ARTICLES & GUIDES
Practical articles on debt settlement, pension services, financial audit and mediation — without unnecessary jargon, with clear references to legislation.
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.
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.
General age limits, full and reduced pension, successive insurance, ATLAS and post-retirement employment — what you need to know before applying to e-EFKA.
Abusive terms, Law 128/1975 levy, compound interest, default interest rate and statute of limitations — what a serious loan audit examines.
Law 4640/2019 introduced the mandatory initial session before trial in certain dispute categories. What it involves, how long it takes, and when the minutes become an enforceable title.
A practical guide for small and medium businesses: how to read cash flow, which moves yield immediate results, and when to talk to creditors.
What to check in a CHF mortgage, what options exist today, and how to decide whether negotiation or legal action is preferable.
What banking mediation is, how it differs from litigation, who pays, and what you should have ready before entering the room.
Signed as a guarantor and now facing seizures? What you can claim, how the debt is settled, and when you're released.
How notional time is calculated, when you're entitled to buyout, what it costs, and when recognition can bring you earlier retirement — or increase the amount.
Law 128/1975 levy, compound interest, default interest rate, hidden costs and abusive terms — what should be checked before signing a loan contract.
Liquidity ratios, cash flow management, costing, budgeting and growth strategy — when the cost of an external consultant is an investment, not an expense.
Auction, vulnerable debtor, intermediary entity and lease-back: what actually protects your home and which deadlines must not be missed.
When you have stamps in more than one fund, the choice of awarding fund changes the pension amount. What we check before applying.
Your loan was sold to a fund? What changes in practice, what rights you retain, and what information we request before discussing amounts.
What evaluators actually look at, what needs to be ready before the call opens, and why most rejections are procedural.
