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First consultation, viability study and quote free until 5 January 2027 Tell us about your case
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Second chance: we assess whether you can cancel your debts

First consultation, viability study and quote: Free until 5 January 2027 Tell us about your case Initial retainer from 100 € + VAT* *For specific services only and subject to approval of the quote.

We assess whether you meet the requirements for discharge of unpaid liabilities and run the procedure through to cancellation of the dischargeable debts.

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In short

Personal insolvency and debt discharge: a lawyer from our network assesses whether you meet the requirements for discharge of unpaid liabilities and, if you do, runs the insolvency proceedings with a court agent. We handle it ourselves from start to finish, with professionals from our network, with a written quote before we start and your case visible in your client area. We ask for the list of creditors, the debt contracts, your income and your assets.

First consultation, viability study and quote: Free until 5 January 2027 Tell us about your case Initial retainer from 100 € + VAT* *For specific services only and subject to approval of the quote.

The service at a glance

What is included

  • Merits review with an inventory of debts and assets
  • Filing the petition and running the full procedure
  • Payment plan or liquidation, depending on the route that fits

WHAT IS INCLUDED AND WHAT IS NOT PROMISED

Personal insolvency cancels debts, but not all of them and not for everyone: it requires good faith, and some debts are not discharged. The first step is an honest assessment of whether your case fits, because starting a procedure that will not end well only adds cost.

What it includes: merits review with an inventory of debts and assets; filing the petition and running the full procedure; payment plan or liquidation, depending on the route that fits. What it does not include: not all debts are discharged: public debts and maintenance have their own rules and we explain them before we start.

DOCUMENTS YOU WILL NEED

  • A full list of debts with creditor, amount and age.

  • Employment history, payslips or benefits and tax returns.

  • Deeds or contracts for any assets you hold.

INDICATIVE TIMING

We answer your enquiry within 1 working day and send the written quote within 2 working days.

Once your documents are complete, we prepare the file between 10 and 25 working days.

The procedure is usually measured in months; discharge through a payment plan requires completing it, and the plan lasts three years as a general rule (five in the cases set by law).

See the pricing page for how we charge this kind of matter.

How it works

  1. WE STUDY YOUR CASE

    We take stock of your debts and assets, and the lawyer confirms whether you meet the requirements for debt discharge and which route applies.

  2. DOCUMENTS AND QUOTE BY STAGES

    We ask for the list of creditors, the debt contracts, your income and your assets. Lawyer and court agent assigned; staged quote.

  3. APPLICATION AND PROCEDURE

    We file the insolvency application and process the procedure until discharge or the payment plan.

  4. PAYMENT PLAN AND DISCHARGE

    We follow the payment plan if there is one and remind you of each obligation until the final discharge.

What to have at hand

  • A full list of debts with creditor, amount and age
  • Employment history, payslips or benefits and tax returns
  • Deeds or contracts for any assets you hold

Frequently asked questions

IS TAX DEBT CANCELLED?

Only partly and within limits. We give you the specific figure in the assessment before you decide.

WILL I LOSE MY HOME?

It depends on the route and on the home's value against the mortgage. It is analysed case by case.

WILL I COME OFF THE CREDIT BLACKLISTS?

After discharge, removal can be requested. It is part of closing the file.

RELATED SERVICES

People who come for “Personal insolvency and debt discharge” often need one of these Court proceedings procedures too. If your case mixes several, it goes in a single file with a single quote.

See everything we do in Court proceedings

If what you have is a situation and you are not sure which procedure applies, start with I want to get out of debt.

YOUR CASE

Summarise your debts, your income and whether proceedings are already open.

Step 1 of 3 YOUR CASE
Step 2 of 3 Details for your quote

This lets us tell you what can be done and what it costs without asking again. Leave blank anything you do not know.

Step 3 of 3 CONTACT DETAILS

We only ask for the basics so we can reply with context.

Postal address

You can attach up to 5 files of up to 10 MB each: PDF or photos. If you do not have them to hand, send the request anyway.

REQUEST A QUOTE

Tell us about your case and which documents you already have. We tell you what fits, what is missing and what it costs.

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Tell us your case