Mortgage arrears
Management of mortgage enforcement proceedings, residual debt recovery and repossession. Support across all phases, from initial case analysis through debt recovery or asset adjudication and vacant possession.
How we work
Our methodology for this service
Mortgage file analysis
We review the mortgage deed, the land registry status of the property, the payment record and the debtor's background to correctly scope the enforcement strategy.
Initiating and driving enforcement
We file the mortgage enforcement claim and drive the proceedings with particular attention to payment demand deadlines, auction procedures and the specific issues arising in this type of case.
Auction management and adjudication
We manage the property auction phase, adjudication to the creditor in the event of an uncontested auction, and the notarial and registry procedures to register the asset in the buyer's name.
Recovery of residual debt balance
If the adjudication does not cover the full credit, we manage recovery of the residual debt from the debtor through ordinary or payment order proceedings, complementing total credit recovery.
Who this is for
Banks and mortgage servicers with portfolios of mortgage loans in advanced arrears. Also funds that have acquired distressed mortgage credits and need efficient procedural management to maximise the return on their investments.
Discover more by sector
Why MES Legal?
- Specialist lawyers with proven expertise in each practice area
- Offices in Barcelona and Madrid with national coverage throughout Spain
- Results-oriented, practical approach with clear risk management
- Direct professional relationship — no large-firm layers or intermediaries
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