In short
Three articles open the chapter on payment and fill the gaps an incomplete agreement leaves. On when: if no term has been designated, payment must be made immediately after the obligation is contracted, without prejudice to a tacit term, if one follows from the nature and circumstances of the obligation, in which case it must be made on the date when, according to good faith, performance is due; and if the time of performance follows from the usages or practices established between the parties, payment must be made at that time. On where: payment must be executed at the place designated in the obligation; if no place was stipulated and a determinate thing is to be delivered, where the thing existed when the obligation was constituted; and in any other case, the place of payment is the municipality where the debtor resides. On expenses: the extrajudicial ones occasioned by payment are on the debtor’s account, and as to judicial ones, the court will decide in accordance with the Rules of Civil Procedure.
What is it?
It is Section One of Chapter I of Title II of Book Four of the Civil Code of 2020, Articles 1114 to 1116. These are the default rules of payment: the date, the place and who bears the expenses where the agreement did not say.
Who can do it?
Any obligation still to be performed whose document fixes no term or place, provided a special statute imposes nothing else for that kind of debt.
Requirements
- If no term was designated, paying immediately after the obligation is contracted, unless a tacit term follows from its nature and circumstances.Verified against the official source
- Paying at the place designated in the obligation; if none was stipulated and it is a determinate thing, where it existed when the obligation was constituted.Verified against the official source
- The debtor bearing the extrajudicial expenses occasioned by the payment.Verified against the official source
Documents you need
Cost
Step by step
Step 1: If nobody set a date
Article 1114 starts with the blunt part: if no term has been designated, payment must be made immediately after the obligation is contracted. That is the starting point, not the end of it.
Step 2: The term nobody wrote but that is there
The same article saves it: without prejudice to a tacit term, if one follows from the nature and circumstances of the obligation, in which case payment must be made on the date when, according to good faith, performance is due. Ordering something that takes weeks to make is not due the next day.
Step 3: What the two of you were already doing
A third rule in Article 1114, and the most practical: if the time of performance follows from the usages or practices established between the parties, payment must be made at that time. The habit between the same two parties counts as the date.
Step 4: Where payment is made
Article 1115 works down a ladder. First: payment must be executed at the place designated in the obligation. If no place was stipulated and a determinate thing is to be delivered, payment must be made where the thing existed when the obligation was constituted. And in any other case, the place of payment is the municipality where the debtor resides.
Step 5: Who pays the expenses of paying
Article 1116 splits it in two. The extrajudicial expenses occasioned by payment are on the debtor’s account: the travel, the arrangements, whatever it costs to put the payment in the creditor’s hands. As to judicial expenses, the Code does not decide: it says the court will decide in accordance with the Rules of Civil Procedure.
Step 6: And why this guide does not say what court costs are
Because the Code does not say. The second sentence of Article 1116 hands the whole matter to the Rules of Civil Procedure, which we did not read for this guide. So there is no figure and no costs procedure here: there is the referral, exactly as the statute leaves it.
Where to do it
These rules apply between the parties, with no counter and no agency. The municipality where the debtor resides appears only as the default place of payment in Article 1115; it does not mean paying at a municipal office. Judicial costs are decided by the court under the Rules of Civil Procedure.
How long it takes
What to do if something goes wrong
If the creditor will not accept payment or cannot be found, the figure is consignment and it lives in the next chapter of the Code, which this guide does not cover. If your question is whether you can be forced to accept half, see the guide on the requirements of payment. If you need to know whether the debt can still be claimed, that is the guide on the limitation of debts. This guide does not explain the Rules of Civil Procedure, to which Article 1116 hands judicial expenses, nor the rules on delay and breach that come later in this Title: we did not read them. The Code publishes no fee and no term for these articles. MiPRFácil does not represent anyone in court and gives no legal advice.
Common mistakes
- Assuming no date means indefinite time: with no designated term, payment is due immediately after the obligation is contracted.
- Ignoring the tacit term that follows from the nature and circumstances of the obligation.
- Dismissing the parties’ own habit: if the time follows from usages or practices, that is the time.
- Applying the debtor’s municipality where the obligation did designate a place: the designated place governs first.
- Using the debtor’s residence where a determinate thing is owed: then payment is made where it existed when the obligation was constituted.
- Charging the creditor for the extrajudicial expenses of payment: they are on the debtor’s account.
- Looking in the Code for the amount of court costs: it sends them to the Rules of Civil Procedure.
- Confusing the debtor’s municipality with a municipal office where payment must be made.
Frequently asked questions
We set no date — when must I pay?
Immediately after the obligation is contracted, unless a tacit term follows from its nature and circumstances, in which case payment is made on the date when, according to good faith, performance is due.
Where must I deliver payment if nothing was said?
If a determinate thing is owed, where it existed when the obligation was constituted. In any other case, in the municipality where the debtor resides.
Who pays the expenses of making the payment?
The extrajudicial ones, the debtor. The judicial ones are decided by the court under the Rules of Civil Procedure, which the Code does not reproduce and this guide did not read.
Official sources
These are the government pages this guide is based on.
- Poder Judicial de Puerto Rico
Poder Judicial
bvirtualogp.pr.gov
Last verified
September 8, 2026
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What an obligation is and where it comes from
Six sources, and the list stays open. Whoever performs knowing they were not bound cannot demand it back.
No one has to accept part payment or a different thing
The obligation is extinguished when what is owed is delivered in full. The creditor cannot be compelled to take part, or something else.
Paying for someone else, and paying the wrong person
Anyone may pay another’s debt, with or without permission. But paying someone unauthorized does not always release you.
Several debts with one creditor: which one your payment goes to
You choose at the moment of paying, but interest comes first. And a receipt for principal with no reservation presumes interest paid.
Prescription: how long they can collect from you or sue you
Personal actions prescribe in 4 years and damages in 1 year from learning who caused them. Acknowledging the debt restarts the clock.
Money debts: what they are paid in and when interest runs
The Code requires payment in the specie agreed and, failing that, in legal tender. It says "legal interest" but sets no rate.