When you receive the decision informing you that you have unduly received an unemployment benefit, indicating the exact amount to be repaid, you may:

• From 21 December 2023 onwards, request partial offsetting of this amount, allowing you to receive part of the recognised benefit or allowance, provided that you submit the request before the start of enforcement collection proceedings.
• Apply for payment of the unduly received amount in instalments. 

If you wish to pay the debt in instalments, you must submit a written application to the Spanish State Public Employment Service (SEPE) within 30 days from notification of the overpayment, and in any case before enforcement collection begins.

If the instalment request is submitted after the 30-day period has elapsed, a surcharge for late payment will be applied to the outstanding debt.

In the instalment payment application, you must justify the monthly amounts you are able to repay, taking into account your social, employment and financial situation, personal circumstances and the guarantees offered for repayment.

The instalment payment application must include the following mandatory information: 

a) Identification details and the amount of the debt
b) The reasons for requesting payment by instalments
c) The requested instalment period and due dates
d) The address or means chosen for notification purposes
e) If the debt exceeds €150,000, you must provide guarantees covering the principal amount and any applicable surcharges.

If the instalment application does not meet the required conditions, if the necessary documents are not provided, or if errors or omissions are identified, you will be asked to correct the issue or submit the required documentation within 10 days. Failure to do so will result in the application being deemed withdrawn.

If SEPE grants the instalment arrangement, late-payment interest at the rate in force will be applied to the outstanding amount from the date of approval until full payment is made, throughout the duration of the instalment period. 

The applicable interest will be charged on the principal debt and, where applicable, on any corresponding surcharges.

SEPE will issue a decision on the instalment payment request within a maximum period of 3 months from the date the application is registered. If no express decision is received within this period, the application will be deemed to have been rejected.

The decision must specify:

• The total amount of the debt
• The period to which the debt relates 
• The duration and payment schedule of the instalment plan
• The deadlines for providing guarantees, where applicable. 

If SEPE rejects the instalment request, the decision will grant a new repayment period of 15 days from the date of notification.