Platform to open after mid-June

Thousands of debtors are awaiting the activation of a new emergency repayment scheme of up to 72 instalments for overdue debts to the tax authorities and the e-EFKA social security fund, with the relevant platform expected to become available after mid-June.

The measure covers debts certified up to 31 December 2023 that remained unsettled until 21 April 2026. A key requirement for inclusion in the scheme is that the debtor must have fully paid or arranged the settlement of any debts incurred after 1 January 2024.

With overdue or “non-performing” debts of households and businesses to the state and social security funds amounting to tens of billions of euros, the issue is not limited to large strategic defaulters, but also affects small businesses, freelancers, and self-employed professionals who have faced successive crises in recent years. Taxpayers are advised to exercise particular caution, as:

• Failure to pay two consecutive instalments results in loss of the arrangement.
• Failure to submit tax and social security declarations within three months of their due date also leads to loss of the arrangement.

The creation of new unpaid debts for more than two months constitutes grounds for termination of the arrangement.
Participation in the scheme delivers immediate and tangible benefits, including tax and social security clearance, suspension of seizures and auctions, as well as the possibility of lifting existing seizures upon payment of a 25% advance of the debt.

The interest rate of the arrangement is set at 5.84% annually, with a minimum monthly instalment of 30 euros. For example, a debt of 15,000 included in the 72-instalment scheme would result in a monthly payment of approximately 280 euros.

On the downside, the scheme does not provide for any reduction in surcharges or additional fees, unlike previous arrangements that offered significant discounts depending on the number of instalments or lump-sum repayment. This is widely considered the main drawback of the new framework, as a substantial portion of total debts now consists of accumulated surcharges and interest.

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