Every promissory note in the repayment plan, printed in one go.
Effetto is software for Windows and Mac that fills in and prints promissory notes, for debt collectors, recovery agencies and credit consultants in Italy. Free.
«Noi di Phoenix ci siamo trovati benissimo con Effetto.»
Free: no key, no limits, no subscription. For Windows 10 and 11 and for Mac. You only need the internet to download and update it. The program is in Italian, like the cambiali it prints.
Read the guide (in Italian)A wrong promissory note is more than a badly filled title.
It puts at stake its legal value, your work and the time it takes to fix, and it can lead to serious disputes. Twelve, twenty-four, thirty-six instalments: notes that are all the same except for the date. That is where mistakes happen.
You copy them out by hand, one by one.
Same name, same address, same bank, for every instalment. Time nobody pays you for.
One moment of distraction is enough.
Two digits swapped, an amount in words that does not match, a due date on the 31st of a 30-day month.
And the mistake is expensive.
Under Italian law, if figures and words disagree, the amount in words prevails. A badly filled note can also lose its force as an enforceable title: instead of going straight to enforcement, you have to go to court.
Word with macros, an Excel sheet, a typewriter: none of them knows what a promissory note looks like.
Effetto knows what a promissory note looks like. You type the details once.
01
Fill in
Debtor, bank, amount, first due date, number of instalments. One grid, like a form.
02
Check
See the note on screen with your details on it, before you use a form.
03
Print
The whole plan, one note per sheet, in one go.
04
File
The plan stays on file: mark the paid and unpaid notes, and reprint it whenever you need.
What changes
Type once, print the whole plan.
Debtor and bank are entered once and apply to every instalment. Even 120 notes, even every other month or quarterly.
Figures and words always match.
Effetto writes the amount in words from the figure you entered: they cannot disagree. It works out the due dates too: if the first falls on the 31st, February's falls on the 28th.
It stops you before the form.
If the tax code does not add up, a bank code is missing a digit or the province does not exist, it tells you before printing, all at once.
Every plan, on file.
Each plan stays in the archive with its notes: mark the paid and the unpaid ones, and reprint without retyping anything.
Born in the field
Effetto is written for people who prepare repayment plans every day. The position of every detail on the form is checked against notes actually printed, to a tenth of a millimetre.