Out-of-court mechanism
Could you qualify for out-of-court debt settlement?
Nine short questions show whether your case may, in principle, qualify under Greece's out-of-court mechanism (Law 4738/2020).
Run the check
Financial Consulting
Solutions that unlock your finances
- Debt restructuring
- Pension processing
- Business consulting
Strategic guidance with clear steps from the first meeting — for individuals and businesses ready to move forward.
Confidential. Judgment-free.
- 300+
- CASES
- 85%
- SUCCESS RATE
- 20+
- YEARS OF EXPERIENCE
Figures from real, anonymized office cases (2019–2026).
Georgios DionysiouEconomist & Banking Mediator
Economist B.A., MScAccredited Banking Mediator Reg. No. 3530IMI
FREE TOOLS
Two free tools to understand where you stand
Pensions
How much pension might you receive, and when?
Estimate national and contributory pension amounts using your age, years of insurance, earnings and most recent social security fund.
Calculate pensionSPECIALIZED SOLUTIONS
Services tailored to your profile
Debt Management
We take on your debts so you can look forward with confidence.
Learn more →Pension Services
Professional handling of pension applications, so you receive your income on time.
Learn more →Business Consulting
Strategies that drive growth and help you achieve your goals.
Learn more →Financial Audit
Detailed audits that ensure accuracy and transparency in your financial data.
Learn more →Banking Mediation
Resolving disputes fairly and efficiently, emphasizing mutual agreement.
Learn more →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 €1,381,000 of debt down to €383,000
A general partnership with ten loans to banks and funds, the tax authority and social security. We handled the out-of-court restructuring and kept the business operating.
of total debt written off
€998,151 written off · business kept operating.
Case E — General partnership: €1,381,000 debt down to €383,000
Before: A general partnership with two co-debtors (the general partners) and total debt of €1,381,373: about €1,342,000 across ten loans to banks and servicers (Intrum, Cepal, doValue, Alpha), €32,500 to the tax authority and €6,600 to the social security collection centre. The business could no longer service any of it and faced closure.
Outcome: Entry into the out-of-court mechanism, with the proposal approved: €998,151 written off — 72% of the total debt. Loans were restructured over up to 240 installments, tax and social security debt over 180–240 installments, with enforcement measures suspended. The business kept operating normally on a sustainable monthly installment.
Before vs After
Before€1,381,373
After€383,222
-72%Written off: €998,151
Breakdown by creditor
| Creditor | Before | After | Written off |
|---|---|---|---|
| Banks & funds | €1,342,273 | €360,000 | -73% |
| Tax authority | €32,500 | €19,800 | -39% |
| Social security | €6,600 | €3,422 | -48% |
All cases are anonymous, with details changed for confidentiality.
Results relate to specific cases and do not constitute a promise or guarantee of future outcomes. Every case is assessed individually.
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
FREE GUIDE
10 things to know before you restructure your debt
A practical guide for individuals and businesses with bank, fund, tax and social-security debt in Greece. Delivered to your inbox instantly.
- What a servicer actually negotiates
- How principal write-offs are calculated
- The 3 mistakes that cost tens of thousands
FIRST STEP
Let's discuss your case
We're here to help you find your way.