We detect abusive interest rates, reduce your debt, and claim what you're owed clearly and securely.
We review your contract, APR, and terms to detect potential usury or lack of transparency. We explain your options and the potential savings you could achieve.
We recalculate your debt, negotiate a payment reduction, and seek out-of-court settlements with your bank to reduce your monthly payments.
If usury or a lack of information is proven, we request the cancellation of undue clauses, interest, and fees, in addition to the return of any overcharged amounts.
Cases involving abusive interest rates, usury, bank claims, and lack of transparency. Examples: revolving credit card lawyer, abusive interest rate lawyer, revolving credit card law firm, consumer credit lawyer.
Help with canceling or refinancing revolving credit debt, negotiating with the bank, and reducing interest or payments. Examples: canceling revolving credit card debt, reducing debt, recalculating debt, and reaching an out-of-court settlement.
We challenge contracts for usury or lack of transparency. We manage the cancellation of abusive clauses and the return of improperly charged interest.
Judicial and extrajudicial claims, lawsuits for abusive interest rates, bank mediation, consumer arbitration, and specialized legal advice to protect your financial rights.
We claim full or partial reimbursement of abusive interest and fees. Examples: recovering abusive interest, repaying revolving credit card interest, claiming interest reimbursement.
Complementary legal advice for financial, banking, and consumer cases, offering customized solutions and effective strategies tailored to each client's specific situation.
We analyze your contract, the TIN/APR, and the evolution of your debt.
We submit a formal claim with a proposal: nullity, recalculation, or refund of amounts.
We seek out-of-court settlements that reduce time and costs.
We file the claim and accompany you throughout the entire process.
To analyze your case we need, if you have them:
Your initial consultation is free and without obligation.
A credit card with deferred payment through fixed installments. It usually has very high APRs and can generate debt that barely pays off.
When there is usury or lack of transparency in the contract.
Reduce or eliminate debt, lower payments, and recover improperly charged interest.
Contract, statements, and amortization schedule. If these are missing, Bo2Lex Abogados will request them from the bank for you.
The out-of-court route is usually faster; the time it takes to file a lawsuit depends on the court and the entity.
Clear, written fees before you start. No surprises or fine print.