🔹 Debt agreements and appointments

Facing financial difficulties and having outstanding debts can be a stressful and complicated situation, especially for immigrants who are trying to establish a stable life in Portugal. Debt negotiation and organizing payment agreements with creditors is essential to regularize your financial situation, avoid increasing charges and even prevent legal action.    

AAEIF offers a comprehensive debt negotiation support service , helping you find viable payment solutions, always with the aim of reducing long-term financial impacts. We work directly with creditor entities and offer ongoing support until your situation is regularized. 

What it includes:

• Detailed debt analysis: Our team begins with a detailed assessment of your financial situation , analyzing the debts you have, the creditors involved and the payment conditions. Based on this assessment, we develop an effective negotiation strategy.  
• Negotiation with creditors: We take care of all communication with financial institutions , banks , tax authorities or any other creditor entity, with the aim of reducing interest , extending payment terms or even obtaining discounts on debts.           
• Drafting payment agreements: After negotiation, we formalize payment agreements , ensuring that all details are clear and that the terms are appropriate to your financial capacity. This may include paying off debts in installments or reducing the amounts owed .      
• Payment scheduling and deadline management: We take care of scheduling debt payments , helping you organize the deadlines and amounts to be paid monthly. Our goal is to ensure that you meet the agreed payments comfortably and without putting a strain on your financial situation.     
• Post-agreement follow-up: After the agreement is formalized, we monitor payments and ensure that you are committed to fulfilling all agreed conditions. Should any problems or unforeseen circumstances arise, we provide ongoing support to adjust the agreement and avoid any complications.   

Service Benefits:

• Reduction of stress and financial anxiety: The negotiation process helps to reduce the burden of debt , offering solutions adapted to your financial reality, which contributes to your peace of mind and well-being.  
• Avoid lawsuits and other legal consequences: With the help of a specialist, the risk of being sued or facing garnishments can be minimized, as you can negotiate adequate terms and conditions with creditors. 
• Improve your financial health: By establishing an effective payment plan, you can regain control over your finances and prevent debt from getting worse, promoting gradual financial recovery .  
• Ongoing support: Our team will be available to answer questions throughout the process and ensure that the agreement is fulfilled efficiently. 

Who can benefit from this service?

• Immigrants in a situation of over-indebtedness: If you have several accumulated debts, we can help you negotiate and establish payment terms that suit your budget. 
• People who are temporarily struggling to pay their debts: If you are going through a difficult financial period (such as unemployment or health problems), we can help you negotiate more inclusive payment terms. 
• Self-employed workers or entrepreneurs with tax debts: If you have difficulties paying taxes or contributions, we can guide you in resolving outstanding issues with the Tax Authority. 
• People who have difficulty dealing with bureaucracy and negotiating with creditors: If you feel that you do not know how to deal with creditor entities or if conversations are complicated, our team can act as a mediator to simplify the process. 

Why choose this service?

• Experience and expertise: Our team has experience in negotiating with creditors and knows how to deal with the promotions of the Portuguese financial and tax system, offering personalized and effective solutions. 
• Solutions tailored to your needs: We do not recommend considering generic solutions. Our goal is to find a payment strategy that works for you , respecting your financial situation.  
• Simplified process: We take care of all the bureaucracy and communication with creditors, so you can focus on reestablishing your financial stability, without the complications of direct negotiation. 

With our support, you can ensure fairer and more viable conditions to regularize your debts, promoting a healthier and smoother financial future.