Negociar-Refinanciar

Banking law and debt negotiation

Negociar-Refinanciar is a banking law firm that advises businesses and individuals facing debt problems. Its economists negotiate directly with the central offices of banks and finance companies to renegotiate or cancel debt, rather than working through a local branch manager.

Services

• Debt refinancing and cancellation for businesses and individuals.
• Financial and legal advice in disputes with banks and finance companies.
• Cancellation of signed personal guarantees.
• Claims involving unfair contract terms, including mortgage floor clauses and IRPH benchmark clauses.
• Defense in court actions brought by banks or finance companies.
• Debt cancellation after a home is surrendered to a bank.
• Help using Spain’s Second Chance Law for individuals.

Who the firm serves

The firm works with businesses and individuals who cannot pay their debts, guarantors seeking to cancel a guarantee, people whose debt has been sold to a distressed-debt investor, and people facing legal action from a bank or finance company.

Offices and contact

The firm’s headquarters is at Carrer de Còrsega 302, 3rd floor, office 2B, 08008 Barcelona. It says it has offices throughout Spain, including in A Coruña, Álava, Albacete, Alicante, Almería, Asturias, Ávila, Badajoz, the Balearic Islands, Barcelona, Burgos, Cáceres, Cádiz, Cantabria, Castellón, Ciudad Real, Córdoba, Cuenca, Girona, Granada, Guadalajara, Huelva, Huesca, Jaén, La Rioja, Las Palmas, León, Lleida, Lugo, Madrid, Málaga, Murcia, Navarre, Ourense, Palencia, Pontevedra, Salamanca, Segovia, Seville, Soria, Tarragona, Santa Cruz de Tenerife, Teruel, Toledo, Valencia, Valladolid, Biscay, Zamora, and Zaragoza.

Toll-free phone: 900 90 17 16. WhatsApp: 900 900 084. Phone support: Monday through Friday, 9:00 a.m.–9:00 p.m.