Advogado com anos de experiência em recuperação de créditos e direito bancário em Roma.

Fees depend on the amount of the claim, the phase (out-of-court or judicial) and the complexity of the case. After an initial review we propose a transparent quote — fixed fee, hourly, or a percentage of the amount recovered. The first exploratory meeting is without obligation.

Timing depends on the phase and on the specifics of the case. Out-of-court recovery (demand, negotiation, settlement) is typically handled over a few weeks. In the Italian summary procedure, the time required to obtain a decreto ingiuntivo depends on the court's workload, on the completeness of the supporting documents and on any further evidence the court may request; the injunction may also be issued with or without provisional enforceability under Articles 642 and 648 of the Italian Code of Civil Procedure. Any subsequent enforcement adds further time, depending on the debtor's assets and on the procedure chosen. A realistic estimate is provided after a review of the file.

It is a court order issued at the end of a summary proceeding, requiring the debtor to pay a sum of money (or deliver a specific asset) where the claim is proved as required by law. It is a suitable tool when the debt is supported by written evidence such as invoices, contracts, bank statements or negotiable instruments. Under Articles 641 et seq. of the Italian Code of Civil Procedure the injunction may acquire enforceability, subject to the debtor's right to file an opposition within the statutory time limits.

Yes. Opposition to a decreto ingiuntivo must be filed within the statutory time limits set by Articles 641 and 645 of the Italian Code of Civil Procedure, before the court indicated in the injunction. Acting promptly is essential: the review typically covers the existence of the claim, statute of limitations or forfeiture, any payments already made, the applicable contractual framework and any banking or financial irregularities.

A precetto is a formal notice to pay within 10 days before enforcement. Options include opposition to the precetto or to enforcement, requesting suspension, challenging the amount, or negotiating a payment plan. Speak to a lawyer immediately to preserve all available remedies.

Yes. Through our offices in Rome, Milan, Salerno, Madrid and Paris we assist with cross-border recovery within the EU (Regulation 1215/2012, European Order for Payment, European Enforcement Order) and in international matters involving Spanish and French counterparties.

We assist clients in disputes with banks and financial institutions on anatocism, usury, interest rates, overdraft fees, unlawful CRIF/Central Credit Register reports, mortgages, loans and derivatives. We audit the relationship and recover amounts unlawfully charged.

Just contact us by phone, email or via the online form. We arrange an initial consultation to review the documents, assess the position and propose the most effective strategy, with a clear quote before any engagement.