Debt Relief & Advisory

Excessive debt is one of the most serious legal and emotional problems people face in Colombia today. Past-due credit cards, salary garnishments, constant collection calls, negative DataCrédito reports, and executive proceedings in court generate stress that affects work, family, and personal life. The good news is that Colombian law offers concrete tools to find a way out: Law 1564 of 2012 allows non-commercial natural persons to negotiate all their debts in a single proceeding with immediate suspension of garnishments and interest; Law 2300 of 2023 strictly limits collection phone harassment; Law 2157 of 2021 requires removal of expired negative reports; and Law 2437 of 2024 facilitates corporate reorganization through the Chambers of Commerce.

At Legal Diligence Medellín, our lawyers represent the debtor end-to-end. We are not a "call center" advisory shop: we are licensed Colombian attorneys who negotiate with creditors on your behalf, defend you in executive proceedings when needed, file habeas data tutelas, and accompany you before conciliation centers and notaries. That difference matters — a letter signed by a licensed attorney carries deterrent weight that creditors take seriously.

We work with transparent fees and, whenever possible, contingent on success. Before charging any significant fee, we explain in writing all your legal options — including the possibility of handling certain procedures yourself — so you can make an informed decision. Debt advisory should not add more stress to the client: our commitment is total clarity and measurable results.