What we'll handle for you
- Petition for approval of debt relief (personal bankruptcy)
- Assessment of debt-relief conditions under the 2025 amendment
- Suspension or postponement of enforcement
- Removal of an item from the bailiff's inventory
- Defence against unlawful wage garnishment
- Objections and remedies against enforcement orders
When debt relief makes sense
Debt relief is a solution for debtors who can no longer keep up with payments. Once the statutory conditions are met (typically partial repayment over 3–5 years) the court discharges the remaining debts and the client starts with a clean slate. We assess your income, total debt, maintenance obligations and the composition of creditors and advise whether debt relief is realistic or whether another path is available.
Defence against enforcement
Bailiffs often act mechanically and many of their steps can be successfully challenged. We help to stop enforcement (for example for time-barring or non-existence of the debt), to postpone it on social grounds, to exclude third-party property from the inventory and to defend against unlawful garnishment levels. We act quickly – enforcement deadlines are short.
Debtor and creditor under one roof
We represent both debtors trying to escape a hopeless situation and creditors who need to file a claim, enforce it or defend themselves against a debtor's purpose-built debt relief. Thanks to this we understand both sides and can offer realistic solutions.
Frequently asked questions
+Do I qualify for debt relief in 2025?
After the amendment to the insolvency act the conditions were simplified – you only need to be able to pay at least the minimum non-attachable amount for 3 or 5 years. We will assess your specific situation at the initial consultation and tell you whether filing the petition makes sense.
+Can enforcement be stopped if I have no money to pay?
Yes, enforcement can be stopped for many reasons – time-barring, non-existence of the debt, double collection, a defective enforcement title or procedural errors. We will review your file and pick the most suitable procedural defence.
+How much can the bailiff deduct from my wages?
The deduction is calculated from net wages and depends on the non-attachable amounts, the number of dependants and the nature of the claim. If you suspect that more is being deducted than allowed, we will verify the calculation and file an objection.
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