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Revolving credit cards are marketed under the promise of quick and flexible financing, but in mathematical reality they are designed to create a perpetual debt spiral. If you have been paying a monthly installment for years and notice that the principal balance is not decreasing, you are the victim of abusive interest rates. As your revolving credit card attorney in Málaga, at Orozco y Asociados we pursue judicial claims to declare the contract null and void, cancel your debt, and compel the financial institution to return every euro overcharged.
The mechanism of a revolving credit card allows you to defer payment of your purchases through a very low fixed installment. However, this structure conceals two serious legal violations that our specialist attorneys challenge in court:
As attorneys specializing in credit cards, our primary objective is not to renegotiate your debt, but to eliminate it entirely. The claims process against the financial institution seeks a binding judgment declaring the radical nullity of the contract.
The legal consequences of this nullity are immediate:
Standing up to major financial institutions requires relentless legal defense. Our law firm in Málaga has extensive experience in the field of banking law. We are not only specialists in revolving credit card claims (Wizink, Carrefour Pass, Cetelem, Cofidis, etc.), but we also audit your entire financial portfolio to identify additional abusive clauses, such as the recovery of mortgage arrangement fees.
If the burden of these loans has compromised your financial stability, our experts in commercial law can apply the mechanisms of the Second Chance Law to permanently discharge your debts.
Our attorneys offer in-person legal advice in Málaga, Marbella, and throughout the Costa del Sol. We understand that financial problems affect every aspect of your life, which is why our law firm provides comprehensive support that extends into family law (when debt impacts divorce or inheritance matters), criminal law (in cases of debt collection harassment), and employment law.
To claim back the interest on your card, do not hesitate to contact our team. We will analyze the terms of your contract and offer you the best options to recover your money.
We will assess the viability of your case with complete transparency. Make the institution return every euro it overcharged you.