{"id":740,"date":"2025-08-03T12:06:46","date_gmt":"2025-08-03T12:06:46","guid":{"rendered":"https:\/\/www.studiobarnaba.it\/?page_id=740"},"modified":"2026-10-18T13:00:33","modified_gmt":"2026-10-18T13:00:33","slug":"risoluzione-del-debito-per-consumatori-e-imprese","status":"publish","type":"page","link":"https:\/\/www.studiobarnaba.it\/en\/risoluzione-del-debito-per-consumatori-e-imprese\/","title":{"rendered":"Debt Resolution for Consumers and Businesses"},"content":{"rendered":"<div data-colibri-id=\"740-c1\" class=\"style-1288 style-local-740-c1 position-relative\">\n  <!---->\n  <div data-colibri-component=\"section\" data-colibri-id=\"740-c2\" id=\"content\" class=\"h-section h-section-global-spacing d-flex align-items-lg-center align-items-md-center align-items-center style-1289 style-local-740-c2 position-relative\">\n    <!---->\n    <!---->\n    <div class=\"h-section-grid-container h-section-boxed-container\">\n      <div data-colibri-id=\"740-c6\" class=\"h-row-container gutters-row-lg-1 gutters-row-md-1 gutters-row-2 gutters-row-v-lg-1 gutters-row-v-md-1 gutters-row-v-1 style-1293 style-local-740-c6 position-relative\">\n        <!---->\n        <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-1 gutters-col-md-1 gutters-col-2 gutters-col-v-lg-1 gutters-col-v-md-1 gutters-col-v-1\">\n          <!---->\n          <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1294-outer style-local-740-c7-outer\">\n            <div data-colibri-id=\"740-c7\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-0 v-inner-lg-1 v-inner-md-1 v-inner-0 style-1294 style-local-740-c7 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                <!---->\n                <div data-colibri-id=\"740-c8\" class=\"h-global-transition-all h-heading style-1295 style-local-740-c8 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-heading__outer style-1295 style-local-740-c8\">\n                    <!---->\n                    <!---->\n                    <h4 class=\"\">Debts, exposures, pressure from creditors: overcoming the crisis is possible.<\/h4>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"740-c9\" class=\"h-global-transition-all h-heading style-1296 style-local-740-c9 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-heading__outer style-1296 style-local-740-c9\">\n                    <!---->\n                    <!---->\n                    <h2 class=\"\">Debt resolution for\n                      <br>Consumers and Businesses<\/h2>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"740-c10\" class=\"h-lead h-text h-text-component style-1297 style-local-740-c10 position-relative h-element\">\n                  <!---->\n                  <!---->\n                  <div class=\"\">\n                    <p>Every debt situation can be analysed and dealt with methodically, competently and with full awareness.\n                      <br>Studio Legale Barnab\u00e0 assists consumers and businesses in assessing and managing over-indebtedness crises.\n                      <br>\n                    <\/p>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"740-c11\" class=\"h-lead h-text h-text-component style-2627 style-local-740-c11 position-relative h-element\">\n                  <!---->\n                  <!---->\n                  <div class=\"\">\n                    <p><em>We identify what is held in your name, how much is at stake and, therefore, what deserves to be protected.<\/em><\/p>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div data-colibri-id=\"740-c3\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-2 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1290 style-local-740-c3 position-relative\">\n        <!---->\n        <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-2 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n          <!---->\n          <div class=\"h-column h-column-container d-flex h-col-lg-12 h-col-md-12 h-col-12 style-1291-outer style-local-740-c4-outer\">\n            <div data-colibri-id=\"740-c4\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1291 style-local-740-c4 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                <!---->\n                <div data-colibri-id=\"740-c5\" class=\"h-divider style-1292 style-local-740-c5 position-relative h-element\">\n                  <!----><span class=\"h-divider__line style-1292-line style-local-740-c5-line style-1292-line style-local-740-c5-line\"><\/span> <span class=\"h-svg-icon h-divider__icon style-1292-icon style-local-740-c5-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"shield\" viewbox=\"0 0 512 545.5\"><path d=\"M256 96c36 0 60.22 14.182 82 26s41.693 22 78 22h16v16c0 123.92-41.725 204.482-84 253s-86 66-86 66l-6 2-6-2s-43.742-17.885-86-66.5S80 283.485 80 160v-16h16c36.506 0 56.276-10.188 78-22s46-26 82-26zm0 32c-28 0-44.088 9.813-66.5 22-18.922 10.29-43.962 20.196-76.5 23.5 3.065 107.776 38.87 176.433 75 218 32.737 37.663 60.214 50.488 68 54 7.778-3.465 35.278-15.947 68-53.5 36.124-41.458 71.952-110.268 75-218.5-32.433-3.304-57.547-13.216-76.5-23.5-22.45-12.182-38.5-22-66.5-22z\"><\/path><\/svg><\/span>                  <span class=\"h-divider__line style-1292-line style-local-740-c5-line style-1292-line style-local-740-c5-line\"><\/span><\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n  <div data-colibri-component=\"section\" data-colibri-id=\"740-c12\" id=\"content-2\" class=\"h-section h-section-global-spacing d-flex align-items-lg-center align-items-md-center align-items-center style-1298 style-local-740-c12 position-relative\">\n    <!---->\n    <!---->\n    <div class=\"h-section-grid-container h-section-fluid-container\">\n      <!---->\n      <div data-colibri-id=\"740-c13\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-0 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1299 style-local-740-c13 position-relative\">\n        <!---->\n        <div class=\"h-row justify-content-lg-start justify-content-md-start justify-content-start align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-0 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n          <!---->\n          <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1300-outer style-local-740-c14-outer\">\n            <div data-colibri-id=\"740-c14\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-3 h-px-md-3 h-px-3 v-inner-lg-3 v-inner-md-3 v-inner-3 style-1300 style-local-740-c14 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-center align-self-md-center align-self-center\">\n                <!---->\n                <div data-colibri-id=\"740-c15\" class=\"h-global-transition-all h-heading style-1301 style-local-740-c15 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-heading__outer style-1301 style-local-740-c15\">\n                    <!---->\n                    <!---->\n                    <h4 class=\"\">Even in the most critical situations, there is a way forward.<\/h4>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"740-c16\" class=\"h-global-transition-all h-heading style-1302 style-local-740-c16 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-heading__outer style-1302 style-local-740-c16\">\n                    <!---->\n                    <!---->\n                    <h3 class=\"\">Not every debt is unsustainable.\n                      <br>But every crisis must be understood in order to be resolved.<\/h3>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"740-c17\" class=\"h-lead h-text h-text-component style-1303 style-local-740-c17 position-relative h-element\">\n                  <!---->\n                  <!---->\n                  <div class=\"\">\n                    <p>A financial crisis can stem from an unexpected event or from management that has gradually deteriorated.\n                      <br> In many cases, those who are over-exposed keep accumulating debt out of fear, lack of information or uncertainty about what to do.\n                      <br> A technical analysis makes it possible to:<\/p>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"740-c18\" class=\"icon-list d-flex justify-content-lg-start justify-content-md-start justify-content-start style-1350 style-local-740-c18 position-relative h-element\">\n                  <!---->\n                  <ul class=\"ul-list-icon vertical-on-desktop vertical-on-tablet vertical-on-mobile justify-content-lg-start justify-content-md-start justify-content-start\">\n                    <!---->\n                    <li class=\"list-item no-gutters\">\n                      <!---->\n                      <div class=\"list-container-divider d-flex justify-content-lg-start justify-content-md-start justify-content-start first-el-spacer\"><\/div> <span class=\"item-link no-gutters\"><div class=\"d-flex h-col no-gutters align-items-lg-center align-items-md-center align-items-center list-item-text-wrapper\"><div class=\"d-flex\"><span  class=\"h-svg-icon style-1350-icon style-local-740-c18-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"chevron-right\" viewbox=\"0 0 512 545.5\"><path d=\"M196 73.5l11.5 11 192 192 11 11.5-11 11.5-192 192-11.5 11-11.5-11-57.5-58-11-11 11-11.5 123-123-123-123-11-11.5 11-11 57.5-58zm0 45.5l-35 35 123 122.5 11.5 11.5-11.5 11.5L161 422l35 35 169-169z\"><\/path><\/svg><\/span><\/div>\n                <span class=\"list-text d-block\"><span>check whether the legal requirements are met to access debt resolution or restructuring procedures;<\/span><\/span>\n              <\/div>\n              <\/span>\n              <div class=\"list-container-divider d-flex justify-content-lg-start justify-content-md-start justify-content-start\">\n                <!---->\n              <\/div>\n              <\/li>\n              <li class=\"list-item no-gutters\">\n                <!---->\n                <!----><span class=\"item-link no-gutters\"><div class=\"d-flex h-col no-gutters align-items-lg-center align-items-md-center align-items-center list-item-text-wrapper\"><div class=\"d-flex\"><span  class=\"h-svg-icon style-1350-icon style-local-740-c18-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"chevron-right\" viewbox=\"0 0 512 545.5\"><path d=\"M196 73.5l11.5 11 192 192 11 11.5-11 11.5-192 192-11.5 11-11.5-11-57.5-58-11-11 11-11.5 123-123-123-123-11-11.5 11-11 57.5-58zm0 45.5l-35 35 123 122.5 11.5 11.5-11.5 11.5L161 422l35 35 169-169z\"><\/path><\/svg><\/span><\/div>\n            <span class=\"list-text d-block\"><span>assess the sustainability of the current position;<\/span><\/span>\n          <\/div>\n          <\/span>\n          <div class=\"list-container-divider d-flex justify-content-lg-start justify-content-md-start justify-content-start\">\n            <!---->\n          <\/div>\n          <\/li>\n          <li class=\"list-item no-gutters\">\n            <!---->\n            <!----><span class=\"item-link no-gutters\"><div class=\"d-flex h-col no-gutters align-items-lg-center align-items-md-center align-items-center list-item-text-wrapper\"><div class=\"d-flex\"><span  class=\"h-svg-icon style-1350-icon style-local-740-c18-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"chevron-right\" viewbox=\"0 0 512 545.5\"><path d=\"M196 73.5l11.5 11 192 192 11 11.5-11 11.5-192 192-11.5 11-11.5-11-57.5-58-11-11 11-11.5 123-123-123-123-11-11.5 11-11 57.5-58zm0 45.5l-35 35 123 122.5 11.5 11.5-11.5 11.5L161 422l35 35 169-169z\"><\/path><\/svg><\/span><\/div>\n        <span class=\"list-text d-block\"><span>identify a realistic strategy to break the deadlock, avoiding improvised solutions or ineffective action.<\/span><\/span>\n      <\/div>\n      <\/span>\n      <div class=\"list-container-divider d-flex justify-content-lg-start justify-content-md-start justify-content-start\" style=\"display: none;\">\n        <!---->\n      <\/div>\n      <div class=\"list-container-divider d-flex justify-content-lg-start justify-content-md-start justify-content-start last-el-spacer\"><\/div>\n      <\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-colibri-id=\"740-c19\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-0 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-2625 style-local-740-c19 position-relative\">\n  <!---->\n  <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-0 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n    <!---->\n    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-2626-outer style-local-740-c20-outer\">\n      <div data-colibri-id=\"740-c20\" class=\"d-flex h-flex-basis h-column__inner h-ui-empty-state-container h-px-lg-2 h-px-md-2 h-px-2 v-inner-lg-2 v-inner-md-2 v-inner-2 style-2626 style-local-740-c20 position-relative\">\n        <!---->\n        <!---->\n        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100\">\n          <!---->\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<div data-colibri-id=\"740-c21\" class=\"h-row-container gutters-row-lg-1 gutters-row-md-1 gutters-row-2 gutters-row-v-lg-1 gutters-row-v-md-1 gutters-row-v-2 style-1304 style-local-740-c21 position-relative\">\n  <!---->\n  <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-1 gutters-col-md-1 gutters-col-2 gutters-col-v-lg-1 gutters-col-v-md-1 gutters-col-v-2\">\n    <!---->\n    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1305-outer style-local-740-c22-outer\">\n      <div data-colibri-id=\"740-c22\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-0 v-inner-lg-1 v-inner-md-1 v-inner-0 style-1305 style-local-740-c22 position-relative\">\n        <!---->\n        <!---->\n        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n          <!---->\n          <div data-colibri-id=\"740-c23\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-0 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-0 style-1306 style-local-740-c23 position-relative\">\n            <!---->\n            <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-0 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-0\">\n              <!---->\n              <div class=\"h-column h-column-container d-flex h-col-lg-6 h-col-md-6 h-col-6 style-1307-outer style-local-740-c24-outer\">\n                <div data-colibri-id=\"740-c24\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1307 style-local-740-c24 position-relative\">\n                  <!---->\n                  <!---->\n                  <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                    <!---->\n                    <div data-colibri-id=\"740-c25\" class=\"h-global-transition-all h-heading style-1308 style-local-740-c25 position-relative h-element\">\n                      <!---->\n                      <div class=\"h-heading__outer style-1308 style-local-740-c25\">\n                        <!---->\n                        <!---->\n                        <h5 class=\"\">Debts to banks or finance companies<\/h5>\n                      <\/div>\n                    <\/div>\n                    <div data-colibri-id=\"740-c26\" class=\"h-text h-text-component style-1309 style-local-740-c26 position-relative h-element\">\n                      <!---->\n                      <!---->\n                      <div class=\"\">\n                        <p>Defaults on mortgages, personal loans, revolving credit cards, leasing contracts, multiple exposures.<\/p>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n              <div class=\"h-column h-column-container d-flex h-col-lg-6 h-col-md-6 h-col-6 style-1307-outer style-local-740-c27-outer\">\n                <div data-colibri-id=\"740-c27\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1307 style-local-740-c27 position-relative\">\n                  <!---->\n                  <!---->\n                  <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                    <!---->\n                    <div data-colibri-id=\"740-c28\" class=\"h-global-transition-all h-heading style-1308 style-local-740-c28 position-relative h-element\">\n                      <!---->\n                      <div class=\"h-heading__outer style-1308 style-local-740-c28\">\n                        <!---->\n                        <!---->\n                        <h5 class=\"\">Tax collection notices and tax liabilities<\/h5>\n                      <\/div>\n                    <\/div>\n                    <div data-colibri-id=\"740-c29\" class=\"h-text h-text-component style-1309 style-local-740-c29 position-relative h-element\">\n                      <!---->\n                      <!---->\n                      <div class=\"\">\n                        <p>Outstanding tax rolls, penalties, assessments, social security contributions and local taxes.\n                          <br>\n                        <\/p>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n              <div class=\"h-column h-column-container d-flex h-col-lg-6 h-col-md-6 h-col-6 style-1307-outer style-local-740-c30-outer\">\n                <div data-colibri-id=\"740-c30\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1307 style-local-740-c30 position-relative\">\n                  <!---->\n                  <!---->\n                  <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                    <!---->\n                    <div data-colibri-id=\"740-c31\" class=\"h-global-transition-all h-heading style-1308 style-local-740-c31 position-relative h-element\">\n                      <!---->\n                      <div class=\"h-heading__outer style-1308 style-local-740-c31\">\n                        <!---->\n                        <!---->\n                        <h5 class=\"\">Suppliers and unfulfilled professional contracts<\/h5>\n                      <\/div>\n                    <\/div>\n                    <div data-colibri-id=\"740-c32\" class=\"h-text h-text-component style-1309 style-local-740-c32 position-relative h-element\">\n                      <!---->\n                      <!---->\n                      <div class=\"\">\n                        <p>Unpaid invoices, threats of enforcement action, seizures already under way.<\/p>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n              <div class=\"h-column h-column-container d-flex h-col-lg-6 h-col-md-6 h-col-6 style-1307-outer style-local-740-c33-outer\">\n                <div data-colibri-id=\"740-c33\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1307 style-local-740-c33 position-relative\">\n                  <!---->\n                  <!---->\n                  <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                    <!---->\n                    <div data-colibri-id=\"740-c34\" class=\"h-global-transition-all h-heading style-1308 style-local-740-c34 position-relative h-element\">\n                      <!---->\n                      <div class=\"h-heading__outer style-1308 style-local-740-c34\">\n                        <!---->\n                        <!---->\n                        <h5 class=\"\">Reports in credit information systems<\/h5>\n                      <\/div>\n                    <\/div>\n                    <div data-colibri-id=\"740-c35\" class=\"h-text h-text-component style-1309 style-local-740-c35 position-relative h-element\">\n                      <!---->\n                      <!---->\n                      <div class=\"\">\n                        <p>CRIF, Central Credit Register, loss of access to credit for businesses and individuals.<\/p>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n              <div class=\"h-column h-column-container d-flex h-col-lg-6 h-col-md-6 h-col-6 style-1310-outer style-local-740-c36-outer\">\n                <div data-colibri-id=\"740-c36\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-1 v-inner-lg-1 v-inner-md-1 v-inner-1 style-1310 style-local-740-c36 position-relative\">\n                  <!---->\n                  <!---->\n                  <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                    <!---->\n                    <div data-colibri-id=\"740-c37\" class=\"h-global-transition-all h-heading style-1311 style-local-740-c37 position-relative h-element\">\n                      <!---->\n                      <div class=\"h-heading__outer style-1311 style-local-740-c37\">\n                        <!---->\n                        <!---->\n                        <h5 class=\"\">Guarantees given for family members or companies<\/h5>\n                      <\/div>\n                    <\/div>\n                    <div data-colibri-id=\"740-c38\" class=\"h-text h-text-component style-1312 style-local-740-c38 position-relative h-element\">\n                      <!---->\n                      <!---->\n                      <div class=\"\">\n                        <p>Personal guarantees, enforcement of guarantees, claims against assets unrelated to the business.<\/p>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n              <div class=\"h-column h-column-container d-flex h-col-lg-6 h-col-md-6 h-col-6 style-1313-outer style-local-740-c39-outer\">\n                <div data-colibri-id=\"740-c39\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-1 v-inner-lg-1 v-inner-md-1 v-inner-1 style-1313 style-local-740-c39 position-relative\">\n                  <!---->\n                  <!---->\n                  <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                    <!---->\n                    <div data-colibri-id=\"740-c40\" class=\"h-global-transition-all h-heading style-1314 style-local-740-c40 position-relative h-element\">\n                      <!---->\n                      <div class=\"h-heading__outer style-1314 style-local-740-c40\">\n                        <!---->\n                        <!---->\n                        <h5 class=\"\">Inability to manage the business or personal assets<\/h5>\n                      <\/div>\n                    <\/div>\n                    <div data-colibri-id=\"740-c41\" class=\"h-text h-text-component style-1315 style-local-740-c41 position-relative h-element\">\n                      <!---->\n                      <!---->\n                      <div class=\"\">\n                        <p>Uncontrolled build-up of interest, legal costs, operational paralysis.<\/p>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1316-outer style-local-740-c42-outer\">\n      <div data-colibri-id=\"740-c42\" class=\"d-flex h-flex-basis h-column__inner h-ui-empty-state-container h-px-lg-1 h-px-md-1 h-px-1 v-inner-lg-1 v-inner-md-1 v-inner-1 style-1316 style-local-740-c42 position-relative\">\n        <!---->\n        <!---->\n        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100\">\n          <!---->\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-colibri-component=\"section\" data-colibri-id=\"740-c43\" id=\"features\" class=\"h-section h-section-global-spacing d-flex align-items-lg-center align-items-md-center align-items-center style-1319 style-local-740-c43 position-relative\">\n  <!---->\n  <!---->\n  <div class=\"h-section-grid-container h-section-boxed-container\">\n    <div data-colibri-id=\"740-c76\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-0 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1336 style-local-740-c76 position-relative\">\n      <!---->\n      <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-0 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n        <!---->\n        <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1337-outer style-local-740-c77-outer\">\n          <div data-colibri-id=\"740-c77\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-2 h-px-md-2 h-px-2 v-inner-lg-2 v-inner-md-2 v-inner-2 style-1337 style-local-740-c77 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n              <!---->\n              <div data-colibri-id=\"740-c78\" class=\"h-global-transition-all h-heading style-1338 style-local-740-c78 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1338 style-local-740-c78\">\n                  <!---->\n                  <!---->\n                  <h3 class=\"\">5 steps:\n                    <br>from crisis to stability<\/h3>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c79\" class=\"h-lead h-text h-text-component style-1339 style-local-740-c79 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>Every stage is handled with precision: from the first contact to the conclusion of the proceedings, through technical analysis, dialogue with the bodies involved and the preparation of documents.\n                    <br> The approach is straightforward and practical, aimed at providing a <strong>workable solution<\/strong> compatible with the debtor\u2019s real capacity.<\/p>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <div data-colibri-id=\"740-c44\" class=\"h-row-container gutters-row-lg-1 gutters-row-md-1 gutters-row-2 gutters-row-v-lg-1 gutters-row-v-md-1 gutters-row-v-2 style-1320 style-local-740-c44 position-relative\">\n      <!---->\n      <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-center align-items-md-center align-items-center gutters-col-lg-1 gutters-col-md-1 gutters-col-2 gutters-col-v-lg-1 gutters-col-v-md-1 gutters-col-v-2\">\n        <!---->\n        <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1321-outer style-local-740-c45-outer\">\n          <div data-colibri-id=\"740-c45\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-2 v-inner-lg-1 v-inner-md-1 v-inner-2 style-1321 style-local-740-c45 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n              <!---->\n              <div data-colibri-id=\"740-c46\" class=\"h-text h-text-component style-1322 style-local-740-c46 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>I.<\/p>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c47\" class=\"h-icon style-1323 style-local-740-c47 position-relative h-element\">\n                <!----><span class=\"h-svg-icon h-icon__icon style-1323-icon style-local-740-c47-icon\"><!--Icon by Font Awesome (https:\/\/fontawesome.com)-->\n    <svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"microphone\" viewbox=\"0 0 1246.5988 1896.0833\">\n      <path d=\"M1152 704v128q0 221-147.5 384.5T640 1404v132h256q26 0 45 19t19 45-19 45-45 19H256q-26 0-45-19t-19-45 19-45 45-19h256v-132q-217-24-364.5-187.5T0 832V704q0-26 19-45t45-19 45 19 19 45v128q0 185 131.5 316.5T576 1280t316.5-131.5T1024 832V704q0-26 19-45t45-19 45 19 19 45zM896 320v512q0 132-94 226t-226 94-226-94-94-226V320q0-132 94-226T576 0t226 94 94 226z\"><\/path>\n    <\/svg><\/span><\/div>\n              <div data-colibri-id=\"740-c48\" class=\"h-global-transition-all h-heading style-1324 style-local-740-c48 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1324 style-local-740-c48\">\n                  <!---->\n                  <!---->\n                  <h4 class=\"\">Debtor interview<\/h4>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c49\" class=\"h-text h-text-component style-1351 style-local-740-c49 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>Technical gathering of information. Analysis of the personal and objective requirements, review of the documents and of the family and business context.<\/p>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c50\" class=\"h-x-container style-1356 style-local-740-c50 position-relative h-element\">\n                <!---->\n                <div class=\"h-x-container-inner style-dynamic-740-c50-group style-1356-spacing style-local-740-c50-spacing\"><span class=\"h-button__outer style-1357-outer style-local-740-c51-outer d-inline-flex h-element\"><a h-use-smooth-scroll=\"true\" href=\"https:\/\/www.studiobarnaba.it\/en\/intervista-form\/\"  data-colibri-id=\"740-c51\" class=\"d-flex w-100 align-items-center h-button justify-content-lg-center justify-content-md-center justify-content-center style-1357 style-local-740-c51 position-relative\"><!----><!----> <span>BOOK AN INTERVIEW<\/span><\/a>\n                  <\/span>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1321-outer style-local-740-c52-outer\">\n          <div data-colibri-id=\"740-c52\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-2 v-inner-lg-1 v-inner-md-1 v-inner-2 style-1321 style-local-740-c52 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n              <!---->\n              <div data-colibri-id=\"740-c53\" class=\"h-text h-text-component style-1325 style-local-740-c53 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>II.<\/p>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c54\" class=\"h-icon style-1323 style-local-740-c54 position-relative h-element\">\n                <!----><span class=\"h-svg-icon h-icon__icon style-1323-icon style-local-740-c54-icon\"><!--Icon by Font Awesome (https:\/\/fontawesome.com)-->\n    <svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"list-ol\" viewbox=\"0 0 1792 1896.0833\">\n      <path d=\"M381 1620q0 80-54.5 126T191 1792q-106 0-172-66l57-88q49 45 106 45 29 0 50.5-14.5T254 1626q0-64-105-56l-26-56q8-10 32.5-43.5t42.5-54 37-38.5v-1q-16 0-48.5 1t-48.5 1v53H32v-152h333v88l-95 115q51 12 81 49t30 88zm2-627v159H21q-6-36-6-54 0-51 23.5-93T95 937t66-47.5 56.5-43.5 23.5-45q0-25-14.5-38.5T187 749q-46 0-81 58l-85-59q24-51 71.5-79.5T198 640q73 0 123 41.5T371 794q0 50-34 91.5T262 950t-75.5 50.5T151 1053h127v-60h105zm1409 319v192q0 13-9.5 22.5t-22.5 9.5H544q-13 0-22.5-9.5T512 1504v-192q0-14 9-23t23-9h1216q13 0 22.5 9.5t9.5 22.5zM384 413v99H49v-99h107q0-41 .5-121.5T157 170v-12h-2q-8 17-50 54l-71-76L170 9h106v404h108zm1408 387v192q0 13-9.5 22.5t-22.5 9.5H544q-13 0-22.5-9.5T512 992V800q0-14 9-23t23-9h1216q13 0 22.5 9.5t9.5 22.5zm0-512v192q0 13-9.5 22.5T1760 512H544q-13 0-22.5-9.5T512 480V288q0-13 9.5-22.5T544 256h1216q13 0 22.5 9.5t9.5 22.5z\"><\/path>\n    <\/svg><\/span><\/div>\n              <div data-colibri-id=\"740-c55\" class=\"h-global-transition-all h-heading style-1324 style-local-740-c55 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1324 style-local-740-c55\">\n                  <!---->\n                  <!---->\n                  <h4 class=\"\">Assessment of legal feasibility<\/h4>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c56\" class=\"h-text h-text-component style-1352 style-local-740-c56 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>Study of the available procedures: consumer debt restructuring, compositions with creditors, restructurings, discharges, out-of-court agreements.<\/p>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1321-outer style-local-740-c57-outer\">\n          <div data-colibri-id=\"740-c57\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-2 v-inner-lg-1 v-inner-md-1 v-inner-2 style-1321 style-local-740-c57 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n              <!---->\n              <div data-colibri-id=\"740-c58\" class=\"h-text h-text-component style-1326 style-local-740-c58 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>III.<\/p>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c59\" class=\"h-icon style-1323 style-local-740-c59 position-relative h-element\">\n                <!----><span class=\"h-svg-icon h-icon__icon style-1323-icon style-local-740-c59-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"calendar-check-o\" viewbox=\"0 0 512 545.5\"><path d=\"M144 112h32v16h160v-16h32v16h64v352H80V128h64v-16zm-32 48v32h288v-32h-32v16h-32v-16H176v16h-32v-16h-32zm0 64v224h288V224H112zm212.5 36.5l23 23-96 96-11.5 11-11.5-11-48-48 23-23L240 345z\"><\/path><\/svg><\/span><\/div>\n              <div\n                data-colibri-id=\"740-c60\" class=\"h-global-transition-all h-heading style-1324 style-local-740-c60 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1324 style-local-740-c60\">\n                  <!---->\n                  <!---->\n                  <h4 class=\"\">Defining the operational strategy<\/h4>\n                <\/div>\n            <\/div>\n            <div data-colibri-id=\"740-c61\" class=\"h-text h-text-component style-1353 style-local-740-c61 position-relative h-element\">\n              <!---->\n              <!---->\n              <div class=\"\">\n                <p>Choosing the most effective and sustainable route: in court or out of court, defensive or negotiated.<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1321-outer style-local-740-c62-outer\">\n        <div data-colibri-id=\"740-c62\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-2 v-inner-lg-1 v-inner-md-1 v-inner-2 style-1321 style-local-740-c62 position-relative\">\n          <!---->\n          <!---->\n          <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n            <!---->\n            <div data-colibri-id=\"740-c63\" class=\"h-text h-text-component style-1327 style-local-740-c63 position-relative h-element\">\n              <!---->\n              <!---->\n              <div class=\"\">\n                <p>IV.<\/p>\n              <\/div>\n            <\/div>\n            <div data-colibri-id=\"740-c64\" class=\"h-icon style-1323 style-local-740-c64 position-relative h-element\">\n              <!----><span class=\"h-svg-icon h-icon__icon style-1323-icon style-local-740-c64-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"bank\" viewbox=\"0 0 512 545.5\"><path d=\"M256 94.5l6 2.5 192 80 10 4.5V224h-32v176h32v80H48v-80h32V224H48v-42.5l10-4.5 192-80zm0 35L106 192h300zM112 224v176h32V224h-32zm64 0v176h32V224h-32zm64 0v176h32V224h-32zm64 0v176h32V224h-32zm64 0v176h32V224h-32zM80 432v16h352v-16H80z\"><\/path><\/svg><\/span><\/div>\n            <div\n              data-colibri-id=\"740-c65\" class=\"h-global-transition-all h-heading style-1324 style-local-740-c65 position-relative h-element\">\n              <!---->\n              <div class=\"h-heading__outer style-1324 style-local-740-c65\">\n                <!---->\n                <!---->\n                <h4 class=\"\">Implementing the procedure<\/h4>\n              <\/div>\n          <\/div>\n          <div data-colibri-id=\"740-c66\" class=\"h-text h-text-component style-1354 style-local-740-c66 position-relative h-element\">\n            <!---->\n            <!---->\n            <div class=\"\">\n              <p>Drafting and filing the application, managing relations with the OCC (crisis settlement body), creditors, banks, collection agents and tax authorities.<\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1328-outer style-local-740-c67-outer\">\n      <div data-colibri-id=\"740-c67\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-1 v-inner-lg-1 v-inner-md-1 v-inner-1 style-1328 style-local-740-c67 position-relative\">\n        <!---->\n        <!---->\n        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n          <!---->\n          <div data-colibri-id=\"740-c68\" class=\"h-text h-text-component style-1329 style-local-740-c68 position-relative h-element\">\n            <!---->\n            <!---->\n            <div class=\"\">\n              <p>V.<\/p>\n            <\/div>\n          <\/div>\n          <div data-colibri-id=\"740-c69\" class=\"h-icon style-1330 style-local-740-c69 position-relative h-element\">\n            <!----><span class=\"h-svg-icon h-icon__icon style-1330-icon style-local-740-c69-icon\"><!--Icon by Font Awesome (https:\/\/fontawesome.com)-->\n    <svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"line-chart\" viewbox=\"0 0 2048 1896.0833\">\n      <path d=\"M2048 1536v128H0V128h128v1408h1920zM1920 288v435q0 21-19.5 29.5T1865 745l-121-121-633 633q-10 10-23 10t-23-10l-233-233-416 416-192-192 585-585q10-10 23-10t23 10l233 233 464-464-121-121q-16-16-7.5-35.5T1453 256h435q14 0 23 9t9 23z\"><\/path>\n    <\/svg><\/span><\/div>\n          <div data-colibri-id=\"740-c70\" class=\"h-global-transition-all h-heading style-1331 style-local-740-c70 position-relative h-element\">\n            <!---->\n            <div class=\"h-heading__outer style-1331 style-local-740-c70\">\n              <!---->\n              <!---->\n              <h4 class=\"\">Outlook and prevention<\/h4>\n            <\/div>\n          <\/div>\n          <div data-colibri-id=\"740-c71\" class=\"h-text h-text-component style-1355 style-local-740-c71 position-relative h-element\">\n            <!---->\n            <!---->\n            <div class=\"\">\n              <p>Setting up tools and habits to avoid falling back into crisis: financial education, contracts, protection of remaining assets.<\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<div data-colibri-id=\"740-c72\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-0 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1332 style-local-740-c72 position-relative\">\n  <!---->\n  <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-0 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n    <!---->\n    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1333-outer style-local-740-c73-outer\">\n      <div data-colibri-id=\"740-c73\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-2 h-px-md-2 h-px-2 v-inner-lg-2 v-inner-md-2 v-inner-2 style-1333 style-local-740-c73 position-relative\">\n        <!---->\n        <!---->\n        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n          <!---->\n          <div data-colibri-id=\"740-c74\" class=\"h-x-container style-1334 style-local-740-c74 position-relative h-element\">\n            <!---->\n            <div class=\"h-x-container-inner style-dynamic-740-c74-group style-1334-spacing style-local-740-c74-spacing\"><span class=\"h-button__outer style-1335-outer style-local-740-c75-outer d-inline-flex h-element\"><a h-use-smooth-scroll=\"true\" href=\"https:\/\/www.studiobarnaba.it\/en\/debiti-imprese\/\"  data-colibri-id=\"740-c75\" class=\"d-flex w-100 align-items-center h-button justify-content-lg-center justify-content-md-center justify-content-center style-1335 style-local-740-c75 position-relative\"><!----><!----> <span>Request a Debt Check-Up<\/span><\/a>\n              <\/span>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-colibri-component=\"section\" data-colibri-id=\"740-c80\" id=\"overlappable\" class=\"h-section h-section-global-spacing d-flex align-items-lg-center align-items-md-center align-items-center style-1358 style-local-740-c80 position-relative\">\n  <!---->\n  <!---->\n  <div class=\"h-section-grid-container h-section-boxed-container\">\n    <!---->\n    <div data-colibri-id=\"740-c81\" class=\"h-row-container gutters-row-lg-1 gutters-row-md-1 gutters-row-0 gutters-row-v-lg-1 gutters-row-v-md-1 gutters-row-v-1 style-1379 style-local-740-c81 position-relative\">\n      <!---->\n      <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-1 gutters-col-md-1 gutters-col-0 gutters-col-v-lg-1 gutters-col-v-md-1 gutters-col-v-1\">\n        <!---->\n        <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1380-outer style-local-740-c82-outer\">\n          <div data-colibri-id=\"740-c82\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1380 style-local-740-c82 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n              <!---->\n              <div data-colibri-id=\"740-c83\" class=\"h-lead h-text h-text-component style-1381 style-local-740-c83 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>Common situations in which to seek legal assistance.<\/p>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c84\" class=\"h-global-transition-all h-heading style-1368 style-local-740-c84 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1368 style-local-740-c84\">\n                  <!---->\n                  <!---->\n                  <h3 class=\"\">Typical cases:<\/h3>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <div data-colibri-id=\"740-c85\" class=\"h-row-container gutters-row-lg-1 gutters-row-md-1 gutters-row-2 gutters-row-v-lg-1 gutters-row-v-md-1 gutters-row-v-2 style-1359 style-local-740-c85 position-relative\">\n      <!---->\n      <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-1 gutters-col-md-1 gutters-col-2 gutters-col-v-lg-1 gutters-col-v-md-1 gutters-col-v-2\">\n        <!---->\n        <div class=\"h-column h-column-container d-flex h-col-lg-3 h-col-md-3 h-col-12 style-1360-outer style-local-740-c86-outer\">\n          <div data-colibri-id=\"740-c86\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-3 h-px-md-3 h-px-2 v-inner-lg-3 v-inner-md-3 v-inner-2 style-1360 style-local-740-c86 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n              <!---->\n              <div data-colibri-id=\"740-c87\" class=\"h-icon style-1361 style-local-740-c87 position-relative h-element\">\n                <!----><span class=\"h-svg-icon h-icon__icon style-1361-icon style-local-740-c87-icon\"><!--Icon by Font Awesome (https:\/\/fontawesome.com)-->\n    <svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"users\" viewbox=\"0 0 1920 1896.0833\">\n      <path d=\"M593 896q-162 5-265 128H194q-82 0-138-40.5T0 865q0-353 124-353 6 0 43.5 21t97.5 42.5T384 597q67 0 133-23-5 37-5 66 0 139 81 256zm1071 637q0 120-73 189.5t-194 69.5H523q-121 0-194-69.5T256 1533q0-53 3.5-103.5t14-109T300 1212t43-97.5 62-81 85.5-53.5T602 960q10 0 43 21.5t73 48 107 48 135 21.5 135-21.5 107-48 73-48 43-21.5q61 0 111.5 20t85.5 53.5 62 81 43 97.5 26.5 108.5 14 109 3.5 103.5zM640 256q0 106-75 181t-181 75-181-75-75-181 75-181T384 0t181 75 75 181zm704 384q0 159-112.5 271.5T960 1024 688.5 911.5 576 640t112.5-271.5T960 256t271.5 112.5T1344 640zm576 225q0 78-56 118.5t-138 40.5h-134q-103-123-265-128 81-117 81-256 0-29-5-66 66 23 133 23 59 0 119-21.5t97.5-42.5 43.5-21q124 0 124 353zm-128-609q0 106-75 181t-181 75-181-75-75-181 75-181 181-75 181 75 75 181z\"><\/path>\n    <\/svg><\/span><\/div>\n              <div data-colibri-id=\"740-c88\" class=\"h-global-transition-all h-heading style-1362 style-local-740-c88 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1362 style-local-740-c88\">\n                  <!---->\n                  <!---->\n                  <h5 class=\"\">Consumers with multiple loans and credit card debts that are no longer sustainable<\/h5>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c89\" class=\"h-text h-text-component style-1363 style-local-740-c89 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>A frequent situation in single-income families or those with variable income. Instalments on micro-loans, credit cards and small loans pile up. In these cases it is possible to propose a <strong>consumer debt restructuring plan<\/strong> to reorganise the debt position, with a stay of enforcement.<\/p>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"h-column h-column-container d-flex h-col-lg-3 h-col-md-3 h-col-12 style-1360-outer style-local-740-c90-outer\">\n          <div data-colibri-id=\"740-c90\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-3 h-px-md-3 h-px-2 v-inner-lg-3 v-inner-md-3 v-inner-2 style-1360 style-local-740-c90 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n              <!---->\n              <div data-colibri-id=\"740-c91\" class=\"h-icon style-1361 style-local-740-c91 position-relative h-element\">\n                <!----><span class=\"h-svg-icon h-icon__icon style-1361-icon style-local-740-c91-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"stack-overflow\" viewbox=\"0 0 512 545.5\"><path d=\"M313.5 77.5L403 209l-26 18-89.5-131.5zm-67.5 59l120 104-21 24-120-104zm-48 70l141.5 72L325 307l-141.5-72zM170.5 279L325 315.5l-7 31L163.5 310zM96 320h32v144h224V320h32v176H96V320zm65.5 27l158.5 9-2 32-158.5-9zm-1.5 53h159v32H160v-32z\"><\/path><\/svg><\/span><\/div>\n              <div\n                data-colibri-id=\"740-c92\" class=\"h-global-transition-all h-heading style-1362 style-local-740-c92 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1362 style-local-740-c92\">\n                  <!---->\n                  <!---->\n                  <h5 class=\"\">Taxpayers with collection notices for IMU, IRPEF or INPS that were never challenged<\/h5>\n                <\/div>\n            <\/div>\n            <div data-colibri-id=\"740-c93\" class=\"h-text h-text-component style-1363 style-local-740-c93 position-relative h-element\">\n              <!---->\n              <!---->\n              <div class=\"\">\n                <p>Debts to the tax authorities are often ignored, but can lead to the seizure of a bank account or salary.\n                  <br>The entire debt position can be reorganised in a single procedure, obtaining a <strong>restructuring of the tax debt<\/strong>, including a partial write-off.<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"h-column h-column-container d-flex h-col-lg-3 h-col-md-3 h-col-12 style-1360-outer style-local-740-c94-outer\">\n        <div data-colibri-id=\"740-c94\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-3 h-px-md-3 h-px-2 v-inner-lg-3 v-inner-md-3 v-inner-2 style-1360 style-local-740-c94 position-relative\">\n          <!---->\n          <!---->\n          <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n            <!---->\n            <div data-colibri-id=\"740-c95\" class=\"h-icon style-1361 style-local-740-c95 position-relative h-element\">\n              <!----><span class=\"h-svg-icon h-icon__icon style-1361-icon style-local-740-c95-icon\"><!--Icon by Font Awesome (https:\/\/fontawesome.com)-->\n    <svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"exchange\" viewbox=\"0 0 1792 1896.0833\">\n      <path d=\"M1792 1184v192q0 13-9.5 22.5t-22.5 9.5H384v192q0 13-9.5 22.5T352 1632q-12 0-24-10L9 1302q-9-9-9-22 0-14 9-23l320-320q9-9 23-9 13 0 22.5 9.5T384 960v192h1376q13 0 22.5 9.5t9.5 22.5zm0-544q0 14-9 23l-320 320q-9 9-23 9-13 0-22.5-9.5T1408 960V768H32q-13 0-22.5-9.5T0 736V544q0-13 9.5-22.5T32 512h1376V320q0-14 9-23t23-9q12 0 24 10l319 319q9 9 9 23z\"><\/path>\n    <\/svg><\/span><\/div>\n            <div data-colibri-id=\"740-c96\" class=\"h-global-transition-all h-heading style-1362 style-local-740-c96 position-relative h-element\">\n              <!---->\n              <div class=\"h-heading__outer style-1362 style-local-740-c96\">\n                <!---->\n                <!---->\n                <h5 class=\"\">Guarantors pursued after the principal debtor\u2019s default<\/h5>\n              <\/div>\n            <\/div>\n            <div data-colibri-id=\"740-c97\" class=\"h-text h-text-component style-1363 style-local-740-c97 position-relative h-element\">\n              <!---->\n              <!---->\n              <div class=\"\">\n                <p>Those who signed as guarantors (even without seeing it as a \u201creal debt\u201d) find their assets and income under attack. It is possible to assess <strong>separately<\/strong> the guarantor\u2019s position and include it in a personal procedure to avoid full enforcement of the guarantee.<\/p>\n              <\/div>\n            <\/div>\n            <div data-colibri-id=\"740-c98\" class=\"style-1375 style-local-740-c98 position-relative h-element\">\n              <!---->\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"h-column h-column-container d-flex h-col-lg-3 h-col-md-3 h-col-12 style-1369-outer style-local-740-c99-outer\">\n        <div data-colibri-id=\"740-c99\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-3 h-px-md-3 h-px-3 v-inner-lg-3 v-inner-md-3 v-inner-3 style-1369 style-local-740-c99 position-relative\">\n          <!---->\n          <!---->\n          <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n            <!---->\n            <div data-colibri-id=\"740-c100\" class=\"h-icon style-1372 style-local-740-c100 position-relative h-element\">\n              <!----><span class=\"h-svg-icon h-icon__icon style-1372-icon style-local-740-c100-icon\"><!--Icon by Font Awesome (https:\/\/fontawesome.com)-->\n    <svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"area-chart\" viewbox=\"0 0 2048 1896.0833\">\n      <path d=\"M2048 1536v128H0V128h128v1408h1920zM1664 512l256 896H256V832l448-576 576 576z\"><\/path>\n    <\/svg><\/span><\/div>\n            <div data-colibri-id=\"740-c101\" class=\"h-global-transition-all h-heading style-1373 style-local-740-c101 position-relative h-element\">\n              <!---->\n              <div class=\"h-heading__outer style-1373 style-local-740-c101\">\n                <!---->\n                <!---->\n                <h5 class=\"\">Companies or sole traders burdened by suppliers, leasing, mortgages and overdrafts<\/h5>\n              <\/div>\n            <\/div>\n            <div data-colibri-id=\"740-c102\" class=\"h-text h-text-component style-1374 style-local-740-c102 position-relative h-element\">\n              <!---->\n              <!---->\n              <div class=\"\">\n                <p>The business is still operating, but cash flow no longer covers the debts. There is a risk of operational paralysis and protested bills.\n                  <br>It is possible to consider a <strong>plan <\/strong> that takes account of cash flow, real possibilities and remaining assets.\n                  <br>\n                <\/p>\n              <\/div>\n            <\/div>\n            <div data-colibri-id=\"740-c103\" class=\"style-1378 style-local-740-c103 position-relative h-element\">\n              <!---->\n            <\/div>\n            <div data-colibri-id=\"740-c104\" class=\"h-x-container style-1376 style-local-740-c104 position-relative h-element\">\n              <!---->\n              <div class=\"h-x-container-inner style-dynamic-740-c104-group style-1376-spacing style-local-740-c104-spacing\"><span class=\"h-link__outer style-1377-outer style-local-740-c105-outer d-inline-flex h-element\"><a h-use-smooth-scroll=\"true\" href=\"https:\/\/www.studiobarnaba.it\/en\/intervista-al-debitore\/\"  data-colibri-id=\"740-c105\" class=\"d-flex w-100 align-items-center h-link style-1377 style-local-740-c105 position-relative\"><!----><span  class=\"h-svg-icon h-link__icon style-1377-icon style-local-740-c105-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"angle-double-right\" viewbox=\"0 0 512 545.5\"><path d=\"M145.5 108.5l168 168L325 288l-11.5 11.5-168 168-22.5-23L279.5 288 123 131.5zm112 0l168 168L437 288l-11.5 11.5-168 168-22.5-23L391.5 288 235 131.5z\"><\/path><\/svg><\/span>                <span>STEP 1: BOOK AN INTERVIEW<\/span><\/a>\n                <\/span>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div>\n<div data-colibri-component=\"section\" data-colibri-id=\"740-c106\" id=\"about\" class=\"h-section h-section-global-spacing d-flex align-items-lg-center align-items-md-center align-items-center style-1340 style-local-740-c106 position-relative\">\n  <!---->\n  <!---->\n  <div class=\"h-section-grid-container h-section-boxed-container\">\n    <!---->\n    <div data-colibri-id=\"740-c107\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-2 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1341 style-local-740-c107 position-relative\">\n      <!---->\n      <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-2 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n        <!---->\n        <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1342-outer style-local-740-c108-outer\">\n          <div data-colibri-id=\"740-c108\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-2 h-px-md-2 h-px-2 v-inner-lg-2 v-inner-md-2 v-inner-2 style-1342 style-local-740-c108 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-center align-self-md-center align-self-center\">\n              <!---->\n              <div data-colibri-id=\"740-c109\" class=\"h-global-transition-all h-heading style-1343 style-local-740-c109 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1343 style-local-740-c109\">\n                  <!---->\n                  <!---->\n                  <h5 class=\"\">Every path begins with careful analysis.<\/h5>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c110\" class=\"h-global-transition-all h-heading style-1344 style-local-740-c110 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1344 style-local-740-c110\">\n                  <!---->\n                  <!---->\n                  <h3 class=\"\">To receive assistance with business crisis and over-indebtedness, you can book a consultation.<\/h3>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c111\" class=\"h-text h-text-component style-1345 style-local-740-c111 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>A technical, confidential and structured discussion, to understand whether there is real scope for action.\n                    <br>Online or in the office, the appointment makes it possible to analyse your personal position and assess whether there are grounds for action.<\/p>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c112\" class=\"h-text h-text-component style-2809 style-local-740-c112 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>Question: What should I do if I have received a tax collection notice that I believe is unfair? Answer: Do not ignore it: many notices can only be challenged within short time limits (e.g. 30 or 60 days). The Firm can analyse the notice, check for formal or substantive defects and assess whether to bring a challenge, apply for a stay or ask for the charge to be cancelled. Question: Can a seizure be stopped? Answer: In some cases, yes, especially where there are defects in service, time-barred debts, breaches of statutory limits or alternative procedures under way. Prompt action is essential. Question: If I sign a personal guarantee, can I be pursued even though I did not take on the debt? Answer: Yes. The guarantor can be held jointly liable with the principal debtor. However, not all guarantees are valid: some contain void or unfair clauses. The Firm assesses whether there is scope to resist enforcement or reduce the exposure. Question: Can a tax collection notice contain calculation errors? Answer: Yes. Notices not infrequently contain duplicated amounts, penalties not due or wrongly calculated interest. You can ask for the charge to be cancelled or challenge the notice before the competent authority. Question: Can several debts be combined in a single procedure? Answer: Yes. In the case of over-indebtedness, the Business Crisis and Insolvency Code allows a single plan to be proposed covering different debts (tax, bank, private). The Firm assesses whether this is possible and prepares the application if the requirements are met. Question: Does the Firm also negotiate with creditors before starting legal proceedings? Answer: Yes. In many cases it is useful to open technical negotiations for a reduced settlement, a payment extension or an out-of-court agreement, even before submitting a formal plan. The Firm assists in drafting proposals and handling contacts with creditors. Question: How can I protect myself against a seizure? Answer: You can act promptly by opposing the enforcement or the enforcement acts, challenging the seizure on formal or substantive grounds. Alternatively, by paying the amount claimed, plus costs, directly to the bailiff, you avoid the seizure. The law also provides for the conversion of the seizure, i.e. replacing the asset with a sum of money. Every case is different, in timing and grounds: the available routes are specific and require advice. Question: What can be seized if I have nothing? Answer: The law protects a minimum needed to live: essential household goods, the portion of a pension equal to twice the social allowance (with a minimum of 1,000 euros) and, in a bank account, salary or pension credits received before the seizure up to three times the social allowance cannot be seized. Anything above these limits remains liable to seizure, even if the amount is small. Question: How much can be seized from a salary of 800 euros? Answer: There is no minimum exempt threshold on salaries: an ordinary creditor (bank, finance company, private individual) can seize up to one fifth of the net salary, i.e. 160 euros a month; the collection agent, for salaries up to 2,500 euros, one tenth, i.e. 80 euros. Pensions are different: the portion equal to twice the social allowance, with a minimum of 1,000 euros, cannot be seized, so a pension of 800 euros cannot be seized by ordinary creditors. Question: At what amount can a home be seized? Answer: It depends on who the creditor is, the type of property and the amount of the debt. The collection agent cannot seize the debtor\u2019s only property if it is used as a home, the debtor is registered as resident there and it is not a luxury property; in other cases it can proceed only if the total debt exceeds 120,000 euros, after registering a charge and allowing at least six months to pass. Private creditors (banks, finance companies, individuals) are not subject to these limits: with an enforceable title they can seize even a first home, whatever the amount, provided the procedure is lawful. In any event, the debtor can ask the court to convert the seizure, replacing the property with a sum equal to the debt, costs and interest, which may also be paid in instalments (up to 48 months): if granted, this avoids the forced sale. Question: What happens if I cannot afford to pay the Italian Revenue Agency? Answer: If the collection notice is not paid within 60 days of service, the collection agent can take recovery measures: seizures, administrative detention of vehicles, charges on property, seizure of bank accounts and forced sales. Before that point, payment by instalments, any settlement schemes in force or an over-indebtedness procedure can be considered. Question: When does a tax collection notice become time-barred? Answer: It depends on the nature of the claim: as a rule, 10 years for state taxes and 5 years for local taxes, social security contributions and fines. Limitation periods can be interrupted by formal collection acts (such as a new notice or a payment demand), so each case must be checked against the tax rolls and the notices served. Question: What is over-indebtedness and who can access the procedures? Answer: It is a persistent imbalance between debts and available resources that prevents obligations from being met regularly. You do not need to be without assets: what matters is being unable to pay sustainably with your current income. The procedures are open to consumers, professionals, minor entrepreneurs below the statutory thresholds, agricultural entrepreneurs, innovative start-ups and others not subject to judicial liquidation, provided they act transparently and in good faith. Question: What are the requirements? Answer: A genuine state of over-indebtedness; belonging to a category not subject to judicial liquidation (e.g. consumers, professionals, minor entrepreneurs); good faith, i.e. no acts in fraud of creditors, diversion or concealment of assets; complete documentation on debts, assets, income and expenses. Question: Which debts are included (and which are not)? Answer: The procedure can include debts to banks, suppliers and the tax authorities, utility bills, fines, etc. Some debts, however, are not cancelled by the discharge, such as maintenance obligations, damages for non-contractual unlawful acts and criminal and administrative penalties not ancillary to debts already discharged. Question: How much does it cost and how long does it take? Answer: Costs range from a few thousand euros to over 10,000 euros for complex cases, and vary widely according to the debts, creditors, documents and any expert reports; the Firm provides a written quote after the preliminary assessment. As for timing, preparation can take a few weeks; controlled liquidation generally leads to discharge after three years, while the duration of plans depends on the case. Question: Who cannot access the procedures? Answer: Businesses above the statutory thresholds, which are subject to the ordinary procedures; those who have already obtained a discharge in the previous five years or twice; and those who caused their over-indebtedness through gross negligence, bad faith or fraud (the precise conditions vary by procedure). Question: How is the procedure started? Answer: An application is filed with the competent court, with the assistance of an OCC (crisis settlement body), together with the documents showing the financial situation. Question: How long does it take on average? Answer: It depends on the procedure: controlled liquidation generally lasts three years, while consumer debt restructuring and the minor composition with creditors vary in length and often last several years. Question: What are the advantages? Answer: The procedure can stop enforcement actions, allows a sustainable plan and offers the possibility of a financial \u201csecond life\u201d. Question: Can I really resolve my over-indebtedness? Answer: It depends on the actual situation. The Firm offers a preliminary technical interview to assess whether the legal requirements and real prospects of feasibility exist, with possible access to restructuring procedures, the minor composition with creditors or discharge. Question: What happens after the decision? Answer: If the procedure is approved, the proposed plan is implemented (partial repayment or liquidation of assets), followed by discharge. This stage differs for each procedure and is managed according to the instructions of the court and of the OCC. Question: Can tax collection notices be cancelled? Answer: Yes, the notices can be included in the procedure if they form part of the plan or agreement approved by the court, and can be reduced on the terms provided. Question: What if I have neither income nor assets? Answer: A deserving individual who can offer nothing to creditors can obtain, once in a lifetime, the cancellation of their debts (discharge of the debtor without means). If significant resources become available in the following years, the debtor must allocate part of them to creditors. Question: What is a reduced settlement (saldo e stralcio)? Answer: It is an alternative route in which a reduced payment of the debt is negotiated (e.g. with banks and suppliers); it requires the creditor\u2019s agreement, whereas a court procedure can make the reduction binding even on creditors who do not agree.<\/p>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"740-c113\" class=\"h-x-container style-1346 style-local-740-c113 position-relative h-element\">\n                <!---->\n                <div class=\"h-x-container-inner style-dynamic-740-c113-group style-1346-spacing style-local-740-c113-spacing\"><span class=\"h-button__outer style-1347-outer style-local-740-c114-outer d-inline-flex h-element\"><a h-use-smooth-scroll=\"true\" href=\"https:\/\/www.studiobarnaba.it\/en\/consulenza-legale-online\/\"  data-colibri-id=\"740-c114\" class=\"d-flex w-100 align-items-center h-button justify-content-lg-center justify-content-md-center justify-content-center style-1347 style-local-740-c114 position-relative\"><!----><!----> <span>Book a CONSULTATION<\/span><\/a>\n                  <\/span><span class=\"h-button__outer style-1347-outer style-local-740-c115-outer d-inline-flex h-element\"><a h-use-smooth-scroll=\"true\" href=\"https:\/\/www.studiobarnaba.it\/en\/intervista-form-2\/\"  data-colibri-id=\"740-c115\" class=\"d-flex w-100 align-items-center h-button justify-content-lg-center justify-content-md-center justify-content-center style-1347 style-local-740-c115 position-relative\"><!----><!----> <span>Book a Debtor Interview<\/span><\/a>\n                  <\/span>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1348-outer style-local-740-c116-outer\">\n          <div data-colibri-id=\"740-c116\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-2 h-px-md-2 h-px-2 v-inner-lg-2 v-inner-md-2 v-inner-2 style-1348 style-local-740-c116 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-center align-self-md-center align-self-center\">\n              <!---->\n              <div data-colibri-id=\"740-c117\" class=\"d-block style-1349 style-local-740-c117 position-relative h-element\">\n                <!---->\n                <div class=\"h-image__frame-container-outer\">\n                  <div class=\"h-image__frame-container\">\n                    <!---->\n                    <!---->\n                    <img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1280\" src=\"https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/10\/IMG_3419.jpg\" class=\"wp-image-3455 style-1349-image style-local-740-c117-image\" alt=\"\" srcset=\"https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/10\/IMG_3419.jpg 1920w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/10\/IMG_3419-300x200.jpg 300w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/10\/IMG_3419-1024x683.jpg 1024w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/10\/IMG_3419-768x512.jpg 768w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/10\/IMG_3419-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\n                    <div class=\"h-image__frame h-hide-sm style-1349-frameImage style-local-740-c117-frameImage\"><\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Debiti, esposizioni, pressioni dai creditori: affrontare la crisi \u00e8 possibile. 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