Understand the rule
Book XIX of the Belgian Code of Economic Law regulates reminders and charges for consumer debts owed to businesses. A free first reminder and a minimum waiting period generally apply. Regular services have specific rules.
Prepare your next steps
- Compare the reminder with the contract and invoice: creditor, service, amount, due date and payments already made.
- Request the calculation and supporting documents for disputed charges. Explain precisely what you dispute instead of merely refusing payment.
- Keep the letter, envelope or email and a timeline. If you need instalments, propose affordable amounts and request written agreement.
Practical example
Fictional example: you are charged twice for a paid subscription. Send the payment reference and request a check without sharing unrelated bank transactions.
What to check
This does not automatically cover taxes, fines or business-to-business debts. An ordinary reminder and a bailiff’s procedural document require different responses.
Frequently asked questions
Can I just ignore the reminder?
It is better to answer with evidence. A dispute does not automatically suspend proceedings or deadlines. Have judicial documents reviewed promptly.
Sources and useful texts
Sources consulted on 27 September 2026
General information about Belgian law. Region, date of events and your circumstances can change the applicable rule.
Text version ↓