Definizione agevolata: which settlement applies to your debt
Say who the creditor is, the year the debt was passed to the collection agency and any settlements you already joined: the check tells you which settlement can cover it and whether the deadline is still open.
Definizione agevolata is the legal name for the Italian “rottamazioni”: laws that let you clear debts passed to the collection agency by paying the principal and costs, with no penalties, interest or collection fee. In 2026 four of them matter. The rottamazione-quinquies of Law 199 of 2025 covers debts passed on between 1 January 2000 and 31 December 2023 for taxes declared but not paid, automated and formal return checks, INPS contributions not arising from an assessment and, for interest and fee only, fines issued by a prefettura; applications closed on 30 April 2026. The local-authority quinquies of article 10-quinquies of Decree-Law 38 of 2026 covers debts from the same period passed on by regions and local authorities that opted in, with applications open until 15 December 2026. The rottamazione-quater of Law 197 of 2022, for debts up to 30 June 2022, and the readmission of Decree-Law 202 of 2024 are still running for people paying instalments. For debts passed on from 2024 there is no settlement today.
The debt falls under the
Rottamazione-quinquies
Applications closed on 30 April 2026: it only helps if you applied
| Period covered | 01 Jan 2000 – 31 Dec 2023 |
| Written off | penalties, interest, late interest, fee |
| Single or first instalment | 31 Jul 2026 |
Checked by Radif Partners · Editorial policy · Method and sources
The settlements from 2016 to today
Paragraph 99 of Law 199 of 2025 lists the series: the first settlement under Decree-Law 193 of 2016, the second under Decree-Law 148 of 2017, the third under Decree-Law 119 of 2018, saldo e stralcio under Law 145 of 2018 and the reopening under Decree-Law 34 of 2019. Then came the 2022 quater, the 2025 readmission and the 2026 quinquies. Anyone who had lapsed from the first three or from saldo e stralcio, or from the quater by 30 September 2025, could bring those debts into the quinquies, if they fell within the categories of paragraph 82.
| Settlement | Debts passed on | Application | Instalments and interest |
|---|---|---|---|
| Quater (Law 197/2022) | up to 30 June 2022 | closed | 18 instalments, 2% |
| Readmission (DL 202/2024) | lapsed from the quater | closed on 30 April 2025 | 10 instalments, 2% |
| Quinquies (Law 199/2025) | 1 January 2000 – 31 December 2023 | closed on 30 April 2026 | 54 instalments, 3% |
| Local quinquies (DL 38/2026) | 1 January 2000 – 31 December 2023 | by 15 December 2026 | 54 instalments, 3% |
Which settlement covers my debt
Covered today by
No settlement
| Period covered | 2000 – 2023 |
| New text after 2023 | not published |
For these debts the ordinary instalment plan remains.
How to read your own case
Three things count: who the creditor is, when the debt was passed on and where the debt comes from. The handover year is shown in the estratto di ruolo and is not the date of the bill. For the quinquies the official pages list the eligible categories; for local debts the authority must appear in the list of participating authorities. The savings calculator shows how much is written off, and for debts from 2024 the rottamazione-sexies page says what has been published. Texts reread on 26 October 2026.