An unpaid bill

What happens if I do not pay a bill?

What the law says

When a consumer owes money to a business, the bill automatically earns interest at the legal rate from the end of the third month after delivery, the work or the service (Art. 12).
That interest is only due if the business sent the invoice within one month, stating that it intends to apply Article 12 (Art. 13).
The legal interest rate is set every year by grand-ducal regulation (Art. 14).
If you can no longer cope with all your debts, there is an over-indebtedness procedure (law of 8 January 2013): see the guide “I cannot pay my debts any more”.

Check the date and wording of the invoice: they decide whether interest is due (Art. 13).
Talk to the creditor early: a negotiated payment plan often costs less than a procedure.

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