CREDIT RECOVERY
Credit Recovery (Provinces of Reggio Emilia, Ferrara, Modena, Bologna) The Firm offers its consultancy and assistance in the field of credit recovery in the interest of ARTISANS, COMPANIES, BANKS, BODIES ADMINISTRATIONS, CONDOMINIUMS, PRIVATE CITIZENS, FREELANCE , ASSOCIATIONS, etc etc By credit recovery we mean the set of activities that the creditor carries out towards the debtor to obtain the payment of the amount due. The credit can have any origin, from the contractual one (for example: the consideration of a sales contract), to the non-contractual one, and may or may not be substantiated in a written document (debt acknowledgment, payment promise, bill of exchange, check, executive sentence, etc.). The recovery of the credit is developed in several phases: - examination of the documentation - investigation of the debtor's assets - EXTRAJUDICIAL action of formal notice and interruption of the prescription (for a quick and amicable solution) - appeal to the JUDICIAL AUTHORITY, to condemn the debtor to pay the CONDEMNATION provision constitutes the "enforceable title" by virtue of which, if the non-fulfillment persists, it is possible to proceed with execution. PENALTY Once the enforceable title has been obtained, if the debtor remains in default, the creditor can act with the attachment. Both the movable property belonging to the debtor and the immovable property can be subjected to attachment. (except in special cases), starting with salaries or pension treatments, albeit with a quantitative limit of 1/5 (except in special cases), bank current accounts, etc. Before proceeding with the recovery of the credit, it is therefore often advisable to check the solvency of the debtor, with any patrimonial investigations, so as to be reasonably certain of the fruitfulness of the execution. Studio Muscettola, after examining the documentation, plans, assists and acts quickly for Credit Recovery. • Injunctive decree • Opposition to injunctive decree • Enforcement • Property foreclosure • Real estate foreclosure • Judicial sales • Judicial auctions • Foreclosure from third parties / foreclosure from the employer • Precept • Prescription of credit • Asset investigations and access to the tax register through authorization of the Court