5.41z\"><\/path><\/svg><\/span><h5 class=\"advgb-accordion-header-title\" style=\"color:inherit\"><strong>Mitk\u00e4 ovat perint\u00e4\u00e4n liittyv\u00e4t kustannukset ja palkkiot?<\/strong><\/h5><\/div><div class=\"advgb-accordion-body\" style=\"border-style:solid !important;border-width:1px !important;border-color:undefined !important;border-top:none !important;border-radius:2px !important\">\n<p>Tuomioistuimen ulkopuolisista perint\u00e4palveluista maksamamme palkkiot perustuvat onnistumiseen, ja ne muodostuvat prosenttiosuudesta perityist\u00e4 m\u00e4\u00e4rist\u00e4.<\/p>\n\n\n\n<p>Lis\u00e4ksi tarjoamme yhten\u00e4ist\u00e4 hinnoittelupolitiikkaa kaikille asiakkaillemme riippumatta siit\u00e4, miss\u00e4 maassa velkojen perint\u00e4 tapahtuu.<\/p>\n\n\n\n<p>Oikeudellisessa vaiheessa tapahtuvasta perinn\u00e4st\u00e4 perit\u00e4\u00e4n kiinte\u00e4 maksu, jonka asiakas perii takaisin, jos kanne hyv\u00e4ksyt\u00e4\u00e4n ja asiakas velvoitetaan korvaamaan oikeudenk\u00e4yntikulut.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-advgb-accordion-item advgb-accordion-item\" style=\"margin-bottom:15px\"><div class=\"advgb-accordion-header\" style=\"background-color:#000;color:#eee;border-style:solid;border-width:1px;border-radius:2px\"><span class=\"advgb-accordion-header-icon accordion-state\"><svg class=\"advgb-icon-closed\" fill=\"#fff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"none\" d=\"M0,0h24v24H0V0z\"><\/path><path d=\"M12,5.83L15.17,9l1.41-1.41L12,3L7.41,7.59L8.83,9L12,5.83z M12,18.17L8.83,15l-1.41,1.41L12,21l4.59-4.59L15.17,15 L12,18.17z\"><\/path><\/svg><svg class=\"advgb-icon-opened\" fill=\"#fff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path fill=\"none\" d=\"M0,0h24v24H0V0z\"><\/path><path d=\"M7.41,18.59L8.83,20L12,16.83L15.17,20l1.41-1.41L12,14L7.41,18.59z M16.59,5.41L15.17,4L12,7.17L8.83,4L7.41,5.41L12,10L16.59,5.41z\"><\/path><\/svg><\/span><h5 class=\"advgb-accordion-header-title\" style=\"color:inherit\"><strong>Miten automatisoida perint\u00e4prosesseja, jotta ne olisivat tehokkaampia?<\/strong><\/h5><\/div><div class=\"advgb-accordion-body\" style=\"border-style:solid !important;border-width:1px !important;border-color:undefined !important;border-top:none !important;border-radius:2px !important\">\n<p>Gimenez-Salinasin k\u00e4ytt\u00e4mien erityisten ohjelmistojen ja mekanismien k\u00e4ytt\u00f6\u00f6notto viestinn\u00e4n ja verkkosis\u00e4ll\u00f6n varmentamiseksi mahdollistaa prosessin nopeuttamisen ja velallisen vastauksen saamisen reaaliajassa.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignwide has-marron-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-blanc-color has-text-color has-xxlarge-font-size\"><strong>Onko sinulla maksamattomia<\/strong> <strong>velkoja toisessa maassa ja onko sinulla ongelmia niiden maksamisessa?<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-advgb-button aligncenter advgb-dyn-eecc7f27\"><a class=\"wp-block-advgb-button_link advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048\" href=\"https:\/\/sekundi.eu\/de\/senden-sie-ihre-forderungen\/\" target=\"_self\" rel=\"noopener noreferrer\"><span><span>Tee hakemus<\/span><\/span><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignwide network\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-center marg0 has-marron-clair-color has-text-color has-small-font-size\"><strong>OUR NETWORK<\/strong><\/p>\n\n\n\n<h2 class=\"has-text-align-center marg0 wp-block-heading\">Connected countries<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<ul class='country-sitemap'><li><a href='https:\/\/sekundi.eu\/fi\/velkojen-perinta-euroopassa\/'>Velkojen perint\u00e4 Euroopassa<\/a><ul><\/li><\/ul><\/li><\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<p>Kuvat <a href=\"https:\/\/pixabay.com\/fr\/users\/dominickvietor-6362547\/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=5188598\">Dominick Vietor<\/a>, <a href=\"https:\/\/pixabay.com\/fr\/users\/stephaniemonot-4879697\/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=2227254\">stephaniemonot<\/a> &amp; <a href=\"https:\/\/pixabay.com\/fr\/users\/matressa_-5912997\/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=4917179\">Maria Teresa Mart\u00ednez<\/a><\/p>\n<style class=\"advgb-styles-renderer\">.advgbbtn-aa88353c-8a7c-412b-acb5-8f7793028e50{font-size:18px;color:#2f2f2f !important;background-color:#dde3e9 !important;margin:0px 0px 0px 0px !important;padding:10px 30px 10px 30px;border-width:3px !important;border-color:#dde3e9 !important;border-style:solid !important;border-radius:50px !important;}.advgbbtn-aa88353c-8a7c-412b-acb5-8f7793028e50:hover{background-color:#dde3e9 !important;box-shadow:0px 0px 0px 0px #ccc;opacity:1;transition:all 0.2s ease;}.advgbbtn-aa88353c-8a7c-412b-acb5-8f7793028e50 > i {display: none !important;}.advgbbtn-aa88353c-8a7c-412b-acb5-8f7793028e50{font-size:18px;color:#2f2f2f !important;background-color:#dde3e9 !important;margin:0px 0px 0px 0px !important;padding:10px 30px 10px 30px;border-width:3px 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!important;}.advgbbtn-64a67e2f-3420-49b1-98e1-70b24fe26603:hover{background-color:#dde3e9 !important;box-shadow:0px 0px 0px 0px #ccc;opacity:1;transition:all 0.2s ease;}.advgbbtn-64a67e2f-3420-49b1-98e1-70b24fe26603 > i {display: none !important;}.advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048{font-size:18px;color:#fff !important;background-color:#7f634b !important;margin:0px 0px 0px 0px !important;padding:10px 30px 10px 30px;border-width:1px !important;border-color:#fff !important;border-style:solid !important;border-radius:50px !important;}.advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048:hover{color:#7f634b !important;background-color:#fff !important;box-shadow:0px 0px 0px 0px #ccc;opacity:1;transition:all 0s ease;}.advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048 > i {display: none !important;}.advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048{font-size:18px;color:#fff !important;background-color:#7f634b !important;margin:0px 0px 0px 0px !important;padding:10px 30px 10px 30px;border-width:1px !important;border-color:#fff !important;border-style:solid !important;border-radius:50px !important;}.advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048:hover{color:#7f634b !important;background-color:#fff !important;box-shadow:0px 0px 0px 0px #ccc;opacity:1;transition:all 0s ease;}.advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048 > i {display: none !important;}.advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048{font-size:18px;color:#fff !important;background-color:#7f634b !important;margin:0px 0px 0px 0px !important;padding:10px 30px 10px 30px;border-width:1px !important;border-color:#fff !important;border-style:solid !important;border-radius:50px !important;}.advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048:hover{color:#7f634b !important;background-color:#fff !important;box-shadow:0px 0px 0px 0px #ccc;opacity:1;transition:all 0s ease;}.advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048 > i {display: none !important;}.advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048{font-size:18px;color:#fff !important;background-color:#7f634b !important;margin:0px 0px 0px 0px !important;padding:10px 30px 10px 30px;border-width:1px !important;border-color:#fff !important;border-style:solid !important;border-radius:50px !important;}.advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048:hover{color:#7f634b !important;background-color:#fff !important;box-shadow:0px 0px 0px 0px #ccc;opacity:1;transition:all 0s ease;}.advgbbtn-cf4b924b-2b4d-4edc-bce9-c10c4dea7048 > i {display: none !important;}<\/style>","protected":false},"excerpt":{"rendered":"<p>Onko sinulla maksamaton lasku Espanjassa? Etsitk\u00f6 kumppania auttamaan sinua? Lue lis\u00e4\u00e4 saatavien perint\u00e4\u00e4n Espanjassa erikoistuneen kumppanimme tuesta. Miten luoda tehokas perint\u00e4strategia? Ensinn\u00e4kin on t\u00e4rke\u00e4\u00e4 m\u00e4\u00e4ritt\u00e4\u00e4, mink\u00e4 tyyppisest\u00e4 velallisesta on kyse: N\u00e4ihin velallisiin sovelletaan erilaista l\u00e4hestymistapaa. N\u00e4in ollen maksuhaluttomien tahallisten velallisten kanssa tehokkain tapa on nostaa oikeudellinen kanne, koska sovintoon p\u00e4\u00e4seminen on hyvin vaikeaa. Toisaalta muiden [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":7624,"menu_order":52,"comment_status":"closed","ping_status":"closed","template":"","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"class_list":["post-9134","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Velkojen perint\u00e4 Espanjassa -% Kansainv\u00e4linen perint\u00e4j\u00e4rjestelm\u00e4<\/title>\n<meta name=\"description\" content=\"Onko sinulla maksamaton lasku Espanjassa? 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