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.
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 facing insolvency / over-indebtedness
When debt has exceeded any possibility of repayment, we assess the procedures of the current Greek Insolvency Code (Law 4738/2020) — personal bankruptcy and debt discharge ("second chance").
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.
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.
Before vs After
Before€180,000
After€27,000
-85%Written off: €153,000
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.
Before vs After
Before€95,000
After€65,550
-31%Written off: €29,450
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.
Before vs After
Before€135,000
After€81,000
-40%Written off: €54,000
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.
Before vs After
Before€221,390
After€72,614
-67%Written off: €148,776
Breakdown by creditor
| Creditor | Before | After | Written off |
|---|---|---|---|
| Funds & servicers | €62,569 | €12,514 | -80% |
| Tax authority | €112,937 | €13,571 | -88% |
| Social security | €45,884 | €25,680 | -44% |
Case E — General partnership: €1,381,000 debt down to €383,000
72%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.
Result: 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% |
Results relate to specific cases and do not constitute a promise or guarantee of future outcomes. Every case is assessed individually.
FAQ
Questions & answers
Related articles & guides
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.
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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.
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FIRST STEP
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