Systems to support over-indebtedness

In cases where the credit institution has already initiated legal proceedings to recover the amounts owed, bank customers may resort to entities recognised by the Ministry of Justice to support them in drawing up a payment plan through negotiation, conciliation or mediation.

Adherence to a payment plan is aimed at recovering the debtor.

While complying with the payment plan, bank customers are no longer on the public list of foreclosures.

The entities currently recognised by the Ministry of Justice to provide support to over-indebted bank customers are as follows:

Over-indebtedness support system Entity Address Contacts
GAS - Gabinete de Apoio ao Sobre-endividamento
(Over-indebtedness Support Office)
DECO – Portuguese Association for Consumer Protection Headquarters:
Rua Artilharia 1, No. 79-4.º
1269-160 Lisboa
Regional delegations:
Minho, Norte, Coimbra, Santarém, Évora and Algarve
Email address:
Telephone: 21 371 02 38
GOEC - Gabinete de Orientação ao Endividamento do Consumidor (Consumer Debt Counselling Office) ISEG - Instituto Superior de Economia e Gestão Headquarters:
Rua do Quelhas, No. 6
1200-781 Lisboa
Email address:
Telephone: 21 392 59 42