What it is
When debts build up, payment demands, court injunctions or seizures may follow. The law provides tools to contest undue claims and, where the requirements are met, procedures for people who are over-indebted. A lawyer helps you understand your options.
Who may need it
- People who received a court injunction or seizure order
- Households with several debts that are hard to manage
Eligibility. Requirements depend on your personal situation and on the rules in force when you apply. This page does not determine whether you qualify: the competent body verifies that.
How it works
- Describe the matterYou tell us briefly what it is about, with no sensitive data in the form.
- Prepare the documentsWe help you gather contracts, letters and communications received.
- Meet the lawyerThe consultation is given by an independent lawyer, who explains the options and the costs.
- You decideIf an engagement is needed, you agree it directly with the lawyer, in writing.
Documents commonly requested
Debt-related legal guidance · Last reviewed: 13 October 2026
Indicative list: depending on your situation, further documents may be required. Ticks stay on this device only and are not sent anywhere.
Deadlines
We do not publish deadlines we cannot keep reliably up to date. Always check the current time limits on the official source listed on this page.
Fees
The fee is set by the lawyer who takes on the engagement and is communicated to you before work starts. Always ask for a written quote.
Frequently asked questions
I received a court injunction: what do I do?
The time limit to object is stated in the document and is short. Ask for an appointment straight away and bring the complete document.
Who sets the fee?
The lawyer who takes on the engagement. It is communicated before work starts: always ask for a written quote.
How much does a consultation cost?
The fee is set by the lawyer and communicated to you before the consultation, with no obligation.