RaayaMahnung, Inkasso, Mahnbescheid: what to do
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- Last reviewed: 2026-10
A Mahnung is a payment reminder. If it isn't paid, a debt collector (Inkasso) may write, and a creditor can apply for a court payment order (Mahnbescheid). Each step has its own rules; a Mahnbescheid from a court has a short deadline.
Start this journey in RaayaSteps
Check the claim
Do you know the sender? Is the amount right? Did you already pay? Compare it with your contract and bank statements. Beware of fake demands.
Pay or dispute in writing
If the claim is right, pay or ask for an instalment plan. If it is wrong, say so in writing and keep proof.
Check extra fees
Collection fees must be reasonable. A consumer advice centre can tell you whether fees look too high.
Court payment order? Act fast
A Mahnbescheid arrives in a yellow envelope from a court. You can object (Widerspruch) within two weeks using the enclosed form. If you do nothing, the creditor can get an enforceable order.
Documents you'll need
- The letter and envelope (note the delivery date on court mail)
- Contract or invoice
- Proof of payment or earlier correspondence
Deadlines (Fristen)
- Mahnbescheid from a court: two weeks to object.
- Private reminders: the date in the letter; act before costs grow.
Questions and answers
How do I know if a Mahnbescheid is real?
Real ones come from a central court for payment orders (Mahngericht) in a yellow envelope with a delivery date. Check the court's details independently before you pay.
Can Raaya help?
Raaya explains the letter, finds the deadline, reminds you and helps you phrase a reply that you check and send yourself. It is not legal advice.
Start from a template
Official sources
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General information, not legal, tax or immigration advice. Rules and fees change; confirm with the official source or get advice for your case before you act.