We offer expert advice to solve banking problems and achieve financial stability.
De Paola Law Firm assists its Clients in the area of Banking Law, with a focus aimed at both unfair banking practices towards consumers and the management of over-indebtedness crisis.
Its goal is to ensure that the rights of consumers are respected and that an amicable settlement of the Client's debt position can be reached, even out of court.
It is important to point out that what is listed below, by way of example and not exhaustively, represents only some of the areas in which the Law Firm can provide assistance and advice. In fact, it offers a wide range of legal services customized in order to meet the specific needs of its Clients.
Banking Law:
- Protection against bank compounding, assistance and advice on illegitimate capitalization of interest, with the aim of ascertaining that lending institutions comply with current regulations.
- Countering illegitimate bank charges, assistance and advice on banking practices concerning charges not owed by the consumer.
- Bank usury, assistance and advice in cases where usury threshold rates are exceeded, as provided for in Law No. 108/96, applicable to mortgages, leases and other types of financing.
- Repayment for assignment of one-fifth, assistance and counseling in the formal application for repayment of the assignment of one-fifth of salary or pension renegotiated or extinguished early.
- Irregularities contained in mortgage and financing contracts, assistance and advice in handling possible irregularities in mortgage and financing contracts signed by consumers, seeking appropriate and fair solutions.
Over-indebtedness Crisis Management:
In the context of over-indebtedness crisis, the Law Firm offers customized solutions to debtors who want to reach a definition of their debt position so that they can regain adequate control and better management of their finances.The procedures provided by the new Law on Over-indebtedness Crisis Management include:
- Consumer Plan, which is reserved for individuals and allows them to formulate a proposal for a plan to renegotiate their debt to their creditors;
- Crisis settlement agreement, intended for professionals, entrepreneurs, agricultural entrepreneurs and innovative start-ups, aims to restructure debt in a sustainable way;
- Asset Liquidation, is an option available to consumers, businesses and professionals that allows the liquidation of assets owned by them to satisfy creditors, this with the aim of achieving complete financial rehabilitation.
The successful completion of the above procedures also provides for the deletion of reports against bad payers from the databases, thus restoring their financial credibility.
