Situations we resolve every week
Your debt exceeds your income
Your mortgage payment has become impossible to sustain on your current income.
Your home is worth less than your debt
The property is now worth less than you owe the bank (negative equity).
Your income has fallen
Redundancy, illness or a business crisis has reduced what you can pay each month.
Debt elimination
We negotiate directly with the bank, backed by banking law, to reduce or eliminate your mortgage debt.
Property sales
We help you sell at the best possible market price to cover the debt and regain your financial stability.
A clear process, from start to finish
We study your financial and legal situation, at no cost.
We design a personalised action plan for your case.
We negotiate the reduction or elimination of the debt.
We market and sell the property at the best price.
We close the case and support you through your financial recovery.
"We managed to negotiate a significant reduction of his debt with the bank and sold his property at a fair price, allowing him to start afresh."
We answer your questions
Who can use this service?+
Any homeowner with a mortgage they can no longer sustain, with debt exceeding the value of the property, or with a drop in income that makes it unviable to keep paying. We analyse your specific case at the first consultation, which is free and carries no obligation.
How long does the process take?+
It depends on the complexity of the case and the bank's willingness to negotiate, but most processes are resolved within 3 to 9 months from the initial diagnosis to closure.
What happens if the property doesn't sell?+
We adjust the pricing and marketing strategy, and keep negotiating with the bank in parallel. We do not charge fees until your case is resolved, so our incentive is the same as yours: to close the case as soon as possible.
What is a "dación en pago" and when is it worthwhile?+
A "dación en pago" consists of handing your home back to the bank to cancel the outstanding debt, instead of continuing with a seizure process. It can be the best way out when the debt already exceeds what can be recovered by selling the property on the market. We negotiate it with the bank only when it is the option that suits you best compared with a sale.
Can I benefit from the Second Chance Act (Ley de Segunda Oportunidad)?+
The Second Chance Act (Ley de Segunda Oportunidad) allows individuals and self-employed people acting in good faith to cancel debts they cannot pay, including, in some cases, mortgage debt. It is a different mechanism from the "dación en pago" and does not always apply: in your free consultation we assess whether your situation fits and which route — negotiation with the bank, "dación en pago" or the Second Chance Act — suits you best.
Every file is handled by people, from start to finish
Your case does not go through a call centre: the Wereal team reviews it and stays with you at every step of the process.
Tell us your situation
At no cost, with no obligation and in complete confidentiality. A WeLegal specialist will call you to review your case.
Service provided by ALINEA AGB DESARROLLOS y PROYECTOS, S.L.U., based in Alicante. Data processing in accordance with the GDPR — more information in the privacy policy.