Spanish official letters explained: Hacienda, DGT, Seguridad Social
No letter left unexplained.
No deadline missed.
Cartamiga explains letters from Hacienda, the Seguridad Social, the DGT, your town hall and your electricity and phone companies. It tells you how much time you have, what happens if you do nothing, and prepares your reply.
Explained in 60 seconds · 3 free letters with your Google account · We don't keep your photos
Providencia de apremio (enforcement notice) · 340 €
- What it is: you didn't pay a debt on time and now a surcharge has been added.
- What they ask: pay 340 € + surcharge before the deadline.
- Careful: if you do nothing, they can freeze money in your bank account.
Illustrative example. Every case depends on its own notice.
How it works
Start with a photo. When you're ready, connect your official mailboxes and nothing will slip through.
Receive
Take a photo of the letter or forward it. Soon you'll be able to connect your official notifications with an authorisation you can withdraw at any time. We never ask for your Cl@ve (Spain's digital ID login).
Understand
We explain in your language what it is, what they're asking, how long you have and what happens with each option: pay, appeal, postpone or do nothing.
Resolve
We prepare the letter, appeal or complaint for you. You file it in one click or we file it for you. If it's complex, a gestora colegiada (licensed administrative agent) reviews it.
Everything in one place
What's now scattered across five websites, three apps and a shoebox.
One inbox for everything
Hacienda, Seguridad Social, DGT, town hall, electricity, water and phone.
Reminders on time
Deadline traffic lights and a reminder about the 50% discount on fines.
Ask by voice
"What can I do?" in your language, with the law quoted and no jargon.
Ready-made letters
Objections, appeals, payment deferrals and complaints to companies.
Savings
We check your bills and whether you qualify for the bono social (discounted energy rate) or other benefits.
Debt overview
See if you owe anything to any public office before they seize your money.
Who it's for
Families and workers
Fines, Hacienda letters, IBI (property tax) and bills, without missing deadlines or discounts.
Self-employed
Official requests, contributions and seizures: a second pair of eyes on top of your accountant.
Children of elderly parents
Pensions, long-term care, bono social and protection against scams.
Newcomers
NIE (foreigner ID number), TIE (residence card), town hall registration and official letters explained in your language.
Upload your letter and we'll explain it
A photo or PDF of a letter from Hacienda, the Seguridad Social, the DGT, your town hall or a bill. Free during the beta.
Sign in with Google and try it free
You get 3 free letter explanations. We only use your email for your account.
This answer comes from artificial intelligence. It is guidance only and does not replace advice from a licensed professional.
Guides to understand your letters and save money
The guides are in Spanish (for now).
Clear prices, no small print
We're in test access: nothing is charged for now. Choose the plan you're interested in and send a request; we'll write to you as soon as plans open.
Basic
- All your notifications in one inbox
- Unlimited explanations
- 1 written document per month
Plus
- Voice assistant
- Unlimited written documents
- Bill and benefits check
Why you can trust us
We never use your Cl@ve
We work with official authorisations that you give and withdraw whenever you want.
Real people behind it
Complex cases are reviewed by a gestora administrativa colegiada (licensed administrative agent) in Valencia.
Your data stays in Europe
We don't keep your letters or use them to train AI.
Frequently asked questions
Is it free?
Yes. During the beta you can upload your letters and get the explanation for free.
Do I have to give you my Cl@ve?
No, never. To explain a letter, all you need is a photo or a PDF.
Which languages does it work in?
Spanish and the 10 languages most spoken by foreign residents in Spain. Documents filed with the administration are always in Spanish.
Are you lawyers or a government body?
No. We are an information platform. When a case needs a licensed professional, we tell you.