Legal services

Credit Contract Disputes

Disputes arising from loan agreements, guarantees, collateral, and bank credit facilities.

Credit contracts, mortgages, and guarantees create high stakes when a business or borrower falls behind. Banks move on collateral; guarantors may face personal liability.

We analyze loan and security documents, challenge improper amounts or procedure where warranted, and negotiate restructuring or defend in court.

Illustrative situations follow. Bring your credit contract and bank notices when you contact VANCATAN.

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Typical situations

Credit Contract Disputes

Anonymized examples for orientation — not guarantees or predictions for your case. Laws may change; call our lawyers for advice on your documents.

Mortgage enforcement after business downturn

The situation

A business fell behind on a bank loan secured by the family home. The bank accelerated the debt and prepared enforcement. The owners needed time to sell assets or restructure without losing the house overnight.

How we approach it

We reviewed the credit contract, security documents, notices, and interest calculations; identified negotiation levers; and engaged the bank on a restructuring or orderly sale plan while preserving lawful defenses if numbers or procedure were flawed.

Possible outcome

The bank agreed to a short restructuring window with a partial catch-up payment. The family sold a non-essential asset and stabilized the loan without immediate auction of the home.

Guarantor asked to pay the full corporate loan

The situation

A director had signed as guarantor for a company loan. When the company defaulted, the bank pursued the guarantor personally for the full balance. The guarantor believed their liability was limited or secondary.

How we approach it

We analyzed the guarantee clauses, scope, and whether the bank followed notice and enforcement steps. We negotiated contribution from the company/other obligors and challenged amounts that exceeded the signed guarantee or improper interest.

Possible outcome

Liability was narrowed through negotiation to a documented settlement amount with a payment plan, instead of immediate full enforcement against all personal assets.

Interest and penalty figures do not match the contract

The situation

A borrower received a final demand far higher than their own amortization table. The bank insisted on compound penalties. The gap blocked any realistic restructuring talk.

How we approach it

We recalculated interest and penalties against the signed credit contract and regulations, listed disputed line items, and opened talks on a corrected balance before enforcement.

Possible outcome

The bank adjusted several penalty items in writing. Restructuring became possible on a clearer, lower figure.

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