Over-Indebtedness

A Clear Path to Financial Recovery

Under Italian Over-Indebtedness Law (Law 3/2012 and subsequent amendments), insolvent consumers, small business owners, sole traders, agricultural enterprises, and professionals can legally restructure their debt burdens and achieve debt discharge (esdebitazione).

How We Help:

  • Financial Assessment: Identifying the optimal statutory solution (Consumer Restructuring Plan, Creditor Agreement, or Judicial Asset Liquidation).
  • Procedure Management: Filing official applications with Over-Indebtedness Resolution Bodies (OCC) across all Italian courts.
  • Court Representation: Guiding clients through interactions with court-appointed managers and securing final court approval (homologation) of the restructuring plan.
MILANO - Via Fontana, 14
Tel. +39 02 59900389
milano@marslf.com 
FIRENZE - Viale Amendola, 20
Tel. +39 055 662713
firenze@marslf.com 
ROMA - Via del Corso, 107
Tel. +39 0621119218
roma@marslf.com 
NAPOLI - Via Tasso, 65
+39 081 407163
napoli@marslf.com