Debt recovery european creditors Napoli

My name is Liliana L'Aurora, a Lawyer registered with the Bar Association of Latina. I have focused my activities on business distress law and over-indebtedness, in compliance with the Business Distress Code. Crisis Manager in over-indebtedness procedures and insolvency proceedings. I am also registered with the Register of Crisis Managers and the OCC at the Bar Association of Latina.

During my career, I have acquired experience at the De Felice Law Firm, dealing with bankruptcy proceedings and real estate sales. I offer legal support in the following areas: commercial law, debt recovery, family law, civil liability.

Graduated in Law from La Sapienza University in Rome, I continue to participate in advanced courses and seminars on business distress and the Business Distress Code.

I provide remote legal assistance throughout Italy, using technologies that allow for secure distance consultation.

• Does the law firm handle legal matters related to Napoli?
  • The firm provides specialised legal counsel on matters involving Napoli and the surrounding territory — irrespective of the client's place of residence.
  • From property disputes to local regulations, employment law to family matters: should a case be connected to Napoli or neighbouring municipalities such as Casavatore, Calvizzano, Cercola, the firm is available to assist.
  • Consultations are conducted remotely via video call or telephone, without the need to attend the office in person.
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• Can legal assistance be obtained for a matter involving Napoli without residing there?
  • The firm handles legal matters connected to the territory of Napoli and surrounding municipalities, regardless of where the client is based.
  • Cases involving local real estate, commercial activities, contracts, inheritance and disputes tied to the following areas are fully covered: Casavatore, Calvizzano, Cercola, Massa di Somma, San Sebastiano al Vesuvio, Volla, San Giorgio a Cremano, Casandrino, Pollena Trocchia, Mugnano di Napoli.
  • The firm is available to provide qualified legal assistance tailored to each specific situation.
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• Does the firm provide legal assistance for over-indebtedness and debt crisis procedures connected to Napoli?
  • The firm offers specialised legal assistance for over-indebtedness procedures under Italian Law No. 3/2012 and the Business Crisis Code (D.Lgs. 14/2019), assisting both private individuals and sole traders connected to the Napoli area.
  • Available procedures include the debt restructuring plan, the consumer arrangement, and the controlled liquidation of assets — instruments designed to provide a lawful and structured resolution to situations of financial distress.
  • Clients residing in or holding assets within Casavatore, Calvizzano, Cercola, Massa di Somma, San Sebastiano al Vesuvio, Volla, San Giorgio a Cremano, Casandrino, Pollena Trocchia, Mugnano di Napoli and surrounding municipalities may access these procedures with the support of the firm.
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INTERNATIONAL CLIENTS REQUIRING DEBT RECOVERY ASSISTANCE IN NAPOLI

• Enforcing a foreign judgment against a debtor in Napoli
  • A creditor holding a judgment from a US, UK, or German court seeking enforcement against assets of a debtor located in Napoli must obtain recognition of the foreign judgment under Italian law. Within the EU, Regulation 1215/2012 provides a streamlined procedure; for non-EU judgments, the exequatur process before the Court of Appeal applies. The firm assists throughout the enforcement procedure, from recognition to asset identification and seizure proceedings in Napoli, with the aim of supporting the effective realisation of the creditor's rights.
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• B2B cross-border debt recovery in Napoli for European creditors
  • European businesses owed debts by Italian companies or individuals based in Napoli may utilise the European Payment Order procedure or the European Small Claims Procedure for claims under €5,000. For larger sums, the firm initiates Italian monitorio proceedings before the competent court of Napoli, obtaining an enforceable decree within expedited timelines. The firm coordinates with the client's domestic legal advisors to ensure seamless cross-border execution.
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• Asset seizure and enforcement proceedings in Napoli
  • Where an Italian debtor in Napoli fails to satisfy a payment obligation, the creditor may pursue enforcement through seizure of real property, bank accounts, receivables, or movable assets. The firm conducts preliminary asset investigations within the province of Napoli, files the appropriate enforcement applications before the enforcement judge, and manages the procedure through to satisfaction of the creditor's claim. Strategic choices regarding the type of seizure can materially affect recovery timelines and outcomes.
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• Collecting Italian debts owed to US and Canadian creditors — Napoli
  • US and Canadian creditors — whether individuals owed rental income, purchase price instalments, or businesses with outstanding commercial receivables — require Italian legal representation to recover sums owed by debtors in Napoli. The firm obtains injunctive payment orders, pursues enforcement against identified assets, and, where the debtor's conduct warrants it, files criminal complaints for fraudulent insolvency. The firm communicates with North American clients in English and operates entirely on their behalf within the Italian judicial system.
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• Insolvency proceedings and creditor protection in Napoli
  • When a debtor in Napoli enters insolvency proceedings, the creditor must file a timely proof of claim to participate in the distribution of the debtor's estate. The firm monitors insolvency filings affecting debtors in Napoli, advises on the ranking of claims — privileged, secured, or unsecured — and represents the creditor's interests in the verification hearings and throughout the insolvency procedure, working to support the best possible recovery within the constraints of the collective proceeding.
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FREQUENTLY ASKED QUESTIONS FROM INTERNATIONAL CLIENTS IN NAPOLI

• Can a foreign creditor enforce a debt against an Italian debtor in Napoli?
  • Yes. Foreign creditors can pursue debt recovery in Napoli through Italian monitorio proceedings or by seeking recognition and enforcement of a foreign judgment. EU creditors may utilise the European Payment Order for a streamlined procedure. The firm manages the entire enforcement process on behalf of the foreign creditor.
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• How long does debt recovery take through the Italian courts in Napoli?
  • An uncontested monitorio proceeding typically yields an enforceable payment decree within forty to sixty days. If the debtor opposes, the proceeding converts to ordinary litigation, which may take twelve to thirty-six months depending on the court's workload. Enforcement of the decree against the debtor's assets is a separate procedure with its own timeline.
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• What assets can be seized from a debtor in Napoli?
  • Italian law permits the seizure of real property, bank accounts, receivables, salary (within limits), movable assets, and shares. Certain assets are exempt from seizure, including essential household items and minimum subsistence amounts. The firm conducts preliminary asset investigations to identify the most effective enforcement strategy.
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• What happens if the debtor in Napoli has no seizable assets?
  • If the debtor is judgment-proof in the short term, the firm advises on monitoring strategies to detect future asset acquisitions, the possibility of filing criminal complaints for fraudulent asset concealment, and the option of initiating insolvency proceedings to access potential clawback actions against prior dispositions.
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