I cannot keep up with my debts
We review income, expenses, assets and creditors to assess insolvency.
For individuals
Debt and second chance procedures
Personal insolvency assessment, creditor negotiations and consideration of possible second chance procedures.
- Your situation comes firstWe start by listening.
- An agreed scopeClear terms before work begins.
- Step by stepUnderstand what comes next.
02Your starting point
Your situation.
Your next step.
Choose the situation closest to yours. We start by understanding what you need to resolve.
Enquiry about: Debt and second chance procedures
Your next step
Tell us what you need to resolve.
Start with a question and relevant dates. We will agree the scope and terms of support after understanding your situation.
04
What we can assess together
Your situation.
A considered assessment.
Personal insolvency assessment, creditor negotiations and consideration of possible second chance procedures.
Assessment of the insolvency situation
We map debts, income, assets and existing proceedings to assess the options.
Negotiations with creditors
We review creditors’ positions and possible proposals in light of the circumstances.
Assistance with personal insolvency proceedings
We organise the information needed to assess the procedure and its obligations.
05The scope of support
The details also
shape the way forward.
Each step is assessed against your documents and circumstances. We agree the work before starting.
Assessment of the possibility of discharge from outstanding debts
We examine the case requirements and debts involved without promising automatic cancellation.
Protection of the interests of debtors or creditors
We define the interest to protect and the documents supporting that position.
05
Before the review
Facts and documents.
In order.
Prepare the context of your enquiry. There is no need to attach documents at first contact.
List of creditors and debts
Identify available and missing materials. We will agree what to review and how to share it.
Income, expenses and available assets
Organise available information with dates and references so it can be compared during the review.
Agreements and debt recovery proceedings
Mention relevant dates and pending responses. Keep the originals for the agreed review.
06
People and approach
Know who supports you.
Understand each step.
Before starting, we agree the objective and terms of the work.
A person responsible for your matter
Before engagement, we clarify who will handle your matter, their professional remit and how to stay in contact.
Experience you can verify
You can request the responsible professional’s details and ask the questions you need before deciding.
An agreed scope
We define the work, fees and communication. Third-party decisions are not presented as guaranteed outcomes.
07
How we work
A clear path.
Step by step.
-
Tell us the essentials
Your objective, the people involved and relevant dates. No documents are needed for the initial contact.
-
Define the enquiry
We identify the checks and documents that can help assess the situation.
-
Agree the engagement
We agree the work, budget and responsibilities before the engagement begins.
-
Proceed with follow-up
We carry out the agreed work and explain the next steps and important communications.
Information to prepare your enquiry
Understanding the context helps you decide.
Informational guide
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Organise certificates, assets, debts and questions before deciding about an inheritance, including where another country is involved.
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Informational guide
Bank complaints in Spain: preparing your documents and written claim
Organise the facts, disputed charges and communications before complaining to your bank. What to keep and how to define your request.
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Questions worth clarifying.
Can every debt be written off?
That cannot be assumed. Eligibility, the nature of each debt and the applicable procedure require assessment. We do not promise automatic cancellation.
Should I stop paying after sending an enquiry?
No. The form does not change your obligations or halt recovery. Possible action is assessed after reviewing your situation.
Should I send documents with the initial enquiry?
No. A short description and important dates are enough. We then agree which documents to review and how to provide them.
When will I know the fees and responsible professional?
Before engagement, we clarify the work, financial terms and who will handle it. If information is missing, we explain what is needed to assess it.
Can the outcome be guaranteed?
Decisions by authorities, courts or counterparties are not guaranteed. We explain options and limits based on documents and circumstances.
Enquiry about: Debt and second chance procedures
Your next step
Tell us what you need to resolve.
Start with a question and relevant dates. We will agree the scope and terms of support after understanding your situation.
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