Banking Law and Recoveries

What do we do

The area of Banking Law and Loan Recoveries of Navarro & Asociados has been rendering its services continuously to important banking entities in the field of Legal Advice and Debt Recovery from all types of banking and financial products. In recent years we have specialized in the provision of these services and, especially, the procedural management of unpaid loans and real estate assets for important Servicers and real estate investment funds business, with highly satisfactory results for our clients.

Our consolidated team of lawyers, highly qualified and specialized in these matters, together with the modern technical tools available and a perfect organization of work, allows us to carry out a massive management of portfolios, guaranteeing, nevertheless, the provision of a personalized and direct service to our customers.

Pre-litigation Debt recovery

We are specialists in pre-litigation debt management, performing active actions in this phase through different means (personnel resources, SMS service, registered fax services (burofax)), using the most mod


Debt claim

We operate in all types of debt claims coming from any banking contract and financial product. We are specialists in contentious claim for massive mortgage debt portfolios.


Insolvency proceedings

We manage debt recovery by intervening in bankruptcy proceedings and pre-bankruptcy previous period, refinancing agreements, out-of-court payment agreements and all the procedures set forth in the Bankruptcy Act, acting in all its phases and incidents.


Real Estate Assets Management

Property Management in leasing operation: Non-payment of rents and other contractual breaches, updating of rents, succession or subrogation, trial and retraction.


Warranty real estate assets

Management of possessory states: we specialize in the massive management of procedures for cleaning up assets coming from illegal occupations and other repossession procedure


Acquisition of credit portfolios -Due Diligence-

We provide advice to investors in loan portfolio acquisition operations, mainly composed of Non-performing Loans, through the preparation of the relevant Due Diligence. We analyze the contracts, type of debtors, range of guarantees and study of procedural risks to be taken into account for recovery expectations, and specification and determination of investor interest.



We have a wide network of investors, performing an active and constant management to provide our clients with investment solutions in loans and assets, and thus contribute in an integral way in the debt recovery task. We provide the necessary support and advice to investors, helping them to correctly assess risk and profitability expectations


Back Office documentation

We provide services for the verification and study of the documentation previous to filing the claim, issuing reports, and procedures necessary to obtain the executive titles.Assistance in drafting minutes of debit balance determination, preparation of requirements and prior communications, advising the client in the pre-trial phase in order to ensure success in contentious phase. Services for the study of corporate and civil documentation for the preparation of reports on acknowledgements of powers for banking and financial entities, relating to disposition and testamentary powers.


Supporting Services

We provide professional locksmith services, security, surveillance, assistance and support in property launches and evictions, as well as de-rubbing, cleaning and maintenance of buildings and establishments.