Do I need to come to Samos?

No. The first meeting and the entire process take place via Teams, similar platforms, or by phone.

Do I need to bring financial documents?

No, you don't. With your Taxisnet codes we retrieve all the necessary information directly.

Can you handle debts to funds?

Yes. We negotiate with banks, funds, tax authorities and social security funds — whoever the creditor is.

How long does it take?

It depends on the complexity of the case. Out-of-court negotiation usually takes 2–6 months, while the out-of-court mechanism takes 3–9 months.

What happens if negotiation fails?

In the rare case it doesn't result in an agreement, there is no further cost to you. We evaluate the remaining alternatives together.

SERVICE · SAMOS

Debt Management

We take on your debts so you can look forward with confidence.

We map out all your debts and negotiate with creditors out of court or through the out-of-court debt relief mechanism. We design a sustainable repayment plan tailored to your income and support you every step of the way.

Full debt mapping across banks, funds, tax authorities and social security funds
Out-of-court negotiation or submission to the out-of-court mechanism
Sustainable repayment plan tailored to your real income

WHO IT'S FOR

Is this you?

Individuals with bank loans

If you're struggling to repay consumer, mortgage loans or credit cards, we help you find a way out.

Individuals with debts to the State

Debts to tax authorities, social security funds and utilities need targeted negotiation — not generic arrangements.

Simultaneous debt to banks & the State

When you owe both financial institutions and the government (tax, social security), we coordinate a unified strategy so the arrangements don't compete with each other.

Couples with joint debt

When the debt concerns both spouses — co-borrowing, guarantees, joint debt — we coordinate the strategy together for maximum results.

Guarantors & co-debtors

If you signed as a guarantor and now face seizures, there are legal remedies for release or debt restructuring.

Individuals in bankruptcy / over-indebtedness

When debt has exceeded any possibility of repayment, we initiate the personal bankruptcy / over-indebtedness procedure.

Borrowers facing seizures or auctions

If a property auction is threatened or scheduled, we intervene immediately for a stay, restructuring, or alternative solutions.

Businesses & self-employed

Business loans, third-party debts and overdue government debts require specialized handling and knowledge of the institutional framework.

Farmers

Debts from agricultural subsidies, ELGA or OGA social security contributions require specialized knowledge of the specific regulations.

Pensioners with overdue debts

When a pension is the only income source and debts have arisen, we ensure protection of the legally untouchable amount and negotiate realistic arrangements.

Objective values & utility fines

Fines from property objective values, urban planning violations or overdue utility bills that block transactions.

Heirs with the deceased's debts

We handle debts transferred to heirs, with knowledge of liability limits and the possibility of renouncing the inheritance.

THE PROCESS

Step by step, by your side

Each phase has a purpose and timeline. You always know where you stand.

First contact & 'mini interview'

At the first meeting I conduct a mini interview, because from there I can identify negotiating advantages — e.g. a health issue, a special family situation, or other factors that can be used as negotiating leverage.

Debt mapping

We record all debts — banks, funds, tax authorities, social security funds — so we have a complete and accurate picture of your financial position.

Collecting Taxisnet codes & documents

We obtain Taxisnet codes for all parties involved in the loans. You don't need to bring financial documents — we retrieve them directly through Taxisnet.

Financial profile analysis

We assess your actual income and expenses to design a realistic repayment plan you can sustain.

Negotiation strategy

We define the strategy — out-of-court negotiation or the out-of-court mechanism — based on the negotiating advantages identified in step 01.

Negotiation with creditors

We negotiate directly with banks, funds and government bodies for debt reduction, interest rate cuts, or restructuring into affordable installments.

Implementation & monitoring

The agreement is signed and we monitor compliance, intervening immediately if any issue arises.

WHAT YOU NEED

Documents & codes

Phase 1 — Analysis

Applicant's Taxisnet codes (mandatory)
Spouse's Taxisnet codes (mandatory for couples)
Co-debtors' & guarantors' Taxisnet codes (under conditions — discussed at the meeting)
No financial documents needed — retrieved through Taxisnet

Phase 2 — Negotiation

ID (of all parties involved)
Utility bills (for proof of address)
Power of attorney — prepared entirely at our office

TRANSPARENT PRICING

Clear cost, no surprises

Initial consultation

Free. The first meeting and assessment of your case has no cost whatsoever.

Per-case pricing

Fixed fee per case, determined by the complexity and volume of debts. We do not charge a percentage of the debt.

Full transparency

The fee is agreed before negotiation begins, with no hidden charges or surprises.

RESULTS

Anonymous case studies

Indicative cases — all anonymous, with details changed for confidentiality.

Case A — Individual, multiple loans

85%

Before: Individual with consumer loans and credit cards across multiple banks. Total debt over €180,000, with overdue installments.

Result: Negotiation with creditors led to an 85% debt write-off and restructuring of the remainder into affordable monthly installments.

Case B — Couple, mortgage & consumer

31%

Before: Couple with mortgage and consumer loans, total debt €95,000. Unable to continue with installments.

Result: Submitted to the out-of-court mechanism — 31% reduction of the principal debt and interest freeze, with a new repayment plan.

Case C — Fund auction, keeping the family home

40%

Before: Property with usufruct to the mother and bare ownership to her two adult children was heading to auction by DoValue, with a claim of €135,000 — balance of an original €238,000 loan.

Result: Proactive negotiation with the fund: 40% write-off of the claim, minimum prepayment and an installment tailored to the family's means. The auction was called off and the family kept their home.

Case D — Out-of-court mechanism: €221,000 debt down to €72,000

67%

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.

Result: 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.

FAQ

Questions & answers

Let's discuss your case

The first consultation is free of commitment. We're here to help you find the way forward.

Book an appointment +30 22730 81618