Insolvency Law · European Union
Renegotiate Your Debt Through Debt Restructuring With Expert Help
Debt restructuring is the process of renegotiating what you owe — the terms, the interest, the timeline or the total — so the burden becomes one you can actually carry. We match you, free of charge, with a vetted debt restructuring lawyer who reworks loans and liabilities for individuals and businesses across Europe every day.
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Who this is for
For anyone whose debts have outgrown the original terms they were signed on
Debt restructuring is the renegotiation of existing obligations to make them more manageable — extending the term, lowering the interest rate, converting debt to equity, or reducing the principal itself. It applies to a homeowner whose mortgage has become unaffordable, a founder whose business loan no longer matches its cash flow, and a company whose borrowing predates a downturn. Unlike formal insolvency, restructuring is usually voluntary: the debtor and creditors agree new terms because it serves both sides better than a default. But getting there requires leverage, a credible proposal and an understanding of what each creditor can realistically accept — which is exactly what a specialist lawyer brings. Done well, restructuring keeps assets intact, protects credit standing and avoids the disruption of a formal insolvency process altogether.
Why people get stuck
Creditors say no to the people who ask the wrong way.
The terms you get depend on how you negotiate.
Debtors often approach lenders informally and unprepared, with no plan and no leverage, and are met with refusal or worse terms.
Asking without a plan
A lender is unlikely to agree new terms on a vague request for more time. Creditors respond to a structured proposal that shows what you can pay, over what period, and why that is better than a default.
No leverage in negotiations
Without understanding your legal position — what a creditor could actually recover in a default, and what protections you hold — you negotiate from weakness and accept terms far worse than necessary.
Agreeing terms that don’t hold
Informal arrangements can collapse when a single creditor breaks ranks or new debt appears. A properly structured agreement, documented and enforceable, is what keeps a restructuring in place.
What you get
A debt restructuring lawyer who negotiates from strength
We only match you with lawyers who renegotiate debt for individuals and businesses regularly in your country.
A credible repayment proposal
Your lawyer builds a realistic, evidence-backed plan of what you can pay and when, presented in the form creditors expect — so your request is taken seriously from the first conversation.
Leverage you did not know you had
Your lawyer identifies the protections, defences and commercial realities that strengthen your hand, ensuring you negotiate from a position of real knowledge rather than desperation.
Terms that actually fit
Interest, term, security and principal are reworked around your real capacity to pay, so the restructured debt is one you can genuinely service rather than a temporary postponement.
An enforceable agreement
The new terms are properly documented and binding, so the deal holds firm and no individual creditor can later unravel it or renew pressure against you.
Coverage
Debt restructuring lawyers across Europe
Debt restructuring rules, formal mechanisms and lender practices are national, and the approach differs between countries. The right lawyer practises in the country where the debt is governed. We match cases across the following and beyond:
Frequently asked
Debt restructuring — common questions
What is debt restructuring?
Debt restructuring is the renegotiation of existing borrowing to make it more manageable — for example by extending the term, reducing the interest rate, converting debt to equity, or writing down part of the principal. It is usually a voluntary agreement between debtor and creditors, and its precise forms vary by country.
How is debt restructuring different from debt consolidation?
Debt consolidation replaces several debts with a single new loan, while restructuring renegotiates the terms of existing debts themselves. Restructuring can involve multiple creditors and may reduce the total owed, whereas consolidation typically repackages rather than reduces the debt.
Will my creditors agree to restructure my debt?
Often yes, when it is in their interest — a debtor who defaults may recover little, so creditors frequently prefer realistic new terms. Success depends on presenting a credible proposal and understanding each creditor’s position, which is where a lawyer adds the most value.
Does debt restructuring affect my credit record?
It can, depending on the arrangement and the country, though the impact is generally less severe than a formal insolvency or repeated missed payments. A lawyer can explain the likely consequences for your situation and help you choose the approach that limits the damage.
Can I restructure secured debts like a mortgage?
Yes, in many cases. Lenders holding security such as a mortgage may agree to extend the term, reduce payments or otherwise adjust terms, particularly where a default would be more costly for them. The lender’s willingness depends on your position and the jurisdiction.
Do I need a formal process to restructure debt?
Not necessarily. Many restructurings are entirely consensual and never enter a court. Formal mechanisms are usually needed only where creditors cannot agree, and your lawyer will advise whether a voluntary deal or a formal route is more appropriate for you.
Free case review
The terms you settle on now shape your next five years
Tell us what you owe and we’ll connect you with a debt restructuring lawyer who renegotiates debt in your country every day — free of charge, with no obligation to hire.