Financial institutions and leasing
We represent banks, leasing and factoring companies in matters of overdue payments and security enforcement.
Creditor representation
Services
We represent creditor interests throughout the entire life cycle of a debt — from the first day an invoice falls overdue to the close of insolvency proceedings. For every situation we choose the most economically sensible route: the one that recovers more, faster and at lower cost.
Service 01
Out-of-court debt recovery
Most commercial debts can be recovered without going to court — faster, at lower cost and without damaging business relationships. For a creditor, litigation often means a process lasting years, with costs that consume a substantial share of what is eventually recovered. That is why we first exhaust the out-of-court options: a legally substantiated demand, focused negotiations and an enforceable settlement.
Every case starts with a solvency analysis of the debtor — we assess its financial position, other liabilities and available assets, so that from the outset we know what can realistically be recovered and how much pressure is appropriate. Only then do we prepare the demand and lead negotiations whose outcome is payment or a legally binding settlement.
What we do for you
- Analysis of the debtor's solvency and recovery risks
- Drafting and serving pre-litigation demands
- Negotiating with the debtor on the creditor's behalf
- Drafting settlement agreements and monitoring their performance
Service 02
Restructuring and refinancing
When a debtor faces temporary financial difficulties, demanding immediate payment in full can push it into insolvency — where the creditor typically recovers only a fraction of the claim, or nothing at all. It is often more profitable to rearrange the obligations so that the debtor can keep paying while the creditor receives every euro it is owed.
We design and negotiate restructuring solutions built around the creditor's position: a realistic payment schedule with performance controls, refinancing through another lender, or additional security that protects the claim if the debtor's situation deteriorates after all.
What we do for you
- Designing and negotiating debt restructuring plans
- Preparing payment schedules with performance controls
- Structuring refinancing solutions
- Formalising additional security — guarantees and pledges
Service 03
Insolvency proceedings
Once insolvency or legal protection proceedings have been declared against a debtor, the creditor's outcome depends on timely and precise action. Missing the deadline for filing a claim, or playing a passive role in the process, can mean that your money ends up with other creditors.
We represent the creditor throughout the proceedings — from filing the claim to the close of the process. We attend creditors' meetings, develop voting strategies on legal protection and settlement plans, and monitor the administrator's conduct so that creditor interests are never pushed aside.
What we do for you
- Filing creditor claims within the statutory deadlines
- Representation at creditors' meetings and in dealings with the administrator
- Voting strategy on legal protection plans
- Monitoring the course of the proceedings and the administrator's conduct
Clients
Which creditors we work with
We represent creditors of every profile — what they share is a commercial claim and the resolve to recover it on economically sound terms.
Manufacturers and wholesalers
We help recover payment for delivered goods and keep your receivables portfolio disciplined.
Service providers and lessors
We recover unpaid rent and outstanding fees for services rendered.
Investors and bondholders
We protect the interests of lenders and bondholders in default and restructuring situations.
Don't let receivables go unattended
The longer a debt sits, the harder it is to recover. Start with a free assessment today.
Request a free assessment