Enforcement Lawyer Suceava — stopping garnishments and contestations
If you have a garnishment on your account or received a summons, it is important to know that enforcement is not always legal.
I offer legal assistance in Suceava for:
- Enforcement contestations
- Stopping garnishments
- Invoking prescription
- Cancellation of illegal enforcement
In many cases, enforcement can be reduced or completely cancelled.
📞 Contact enforcement lawyer Suceava for a quick analysis.
What is enforcement
Enforcement is the procedure by which a creditor holding an enforcement title (hotărâre judecătorească, contract de credit, etc.) can pursue the debtor's assets to recover the claim.
- Wage, bank account and other income garnishment
- Movable enforcement — movable assets
- Immovable enforcement — sale of real estate
- Reversal of enforcement in case of cancellation of the enforcement title
Payment in kind — Law 77/2016
The payment in kind law allows individual debtors to extinguish the mortgage loan by transferring real estate to the bank, under certain conditions.
- Verification of eligibility for the payment in kind procedure
- Drafting and sending the notification of payment in kind to the creditor
- Assistance in negotiating with the bank
- Representation in disputes regarding the contestation of the notification by the creditor
- Monitoring the procedure until the mortgage is deregistered
Contesting abusive enforcement
If you are subject to enforcement and believe it is illegal, you have the enforcement contestation available:
- Contesting procedurally defective enforcement forms
- Suspension of enforcement during trial
- Recovery of costs in case of illegal enforcement
Yes, by filing an enforcement contestation and, if necessary, a suspension request. The deadline for contestation is 15 days from the date of notification of the enforcement act.
Individual debtors who have taken out mortgage loans for personal needs, with a value below 250,000 euros, and who are in demonstrable financial difficulty.
If the notification is accepted and the procedure is completed, the entire debt is extinguished — including the difference remaining after the property value. This is the main protection offered by Law 77/2016.
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