19/10/2026
Under the Prescription Act, many ordinary debts prescribe after the applicable prescription period has elapsed. Simply sending correspondence demanding payment does not generally amount to judicial interruption of prescription.
Prescription can be interrupted by an express or tacit acknowledgement of liability by the debtor, while judicial interruption generally occurs through the service of legal process in which payment of the debt is claimed. The particular circumstances and the type of debt still matter.
Waiting until the final weeks before prescription and assuming that an email or letter of demand has protected the claim can therefore create significant risk.
💡 Debt recovery is not only about whether money is owed. Timing and correct procedure can determine whether the debt remains legally enforceable.
📩 If payment remains outstanding, early legal advice can help ensure the appropriate recovery steps are taken in time.