🔹 Debt agreements and appointments

Detailed Service Description:

🔹 Debt Agreements and Payment Scheduling

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 the organization of payment arrangements with creditor entities is essential to regularize your financial situation, avoid increased charges and even prevent legal action.

AAEIF offers a full support service for debt negotiation , helping to 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 starts 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 reduce interest rates , extend payment deadlines or even get discounts in debt.
• Preparation of payment agreements: After the negotiation, we formalize payment arrangements , ensuring that all details are clear and that the terms are appropriate to your financial capacity. This may include debt installment or the reduction of the amount due .
• Payment scheduling and deadline management: We take care of scheduling debt payments , helping to 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 formalization of the agreement, we monitor payments and we ensure that you are complying with all agreed conditions. Should any problems or unforeseen circumstances arise, we offer ongoing support to adjust the agreement and avoid any complications.

Service Benefits:

• Reducing 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 seizures can be minimized, as we can negotiate favorable 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 a 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 multiple accumulated debts, we can help you negotiate and establish payment terms that suit your budget.
• People with temporary difficulties paying their debts: If you are going through a difficult financial period (such as unemployment or health problems), we can help you negotiate more favorable payment terms.
• Self-employed workers or entrepreneurs with tax debts: If you are facing difficulties paying taxes or contributions, we can guide you in resolving pending issues with the Tax Authority.
• People with difficulties dealing with bureaucracy and negotiating with creditors: If you feel that you don't know how to deal with creditors or if conversations are becoming complicated, our team can act as a mediator to simplify the process.

Why choose this service?

• Experience and specialization: Our team has experience in negotiating with creditors and knows how to deal with the demands of the Portuguese financial and tax system, offering personalized and effective solutions.
• Solutions adapted to your needs: We don't believe in generic solutions. Our goal is to find a payment strategy that works for you , respecting your financial situation.
• Simplification of the 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 settle your debts, promoting a healthier and more hassle-free financial future.

This amount covers all the assistance required for negotiating and formalizing the agreement.