Individuals
Negotiating alone and negotiating with counsel do not produce the same result. Collections departments know that better than anyone.
Direct answer
Debt negotiation means reaching a direct agreement with the creditor to restructure the obligation: reducing default interest, extending terms, waiving part of the interest or settling with a discounted lump sum. Unlike insolvency, it is out of court and faster, but requires creditor consent. Acerteq negotiates on your behalf with technical and legal backing.
Scope
We verify principal, interest, insurance and improper charges: the real debt is often lower than the amount claimed.
We define the proposal based on your capacity to pay and the creditor profile, with clear scenarios and limits.
Direct engagement with banks, credit unions and collection agencies, in writing and on the record.
Documentation of the agreement with binding effect and clauses closing the obligation.
Analysis of usurious interest, unauthorised insurance and improper management fees.
Request for update or removal of the negative record once the obligation is performed.
Intent signals
How we work
01
An initial session where we map your real exposure: what risk exists today, its financial impact and how urgent it is.
02
We deliver scope, deliverables, timelines and fees in writing before signing. You know exactly what you get and what it costs.
03
A senior lawyer owns your matter end to end, with direct, unfiltered access. Every request is logged on the platform.
04
Periodic reporting on real status, regulatory alerts for your sector and an annual review of your legal risk matrix.
Frequently asked questions
Yes. For a financial institution, recovering 60% of a written-off loan is usually better than a three-year enforcement action with an uncertain outcome. The key is presenting a technically supported proposal at the right point in the collection cycle.
Negotiation is out of court, voluntary for the creditor and faster. Insolvency is a formal procedure before a conciliation centre that suspends attachments and binds all creditors, including those unwilling to negotiate. We choose the route based on the number of creditors, existing attachments and your capacity to pay.
Yes, and it is often the best moment: the creditor has already incurred costs and prefers a settlement to continuing. The proceeding can end by settlement or withdrawal, always documenting the agreement so the debt is genuinely closed.
First consultation
Tell us what is happening. A senior lawyer in this area will read it and reply within two business hours with a first assessment and no commitment.
The person who assesses you is the person who would run the matter.
Scope, deliverables and price before any engagement is signed.
Every request is logged on the platform with a visible status.
First consultation
⏱ Response in under 2 business hours.
🔒 Your data is protected and confidential under attorney-client privilege.
Related practice areas
Most cases touch more than one area. These are the ones that most often come up alongside this matter.
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Leases, purchases, investments, dation in payment and promise agreements: reviewed before signing, not after.
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Next step
A 30-minute diagnostic with a senior lawyer, with no obligation to engage. You leave with a clear read on your risk and what to do first.
Response in under 2 business hours.
