Legal support throughout the process: debt and eligibility review, filing on the platform, negotiation and review of the settlement proposal.
Typical cases
- Individuals and companies with debts to the State, social security funds and/or banks
- Debtors with total debts above €10,000
- Cases requiring suspension of enforcement measures
- Debtors whose application was rejected or who received a non-viable proposal
The process, step by step
Eligibility and debt review
Conditions for admission, mapping of the total debt, estimate of the proposal based on the official calculation tool.
Filing on the platform
A complete file with the Special Secretariat — income, assets and co-debtor details.
Settlement proposal and assessment
Review of the proposal: instalments, write-off, liquidation value — negotiation where possible.
Acceptance — instalments begin
Signing of the restructuring agreement and monitoring of compliance.
Frequently asked questions
Are enforcement measures suspended while the application is pending?
From final submission, enforcement measures for the covered debts are as a rule suspended. (Mockup placeholder text.)
What if the tax authority has already seized my account?
An already imposed seizure is not automatically lifted — a combination with an opposition or a limitation request is considered. (Mockup placeholder text.)
Can I settle State and bank debts together?
Yes — that is the mechanism's comparative advantage: a single settlement with up to 240 instalments to the State and up to 420 to banks. (Mockup placeholder text.)