Debt Management
We take on your debts so you can look forward with confidence.
Samos · Financial Consulting
Solutions thatunlockyour finances
Personalized consulting services for every challenge — from debt management and pension services to business consulting.
- 300+
- CASES
- 85%
- SUCCESS RATE
- 20+
- YEARS OF EXPERIENCE
Economist B.A., MScAccredited Banking Mediator Reg. No. 3530IMI
SPECIALIZED SOLUTIONS
Services tailored to your profile
Pension Services
Professional handling of pension applications, so you receive your income on time.
Business Consulting
Strategies that drive growth and help you achieve your goals.
Financial Audit
Detailed audits that ensure accuracy and transparency in your financial data.
Banking Mediation
Resolving disputes fairly and efficiently, emphasizing mutual agreement.
OUR PROCESS
Three steps from first contact to result
Listen & map
At the first contact I conduct a 'mini interview' — I understand your situation, identify negotiating advantages and map out your debts or data.
Design strategy
With the full picture, I create a personalized action plan — with clear steps, timeline and realistic costs, without promises unsupported by data.
Negotiate & implement
I intervene directly with banks, funds, authorities or opposing parties. I'm by your side at every step, until the final agreement or outcome.
CASES
SUCCESS RATE
YEARS OF EXPERIENCE
A REAL CASE, A REAL OUTCOME
From €221,000 of debt down to €72,000
Funds, the tax authority and social security at the same time — and the out-of-court mechanism that solved all three together.
of total debt written off
€148,776 written off · enforcement suspended.
Case D — Out-of-court mechanism: €221,000 debt down to €72,000
Before: A self-employed professional, with his wife as co-debtor, facing €221,390 of accumulated debt on three fronts at once: €62,570 to funds and servicers, €112,937 to the tax authority (with assessments dating back to 2003) and €45,884 to the social security collection centre, under active risk of enforcement.
Outcome: Entry into the out-of-court mechanism (Law 4738/2020), approved by the creditor majority: €148,776 written off — 67% of the total debt. The three fund loans were cut by 80% and restructured at zero interest, while the tax and social security debt was spread over 240 monthly installments. Enforcement measures and criminal prosecution were suspended, restoring access to tax and social security clearance.
See the serviceAll cases are anonymous, with details changed for confidentiality.
EXPLORE
Keep exploring
Georgios F. Dionysiou
Economist & Banking Mediator
Samos, Greece
ABOUT ME
Georgios F. Dionysiou
Economist B.A., MSc — Accredited Banking Mediator · Ministry of Justice Reg. No. 3530 & IMI
Over 20 years inside the banking and financial system — from the Bank of Greece to branch management. Today, that experience becomes a tool in the hands of individuals and businesses who need a consultant who knows how the other side operates.
ARTICLES & GUIDES
Latest articles
Debt settlement in 2026: the complete guide for banks, funds, the tax authority and social security
Every available debt settlement route in 2026: the out-of-court mechanism, standing AADE/EFKA arrangements, bilateral negotiation with servicers and banking mediation. Criteria, installments, documents and the real mistakes that sink applications.
· 12 min read
Out-of-court debt relief mechanism: a practical guide
How the out-of-court mechanism of Law 4738/2020 works, what documents are needed, what installments are available, and where cases are typically lost.
· 8 min read
Pension: age limits, insurance years and what we check before applying
General age limits, full and reduced pension, successive insurance, ATLAS and post-retirement employment — what you need to know before applying to e-EFKA.
· 8 min read
FIRST STEP
Let's discuss your case
The first consultation is free and without commitment. We're here to help you find your way.