Financial Law - Comprehensive Legal Assistance for Businesses and Individuals in the Area of Finance

• Loan Agreements and Mortgages: I will assist you with the preparation and review of loan agreements, including negotiating favorable terms for businesses and individuals.
• Consumer Credits: If you decide to take out a consumer loan, I offer legal advice to help you avoid issues that could affect your financial stability.
• Consumer Protection: Were you offered unfavorable or invalid contract terms? I will protect your rights when dealing with a lender and ensure the contract complies with the law. I also represent clients in related court proceedings.
• Advice on Refinancing: If you are considering refinancing or renegotiating the terms of an existing loan, I can help you secure better contractual terms.
• Loan Prepayment: If you decide to repay your loan early, I will guide you through the legal consequences and ensure you avoid unnecessary penalties or fees.
• Repayment Difficulties: If you are having trouble with loan repayment, I will help you find a solution, such as extending the repayment period or negotiating with the creditor. In case of an enforcement or debt recovery, I will provide legal protection for your interests.
• Proceedings before the Financial Arbitrator: This body resolves disputes between consumers and financial institutions, e.g. regarding unsatisfactory loan conditions or issues with insurance contracts. I am ready to guide you through the entire process, from analyzing your case to representing you during hearings before the financial arbitrator.

• Insurance Contract Advisory: I will help you select suitable insurance for your business or personal needs and ensure the contracts are favorable and legally indisputable.
• Enforcement of Insurance Claims: If you encounter problems with an insurance company when filing a claim, I will provide legal representation and help you achieve fair compensation.
• Legal Review of Insurance Terms: I conduct detailed analyses of insurance contracts and terms to ensure your rights are protected.

Tax Returns and Obligations

In the field of tax law, you will inevitably face the obligation to file tax returns, whether for individual income tax, corporate tax, VAT, or other specific taxes. Proper tax planning is the basis for ensuring long-term financial stability:

• Tax Optimization: I offer legal advice on tax planning to help you take advantage of all available legal means to reduce your tax burden.
• International Tax Advisory: If you do business abroad or have international income, I will help you deal with international taxation matters.

Tax Audits

Every entity may be subject to a tax audit by the tax authorities. I can assist you in these situations:

• Preparation for Tax Audits: I provide legal advice on preparing for tax audits to ensure your tax matters are compliant with the law.
• Representation during Audits: If a tax audit is underway, I will represent you, negotiate with the tax authorities, and protect your interests.

Disputes with the Tax Authorities

If you encounter issues with your tax assessment or the tax authorities accuse you of errors in your tax return, I will help resolve disputes:

• Corrections of Tax Returns: If errors occur in your tax return, I will advise you on the correction process and minimize potential penalties.
• Defence Against Tax Sanctions: If you find yourself in a dispute with the tax authorities regarding the amount of tax or fines, I will assist in defending your position and seeking relief from tax penalties.
• Appeals and Objections: If the tax authorities issue an unlawful decision, I will assist you in preparing an appeal, objection, or lawsuit to protect your rights.
• Administrative Lawsuits: I offer legal representation in administrative court proceedings, where I will defend your interests against the tax authority's decisions. I will help you effectively challenge unlawful actions by the tax authority and ensure your rights are protected.

VAT (Value Added Tax)

VAT is a complex area of tax law, where various issues may arise, particularly for entrepreneurs:

• VAT Registration and Compliance: I will help you understand when VAT registration is required and the obligations that come with it.
• Cross-border VAT Issues: I will advise you on how to handle VAT when trading with foreign partners and how to avoid mistakes in your tax return.
• Withholding of Excess VAT Refund: I will help you ensure the swift reimbursement of excess VAT refunds if it is subject to audit.

Advisory for Exporters and Importers

• Trade Within the EU: I will advise you on how to correctly use the rules of the EU internal market and avoid issues with customs authorities when trading between member states.
• Trade Outside the EU: I provide comprehensive advice for businesses engaged in international trade. I will help you optimize customs processes and ensure compliance with customs regulations.

Customs Audits and Inspections

If a customs audit or inspection occurs, it is important to know how to proceed correctly:

• Preparation for Customs Inspection: I offer advice on preparing for customs inspections to ensure your documentation is in order and you avoid penalties.
• Representation during Customs Inspections: If a customs inspection takes place, I can represent you and act on behalf of your company with customs authorities.

Customs Penalties and Sanctions

If customs regulations are violated, fines or other sanctions may be imposed:

• Negotiation with Customs Authorities: In the event of a dispute with customs authorities, I will provide legal representation and assist in resolving the situation.
• Legal Defence Against Customs Fines: If you believe you have been unlawfully imposed penalties by customs, I will help challenge the fine and negotiate lower penalties.

Grant Application

A successful grant application requires not only correct completion but also detailed knowledge of the conditions of the specific subsidy program:

• Review of Application and Preparation: I will ensure the correct completion of your grant application and all necessary documentation to increase your chances of success. I provide advice on how to submit a grant application that best meets the requirements of the granting body.

Audit of Grant Utilization

When utilizing grant funds, it is necessary to carefully monitor whether the project meets all the conditions and rules of the program:

• Grant Compliance Issues: If uncertainties or disputes arise regarding the use of grant funds, I will assist in resolving the problems and negotiating with the relevant authorities.
• Representation During Inspections: In the case of audits on the use of subsidy funds, I am ready to provide legal representation and protect your interests.

Grant Disputes and Sanctions

In case of a dispute or potential penalty for improper use of a grant, I can offer you legal help in defending your rights:

• Dispute Representation: I will assist you in proceedings arising from adverse grant decisions.
• Defense Against Grant Repayment Claims: If you have been asked to return funds, I will ensure legal protection and help defend your project legitimacy.