DEFENDING
BORROWERS

We support our clients in disputes with their banks, leveling the playing field in their unequal fights. We believe that by keeping a close eye on financial institutions and consistently enforcing the law, we can have a real impact on changing the credit market. Our goal is to ensure that the services offered are transparent, lawful, and fair to every borrower.

Customers
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Value of pending cases in PLN
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Value of recovered funds in PLN
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EXPLORE OUR SERVICES

I have a mortgage

My instalment got higher, and I need help.


You have a WIBOR-based loan? You can legally reduce the instalment by removing the index from the contract.

I have a cash loan

I want to pay a lower installment.


We’ll check whether the bank granted you a loan pursuant to the law. If not, you can recover the entire loan cost.

I have a loan in CHF

I want to get my money back from the bank.


With us, you can do it effectively and safely – pursuant to the law, with full protection of your assets.

I had a consumer loan

Did the bank settle it correctly?

We’ll professionally analyse your credit history. We’ll check whether the bank owes you any money.

My company loses liquidity

Not enough to cover all your bills?

We help you reduce your instalments, organise your cash flow, and regain control of your budget.

I can't cope with my debts

I don’t know what to do.


If you’re overwhelmed by debt, we’ll help you get through bankruptcy and regain financial peace of mind.

MEET OUR TEAM

We create a team in which everyone works according to their natural potential. We use Talent Dynamics to build synergy – we combine strategic minds, analytical perspectives, relational energy, and effective action. Thanks to this, we support our clients not only with knowledge, but also with genuine passion and commitment.

Michał
Pawlik

BOARD PRESIDENT

Andrzej
Kraczla

BOARD VICE PRESIDENT

Urszula
Sokół

FINANCE DIRECTOR

Agnieszka
Mick

LEGAL DEPARTMENT ANALYST

Małgorzata Herdzin

LEGAL DEPARTMENT ANALYST

Dorota
Nowak

LEGAL DEPARTMENT ASSIST.

Dominika Hudziec-Narkiewicz

MARKETING EXPERT

Ewa
Świetlik

SALES DIRECTOR

Agnieszka Świętochowska

LEGAL ADVISOR

Dominik
Holc

LEGAL ADVISOR

Stanisław
Jasiński

LEGAL ADVISOR

Lidia Andrzejczak-Kościanowska

LEGAL ADVISOR

Piotr
Mańdok

STRATEGY DIRECTOR

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CONTACT US

Call us

734 105 981

or send the form – we will contact you.

    OSTATNIE WPISY NA BLOGU

    TESTIMONIALS

    PLN 31,312.26 recovered from an early repayment of a consumer loan at Nest Bank S.A.

    Case BOT619064551
    dated October 5, 2021.

    PLN 14,849.97 recovered from an early repayment of a consumer loan at Nest Bank S.A.

    Case BOT795995173
    dated April 1, 2022.

    PLN 23,375.02 recovered from an early repayment of a consumer loan at Alior Bank S.A.

    Case No. ZOR/12494/884601/0935
    dated April 20, 2022.

    PLN 59,998.29 recovered from an early repayment of a consumer loan at Nest Bank S.A.

    Case BOT241723660
    dated March 29, 2022.

    PLN 24,011.25 recovered from an early repayment of a consumer loan at Alior Bank S.A.

    Case No. ZOR/19849/734969/1044
    dated June 25, 2020.

    PLN 17,474.83 recovered from an early repayment of a consumer loan at Nest Bank S.A.

    Case BOT566001777
    dated October 28, 2022.

    PLN 10,823.41 recovered from an early repayment of a consumer loan at Nest Bank S.A.

    Case BOT411114668
    dated October 6, 2020.

    PLN 47,662.09 recovered from an early repayment of a consumer loan at Nest Bank S.A.

    Case BOT980451383
    dated October 29, 2021.

    PLN 3,650.39 recovered from an early repayment of a consumer loan at BNP Paribas Bank Polska S.A.

    Case 2024/29834
    of November 21, 2024.

    PLN 9,062.48 recovered from an early repayment of a consumer loan at Getin Noble Bank S.A.

    Case dated May 24, 2022.

    PLN 4,229.02 recovered from an early repayment of a consumer loan at Getin Noble Bank S.A.

    Case dated January 12, 2021.

    PLN 7,323.43 recovered from an early repayment of a consumer loan at PEKAO S.A.

    Case BR/ZRW/IR/712307/2020
    of January 20, 2021.

    PLN 7,114.30 recovered from an early repayment of a consumer loan at Cerdit Agricole Bank Polska S.A.

    Case 277/01/2021
    dated January 28, 2021.

    PLN 17,544.44 recovered from an early repayment of a consumer loan at Plus Bank S.A.

    Case 1231/2022
    of April 27, 2022.

    PLN 86,060.50 recovered due to the cancellation of a foreign currency loan at Bank Ochrony Środowiska S.A.

    Judgment XC1155/24
    of December 18, 2024.

    PLN 82,895.42 recovered due to the cancellation of a foreign currency loan at PKO BP S.A.

    Judgment IC 48/24
    of October 21, 2024.

    PLN 153,462.24 recovered due to the cancellation of a foreign currency loan at Santander Bank Polska S.A.

    Judgment IC 474/24
    of February 11, 2025.

    PLN 569,760.96 recovered due to the cancellation of a foreign currency loan at mBank S.A.

    Settlement agreement
    dated September 4, 2024.

    PLN 267,675.53 recovered due to the cancellation of a foreign currency loan at mBank S.A.

    Settlement agreement
    dated September 4, 2024.

    PLN 590,364.66 recovered due to the cancellation of a foreign currency loan at mBank S.A.

    Settlement agreement
    dated May 6, 2024.

    PLN 96,314.01 recovered due to the cancellation of a foreign currency loan at Santander Bank Polska S.A.

    Judgment ACa 415/24
    of October 9, 2025.

    PLN 82,877.53 recovered due to the cancellation of a foreign currency loan at Santander Bank Polska S.A.

    Judgment ACa 982/23
    of October 22, 2025.

    PLN 553,103.53 recovered due to the cancellation of a foreign currency loan at Bank BPH S.A.

    Settlement agreement
    dated November 17, 2025.

    PLN 132,331.04 recovered due to the cancellation of a foreign currency loan at PKO BP S.A.

    Settlement agreement
    dated May 14, 2025.

    PLN 150,800.00 recovered due to the cancellation of a foreign currency loan at Deutsche Bank Polska S.A.

    Settlement agreement
    dated August 27, 2025.

    PLN 238,114.27 recovered due to the cancellation of a foreign currency loan at mBank S.A.

    Settlement agreement
    dated April 2, 2025.