Frequently asked questions

Yes. The initial assessment is free and carries no obligation.

Your contact details, the type of debt, the approximate amount if you know it, and a short description of your situation. If more is needed, we will tell you.

Typically 1–3 business days. This is an estimate; it depends on your case.

Yes. We assess servicer debt and explain your lawful options. No outcome is guaranteed.

Yes. We assess mortgage and secured-loan situations and explain the options available. No outcome is guaranteed.

Yes. We review business debt and corporate restructuring questions. No outcome is guaranteed.

Yes. We review arrears owed to the tax authority or social-security funds and explain your options.

No. Creditors are not obliged to accept any proposal. No debt reduction, settlement or legal outcome is guaranteed.

You receive a written first view of your options and a fixed-fee quote for the Debt Diagnosis. You decide whether to continue.

Your assessment is reviewed by a licensed lawyer. Legal work is carried out by admitted attorneys under a separate written engagement.

Yes. Our attorneys are bound by professional secrecy and all staff sign confidentiality undertakings. We never share information with a creditor without your written approval.

Only by bank transfer, against invoice, to the official account on our Payment Instructions page. We never ask for payment by phone, in cash, in cryptocurrency or to another account.