Defence Lawyer Against Intrum Foreclosures in Thessaloniki

Letters from Intrum are not informational — they are the prelude to legal action. A formal notice, payment order, enforcement order or auction schedule: each document opens a deadline that, once missed, never comes back. Our office faces servicers in the courts of Thessaloniki on a daily basis. Ioannis Papaioannou, legal counsel to the Borrowers' & Consumer Protection Association of Northern Greece, has fought alongside borrowers for over 25 years — and knows first-hand how a defence is built and how a favourable settlement with Intrum is closed.

What is Intrum and what it means for your loan

Intrum Hellas is one of the largest loan servicing companies in the country — it primarily manages portfolios originating from Piraeus Bank, on behalf of international investment funds. Keep two things in mind. First: Intrum is not the "owner" of your loan — it acts as a servicer, and its authority to act must be validly proven at every step. Second: the loans in these portfolios were acquired at a price far below their book balance. Intrum knows this when it negotiates. So should you.

Protecting Your Primary Residence from an Intrum Foreclosure

No home is lost because of a letter — it is lost through inaction in the face of one. From the first demand to the posting of an auction schedule, the law provides specific means of defence: objection, suspension application, the out-of-court workout, a sustainable settlement. In every file we take on, we review from zero: who actually has standing, whether the amount is correctly calculated, whether the procedure was followed. That is where cases are won — in the details servicers hope nobody will examine.

Received a Notice or Payment Order from Intrum: The Critical Deadlines

Defence deadlines are preclusive: once they pass, the right is extinguished — no matter how strong your arguments were.

Negotiation Strategy: How We Achieve a Sustainable Debt Haircut with Intrum

You do not approach Intrum to ask for a favour — you approach it to present a position. Whichever side knows the file better dictates the terms. We make sure that side is you:

• Full review before any contact: Intrum's standing, the real balance, unlawful interest and charges. An unverified amount is not up for discussion.
• The claim's real acquisition value as the baseline: the portfolio was bought at a fraction of the balance — our proposal stands on that, not on the number in the letter.
• A settlement that survives over time: matched to your real income and the property's objective value, so it does not collapse at the second instalment.
• Judicial leverage where needed: a well-founded pending objection turns an "immovable" servicer into a willing counterpart.

A haircut is not an act of goodwill by Intrum — it is the product of properly built pressure. Legal and negotiating.

Objection and Suspension of Foreclosure in the Courts of Thessaloniki

We work where these cases are decided: the Magistrates' Court and the Court of First Instance of Thessaloniki, daily. Knowledge of local case law and practice is not CV decoration — it is what turns an objection from a formality into a real defence. The grounds that most often succeed against servicers like Intrum:

• Standing deficiencies: the chain of transfer of the claim or the servicing assignment is not fully and validly proven.
• Incorrect debt amount: unlawful compound interest, abusive charges, sums not owed.
• Abusive contract terms undermining the claim at its core.
• Procedural defects: defective service, errors in the seizure report, missed deadlines.

Where the case requires it, the objection is paired with a suspension application, keeping the auction on ice until the merits are decided. That wins both time and negotiating weight.

Frequently Asked Questions about Intrum