Banking Law
Loan agreements, security and debt settlements — protecting the client.
Banking & finance law requires deep knowledge of both the legal framework and banking practice. SmartLaw advises borrowers, businesses and investors on loan agreements, security and the management of non-performing loans, aiming for a sustainable and fair settlement.
We represent clients in negotiations with banks and credit servicers/funds, in enforcement and objection proceedings, and within the out-of-court debt settlement mechanism, using every available legal tool of protection.
What we handle
- Loan & credit agreements — review of terms & unfair clauses
- Security — mortgages, prenotations, pledges, guarantees
- Corporate finance & bond issuance
- International financial transactions
- Debt settlement & restructuring — out-of-court mechanism
- Non-performing loans (NPLs) & negotiation with funds/servicers
- Objections against payment orders & enforcement
- Banking disputes & protection of over-indebted clients
Frequently asked questions
- Can an auction be suspended?
- In many cases yes, through an objection and a suspension application, where legal grounds exist (e.g. procedural defects, abuse of right). We assess the file and act within the strict deadlines.
- How are unfair clauses in loans dealt with?
- We identify unfair terms (e.g. on interest calculation or rate adjustment) and challenge them in court or use them as leverage in settlement negotiations.
Other areas
Civil Law
Contracts, real estate, obligations and succession — with strategy at every step.
Commercial Law
Companies, contracts and transactions — legal structure that supports growth.
Tax & International Investments
Tax planning, international investments and cross-border transactions — with security and strategy.
Company & Real Estate Acquisitions
Company buy-outs and real estate transfers — secure from due diligence to closing.
Family Law
Divorce, custody, maintenance and matrimonial property — with sensitivity and resolve.
Succession Law
Wills, forced heirship and estates — protecting family wealth across generations.
Insurance Law
Insurance coverage, compensation and product liability — with technical expertise and effectiveness.