Debt restructuring in Greece, with legal guidance.
For individuals and businesses with bank, servicer, mortgage, guarantee, tax or business debt. We review your position and explain your lawful options in plain language.
- Free initial assessment, no obligation
- Reviewed by a licensed lawyer
- Fees quoted in writing before you commit
Who we help
Choose the situation closest to yours.
Individuals with bank or servicer debt
Loans, cards and overdrafts held by a bank or transferred to a servicer.
See this service →Mortgage borrowers
Home or property loans where repayment has become difficult.
See this service →Business owners
Companies and sole traders carrying business liabilities.
See this service →Guarantors
People who guaranteed someone else’s loan and now face a claim.
See this service →People facing tax or social security debt
Arrears owed to the tax authority or social security funds.
See this service →People dealing with foreclosure or enforcement
Enforcement steps, auctions or foreclosure notices already started or expected.
See this service →From first contact to a closed file
Six stages, published in advance. You decide at each point whether to continue.
- 1
Confidential assessment
Free · 1–3 business daysA short questionnaire or a call. You receive a written first view of the realistic options and a fixed-fee quote for the next step. Nothing is shared with any creditor.
- 2
Document review
5–10 business days after documents arriveWe reconstruct the full debt position and check the legal status of every claim: limitation, denouncement, assignment, enforcement history.
- 3
Strategy
Within 5 business days of reviewA written strategy report: recommended path, realistic range, timeline, costs and risks. You decide whether to proceed.
- 4
Negotiation
Typically 4–16 weeksOn your written authorisation. You see every offer and counter-offer in writing; nothing is accepted without your approval.
- 5
Legal work
Where requiredDrafting, filings or representation by admitted attorneys, under a separate written engagement.
- 6
Implementation and close
1–4 weeksSettlement documents are signed, you pay the creditor directly, and you receive a closing file with every document.
Timings are estimates from our published process. During negotiation you have a named responsible professional and a written update at least every 14 days. See How We Work in detail →
Clear fees, in three steps
The first step is free. You only pay for a Debt Diagnosis if you decide you want one.
- Step 1
Free initial assessment
Free · no obligationA written first view of your realistic options, and a fixed-fee quote for the next step.
- Step 2
Debt Diagnosis
Consumer €290 · Mortgage €490 · Business €890Full review of your documents and a written strategy report. Credited against negotiation fees if we take on your case.
- Step 3
Negotiation and legal work
Only if you decide to proceedA fixed fee plus a success fee, quoted in writing in your Client Agreement. Legal work by attorneys is engaged and invoiced separately.
No debt reduction, settlement or legal outcome is guaranteed. Pricing →
Named professionals. Published facts.
Your assessment is reviewed by a licensed lawyer. Every person and fact below can be checked independently.
What we are
A debtor-side consulting and negotiation company working with licensed attorneys.
What we are not
Not a bank, servicer, fund, debt collector or licensed financial institution — and we do not claim to be.
Where your money goes
Fees go only to our one official bank account. Settlement amounts go from you directly to your creditor — never through us.
What we do not promise
No guaranteed discounts or timelines. Every outcome depends on your facts and on the creditor’s decision.
Representing a bank, fund or portfolio owner?
SolvX Institutional is a separate settlement workflow for debt portfolios, with its own pages and its own enquiry route.
Start your free assessment
Tell us about your situation. There is no obligation, and nothing is shared with any creditor.
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Common questions
Is the initial assessment free?
What information do I need to provide?
How long does the initial assessment take?
Can you help with servicer debt?
Can you help with mortgages?
Can you help businesses?
Take the first step, in confidence.
A free initial assessment, reviewed by a licensed lawyer. No obligation.
No debt reduction, settlement or legal outcome is guaranteed.