{"id":291,"date":"2014-12-23T09:23:05","date_gmt":"2014-12-23T09:23:05","guid":{"rendered":"http:\/\/zerveaslaw.gr\/?page_id=291"},"modified":"2026-02-15T14:03:14","modified_gmt":"2026-02-15T14:03:14","slug":"judgments","status":"publish","type":"page","link":"https:\/\/zerveaslaw.gr\/en\/services\/indebted_households\/judgments\/","title":{"rendered":"DECISIONS OF OUR OFFICE"},"content":{"rendered":"

\"protect_house\"Our office undertakes and handles cases concerning the judicial settlement of overdue debts of over-indebted individuals in accordance with the provisions of laws 3869\/2010 & 4161\/2013 (Katselis law) and has gained extensive experience, participating in many trials and achieving favorable decisions for its clients.<\/p>\n

It is worth noting that the head of our office, Evangelos Zerveas, in his capacity as President of the Independent Administrative Authority "CONSUMER ADVOCATE" had assumed a prominent mediating role by law between debtors and banks during the validity of the out-of-court settlement, as initially defined by law and subsequently abolished. In the same capacity, he participated in providing an advisory role to consumers regarding the conditions for their inclusion or non-inclusion in the protection of the law.<\/p>\n

We list some of the final court decisions of the Magistrates' Courts on cases handled by our office:<\/span><\/p>\n

1. 381,680 EURO HAIRCUT for a cancer patient\/out of a total debt of 457,433.40 euros, he is required to pay only 75,750 euros while simultaneously saving his main residence [ decision number \u0395\u03b9\u03c1\u0391\u03b8 619\/\u03a61477\/2012<\/a><\/em> ]<\/span><\/p>\n

2. 415,000 EURO HAIRCUT to a retired, former high-paid private employee\/out of a total debt of 490,889.07 euros, he is required to pay only 75,750 euros while simultaneously saving his main residence [ decision number 620\/\u03a61478\/2012<\/a><\/em> ]<\/span><\/p>\n

3. ALMOST THE ENTIRE DEBT HAS BEEN CUT OFF to a pensioner due to disability\/out of 63,326.57 euros, he is required to pay just 4,800 euros without interest [ decision number \u0395\u03b9\u03c1\u0391\u03b8 711\/\u03a61631\/2013<\/a><\/em> ]<\/span><\/p>\n

4. 183,240 EURO HAIRCUT to a taxi owner\/out of a total debt of 301,560.14 euros, he is required to pay only 118,320 euros while simultaneously saving his main residence [ decision number EirLavr 363\/\u03a6727\/2014<\/a><\/em> ]<\/span><\/p>\n

5. 80% CUT IN CONSUMER LOANS to a private employee\/from 14,250.32 euros he is asked to pay only 2,880 euros and without interest [ decision number \u0395\u03b9\u03c1\u0391\u03b8 830\/\u03a61630\/2013<\/a><\/em> ]<\/span><\/p>\n

6. 65% HAIRCUT ON THE TOTAL DEBT to a low pensioner\/from 32,294 euros he is asked to pay only 13,308 euros while simultaneously saving the main residence [ decision number \u0395\u03b9\u03c1\u0391\u03b8 323\/\u03a6727\/2014<\/a> ]<\/span><\/p>\n

7. 65% HAIRCUT IN CONSUMER LOANS\/out of 117,049.80 euros, the husband is required to pay only 40,833.36 euros while simultaneously saving the main residence, while the wife will pay only 12,000 out of a total of 63,047.04 euros [ decision number \u0395\u03b9\u03c1\u0391\u03b8 578\/\u03a6986+988\/2014<\/a> ]<\/span><\/p>\n

8. HAIRCUT 73% ON THE TOTAL DEBT to an unemployed woman\/from 100,129.34 euros she is required to pay only 27,648 euros while simultaneously saving the main residence [ decision number EirMarath 16\/2014<\/a> ]<\/span><\/p>\n

9. ZERO PAYMENTS to an unemployed builder and rescheduling of the trial after 18 months with protection of the main residence [ decision number \u0395\u03b9\u03c1\u0391\u03b8 1163\/\u03a61300\/2014<\/a> ]<\/span><\/p>\n

10. HAIRCUT OF ALMOST THE ENTIRE AMOUNT OF 247,761.93 EUROS TO A PENSIONER\/ASKED TO PAY JUST 3,000 EUROS [ decision number \u0395\u03b9\u03c1\u0391\u03b8 1172\/\u03a61245\/2014<\/a> ]<\/span><\/p>\n

11. HAIRCUT 137,813.42 euros to a borrower [ decision number \u0395\u03b9\u03c1\u0391\u03b8 1103\/\u03a63837\/2015<\/a> ]<\/span><\/p>\n

12. HALF DEBT CUT \/ Out of 59,621.74 euros, he is required to pay 26,236.20 euros [ decision number 1628\/\u03a62486\/2201\/2014<\/a> ]<\/span><\/p>\n

13. HAIRCUT OF MANY THOUSANDS OF EUROS, totaling \u20ac484,367.67 [ decision number 815\/2016<\/a> ]<\/span><\/p>\n

14. SETTLEMENT OF DEBT TO A COUPLE OF \u20ac400,000- SWISS FRANKS [ decision number 765\/2017<\/a> ]<\/span><\/p>\n

15. DEBT SETTLEMENT TO 4 BANKS \u2013 PRIMARY RESIDENCE PROTECTION & EXEMPTION FROM SALE OF THE COUNTRY HOUSE [ decision number 625\/2017<\/a> ]<\/span><\/p>\n

16. 65% CUTTING ALMOST THE TOTAL DUE TO ONE-DIMENSIONAL MOTHER [ decision number 1228\/2017<\/a> ]<\/span><\/p>\n

17. Debt settlement from BAD CHECKS \u2013 Rejection of the bank's claim for FRAUDULENT TRANSFERS of real estate \u2013 ZERO PAYMENTS for 3 years [ decision number 2694\/2017<\/a> ]<\/span><\/p>\n

18. HUGE HAIRCUT \u2013 FROM \u20ac387,887.71 he will pay ONLY \u20ac40,000 in interest with parallel protection of the main residence [ decision number 2345\/2017<\/a> ]<\/span><\/p>\n

19. Arrangement for the TRADE DEBT guarantor [ decision number 2761\/2017<\/a> ]<\/span><\/p>\n

20. ZERO PAYMENTS for 3 years to a father of two minor children and gradual repayment of only half of the loan to save his home [ decision number 207\/2018<\/a> ]<\/span><\/p>\n

21. HAIRCUT 580,000 EUROS! [ decision number 422\/2017<\/a> ]<\/span><\/p>\n

22. 50% haircut on a loan from the Deposit and Loan Fund [ decision number 7322\/2017<\/a> ]<\/span><\/p>\n

23. TOTAL WRITTENNESS of debt to an unemployed person [ decision number 5773\/2017<\/a> ]<\/span><\/p>\n

24. Haircut ABOVE 85% [ decision number 352\/2018<\/a> ]<\/span><\/p>\n

We also list some of the decisions of the Justices of the Peace (temporary orders) on applications for temporary judicial protection concerning our over-indebted clients:<\/span><\/p>\n

25. Protection of both apartments of the borrower without any payment obligation until 2017, for a total debt of 301,426.96 euros [ Temporary order<\/a> ]<\/span><\/p>\n

26. Protection of all 12 assets of the borrower with the obligation to pay 150 euros per month until 2019, for a total debt of 156,885.39 euros [ Temporary order<\/a> ]<\/span><\/p>\n

27. Protection of all the borrower's property without any payment obligation until 2022, for a total debt of 662,199.73 euros [ Temporary order<\/a> ]<\/span><\/p>\n

28. Protection of all 5 assets of the borrower with the obligation to pay only 100 euros per month until 2019, for a total debt of 464,244.26 euros [ Temporary order<\/a> ]<\/span><\/p>\n

29. Protection of all 7 assets of the borrower with the obligation to pay only 50 euros per month until 2015 when the case will be re-discussed, for a total debt of 102,150.03 euros [ Temporary order<\/a> ]<\/span><\/p>\n

30. Protection of all the borrower's property without any payment obligation for one year and renegotiation of the case, for a total debt of 787,571.27 euros [ Temporary order<\/a> ]<\/span><\/p>\n

31. Protection of the borrower's main residence with a payment obligation of just 30 euros, out of a total debt of 122,022.59 euros [ Temporary order<\/a> ]<\/span><\/p>\n

32. Protection of all 5 assets of the borrower without the obligation of monthly payment, for a total debt of 108,614.05 euros [ Temporary order<\/a> ]<\/span><\/p>\n

33. Protection of a primary residence with minimum payments of 30 euros per month until 2025, for a total debt of 57,129.43 euros [ Temporary order<\/a> ]<\/span><\/p>\n

34. Protection of the borrower's main residence without any payment obligation until 2023, for a total debt of 24,081.53 euros [ Temporary order<\/a> ]<\/span><\/p>\n

35. Protection of all assets of the borrower including the vehicle with retention of ownership with an obligation to pay 80 euros for the next two years, for a total debt of 370,038.58 euros [ Temporary order<\/a> ]<\/span><\/p>\n

36. Protection of the borrower's main residence with an obligation to pay 70 euros until 2023, for a total debt of 16,747.71 euros [ Temporary order<\/a> ]<\/span><\/p>\n

37. Protection of all assets of the borrower with an obligation to pay 100 euros until 2021, for a total debt of 34,058.68 euros [ Temporary order<\/a> ]<\/span><\/p>\n

38. Protection of the borrower's ten assets with an obligation to pay 50 euros by 2020, for a total debt of 31,542.50 euros [ Temporary order<\/a> ]<\/span><\/p>\n

39. Protection of the assets of the borrower's spouses with an obligation to pay for both 150 euros until 2025, for a total debt of 86,655.33 euros [ Temporary order<\/a> ]<\/span><\/p>\n

40. Protection of the borrower's assets with an obligation to pay 120 euros until 2026, for a total debt of 47,762.74 euros [ Temporary order<\/a> ]<\/span><\/p>\n

41. Protection of all assets of the borrower without payment obligation for one year, for a total debt of 653,431.54 euros [ Temporary order<\/a> ]<\/span><\/p>\n

42. Protection of all assets of the borrower with the obligation to pay only 50 euros by 2020, for a total debt of 562,480.70 euros [ Temporary order<\/a> ]<\/span><\/p>\n

Protection of the borrower's main residence without any payment obligation until the discussion and removal of installment deductions from the salary, for a total debt of 101,466.7 euros [ Temporary order<\/a> ]<\/span><\/p>\n

44 Protection of the borrower's main residence, a former merchant, without any payment obligation until the issuance of a final decision, for a total debt of 425,172.12 euros [ Temporary order<\/a> ]<\/span><\/p>","protected":false},"excerpt":{"rendered":"

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