top of page


Law 3/2012 also called "Procedure of sovraindebitamento" is intended to remedy the circumstances debt sovracaricate than as assets and / or income of the debtor as well as for all stakeholders (companies, individuals, etc.) not subject to 'art. 1 of the Bankruptcy Law. With this procedure has allowed the debtor to conclude an agreement with the creditors under the settlement procedure of the crisis.
The agreements which may be submitted by the debtor, depending on the nature of the debts, are three;

  • Agreement of debts

  • Consumer Plan

  • Liquidation of assets

The choice of one over the other instrument is directly connected to the nature of the debts (if you have central government debts and which type) and the debtor's availability.
Our firm assists the debtor throughout the process of organization of the procedure, as summarized below:
lodging of the application for access to the procedure
collection of documents
assistance in the drafting of the Plan
aid and assistance Body of the Crisis Composition (OCC appointed by the Chief Judge)

bottom of page