Real Estate Law
Sep 28, 2026
360 Approach • Component 04
Dealing with
Dealing with
a financial emergency.
Sometimes our clients turn to us in situations of genuine financial emergency. Their property continues to incur significant expenses: loan payments on the mortgage taken out to purchase it, condominium fees, and any applicable taxes. However, when rent payments suddenly stop due to a defaulting tenant, bankruptcy, or the tenant’s decision to cease operations, the financial stability of the arrangement is immediately disrupted. The arrangement had been based on a simple logic: rent covers the expenses. As soon as the revenue disappears, the owner’s budget becomes abruptly unbalanced.
A Typical Situation
This is the situation faced by the man, the woman, and the family who can no longer make ends meet at the end of the month because the investment that was supposed to pay for itself has turned into a burden they can no longer bear. Goethe Avocats has developed a specific service to assist and support co-owners facing this emergency.
Our Special Offer
Two approaches: payment terms (suspension of payments for up to 2 years) and financial restructuring (loans, insurance, restructuring).
The Two Leverage Points
Solution 1
Payment Terms
The law allows borrowers to request a suspension of bank loan payments for a period of up to two years, in order to provide temporary relief to borrowers facing financial difficulties. In this context, we take two approaches:
In this context, we take two approaches:
- Legal Proceedings file a petition with the appropriate court to obtain a judicial suspension of repayments.
- Out-of-court settlement direct negotiation with the bank on this legal basis.
Solution 2
Asset Renegotiation
Wealth renegotiation involves entrusting us with the task of making the client’s financial situation
sustainable over the long term. It is a comprehensive mandate under which we
work, in a structured and methodical manner, to rebalance all of the client’s
financial obligations:
- Loan Renegotiation , in order to ease the financial burden and adjust payment schedules to the customer's actual financial capacity.
- Renegotiation of Insurance Policies , to maximize coverage and reduce unnecessary costs.
- Comprehensive Asset Restructuring , to restore financial balance, clarify priorities, and secure the future. These projects are carried out in partnership with specialized professionals whose expertise complements our own.
FAQ
Frequently Asked Questions
Is it really possible to have your bank payments suspended?
Yes. The law allows you to request a suspension of loan repayments for a period of up to two years. This suspension can be obtained through the courts or negotiated directly with the bank on the same legal basis. Goethe Avocats handles both types of cases.
What happens if I stop receiving rent and can no longer make my payments?
This is a financial emergency that needs to be addressed quickly. There are two main options: the suspension of bank payments (for up to two years) and financial restructuring (loans, insurance, overall restructuring). Contact us as soon as possible—every month that passes makes the situation worse.
Is the renegotiation of an estate settlement compatible with ongoing litigation?
Yes, the two approaches are complementary and can be pursued simultaneously. Litigation aims to recover rent or salvage the investment, while asset-based renegotiation aims to immediately stabilize the client’s financial situation. We coordinate both.
How long will it take to have my payments suspended?
The timeframe depends on the approach taken. Through out-of-court settlement, negotiations may be resolved within a few weeks, depending on how quickly the bank responds. Through legal proceedings, the timeframe varies depending on the court and whether or not the situation is deemed urgent.
Blog
Recent News
Goethe Avocats · Contact Us
Take action now.
Analyze my situation →
Take action now.
Solutions exist.
Every month without a solution makes the situation worse. Suspension of bank payments, asset renegotiation—let’s review your case.