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Non-Performing Loans are credit exposures (e.g., mortgages, loans, financing) where payments are past due, typically 90+ days or the exposure is otherwise classified as unlikely to be repaid. We assist borrowers/debtors and provide end-to-end legal support to regain control of the position and reach bankable solutions:
Our attorneys have specialized expertise in:
Creditor & chain-of-title checks: Verification of any assignment/cession of the credit, review of servicing mandates, registry and notice compliance.
Institution outreach & formal communications: Drafting messa in mora, settlement invitations, and managed negotiations with the bank/servicer.
Standstill & restructuring: Negotiation of standstill/moratoria, saldo e stralcio settlements, refinancing and debt-restructuring agreements, plus amortization and repayment plans aligned with your cash flow.
Contracting & closing: Drafting/negotiating restructuring agreements, waivers, collateral releases, and managing closing and post-closing formalities.
Compliance & protections: Consumer-law/ABI checks, interest/usury review, enforcement-risk mitigation, and data-room management for supporting documents.
We act as your single legal point of contact from first bank contact to a signed agreement and sustainable repayment plan.
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