Frequently asked questions.

He analyses the position, verifies documents and deadlines, defines the strategy and handles the out-of-court phase (reminders, formal notices, negotiation, agreements). When the courts are needed, he coordinates partner lawyers. The goal is to obtain the result with the best balance between costs, timelines and probability.

Yes. The first conversation and the preliminary assessment serve to understand the situation. Only after the analysis do you receive a written proposal with costs and timelines, and you decide freely.

Yes: the practice is in Bern, but most clients are in Italy; I also work with clients in other European countries, in Canada and in the United States. Consultations take place in person or remotely.

Information stays between us. Data is processed in accordance with the GDPR and the Swiss Federal Act on Data Protection, with secure channels for document exchange and retention limited to the time required.

No. I am a certified financial advisor and I deal with advisory, analysis and out-of-court credit management. Activities reserved to lawyers (payment orders, enforcement, representation in court) are carried out by partner lawyers, under a direct mandate from the client.

It depends on the amount, the documentation and the debtor's solvency. Many positions are closed out of court within a few weeks of the formal notice; a repayment plan may run for months; court proceedings take longer and vary by country and court.

Often yes. In Italy the ordinary limitation period is ten years (art. 2946 of the Civil Code); shorter periods apply to some claims (five years for rent and interest, specific periods for cheques and promissory notes). The limitation period is interrupted by a written formal demand. I check the applicable periods before any action.

We assess moving to the court phase: with suitable documentation a payment order can be obtained and, in case of non-payment, a writ of execution and attachment follow. First, however, we verify that the debtor has assets or income that can be seized: otherwise I advise you not to spend.

Yes. Between businesses and professionals in Italy, late-payment interest accrues automatically from the due date (Legislative Decree 231/2002), at an increased rate, together with a flat-rate compensation for recovery costs. Between individuals, statutory or agreed interest applies from the formal demand.

The first reminder is always calibrated to the commercial relationship. The goal is to collect while preserving the relationship where possible; the tone hardens only if the debtor does not cooperate.

Yes, if there is evidence of the transfer of money and of its nature as a loan (bank transfers with a reference, messages, acknowledgements of debt, witnesses). We reconstruct the evidence before any initiative.

An agreement under which the creditor accepts a payment lower than the amount due, usually in a single instalment, waiving the remainder. It must be formalised in writing with a release: a partial payment without an agreement does not close the position.

It depends on the strength of the title, the age of the claim, the debtor's solvency and the nature of the creditor. There are no guaranteed percentages, there is a negotiation prepared with the right data.

Act immediately: in Italy the deadline to file an opposition is 40 days from service. We assess together whether the claim is founded, whether there are possible objections and whether it is better to oppose or negotiate; for the opposition, partner lawyers step in.

Yes. In Italy the Insolvency Code provides procedures for consumers, professionals and small businesses (consumer debt restructuring plan, minor composition, controlled liquidation, discharge). We assess whether the conditions are met and I refer you to the competent crisis-composition body.

Not automatically: the position is updated as settled and remains visible for the periods provided by the credit bureaus' code of conduct. We check the effects before signing.

After the analysis you receive a written proposal: usually a contained fixed component and, for recovery cases, a success-related fee. Out-of-pocket expenses are shown separately and always authorised in advance.

A conversation and the documents you have available: contracts, invoices, proof of payment, correspondence, any court documents. I tell you straight away what is missing and how to obtain it.

Yes. Video calls, digital signature and document exchange through secure channels make it possible to handle the entire case at a distance, in any time zone.

Yes. The analysis ends with a report containing scenarios, costs and a recommendation, which you can share with your lawyer or accountant.