A new debt settlement option towards the State is now available, giving debtors the ability to repay specific debts to AADE and EFKA in up to 72 instalments .

The platform for submitting applications has already opened, while this particular arrangement is extraordinary in nature and concerns debts that had been certified by 31 December 2023 .

This option will not remain available indefinitely, as applications are expected to be completed by the end of 2026 . For this reason, those with older debts to the State should assess in good time whether they meet the inclusion criteria.

Which debts can be included in the 72 instalments?

The extraordinary arrangement concerns specific debts to the State and, in particular, debts to:

  • AADE
  • EFKA
  • The basic condition is that these debts must have been certified by 31/12/2023 .

By contrast, the 72-instalment arrangement does not concern debts to banks or bank loans , as its scope is limited to debts to AADE and EFKA.

What does the 72-instalment arrangement offer?

The ability to repay eligible debts in up to 72 instalments can significantly ease the management of older debts and allow debtors to organise their financial obligations better.

Particularly for businesses and professionals with accumulated obligations to AADE or EFKA, joining an arrangement can help shape a more manageable repayment plan.

However, each case needs to be examined individually, as before submitting the application it must be established whether the specific debts meet the conditions of the arrangement.

When does the deadline for the 72 instalments expire?

The application platform is already open , while applications for the extraordinary arrangement are expected to be possible until the end of 2026 .

As this is an extraordinary rather than a permanent arrangement , interested parties should not assume that this option will remain available after the prescribed deadline has expired.

Timely assessment of eligibility allows the debtor to know whether they can make use of the arrangement and to proceed in good time with the necessary steps.

Debt settlement with the support of AFS

Proper management of an arrangement is not limited simply to submitting an application. It first requires a check of the debts and the conditions for inclusion , so as to determine whether this option can be used in each case.

AFS – Athens Financial Services can handle the process on your behalf, from checking the debts and the possibility of inclusion in the arrangement to preparing and submitting the application .

If you have debts to AADE or EFKA that were certified by 31/12/2023 , complete the contact form and a specialised AFS associate will contact you in order to review your case and inform you of the next steps.

Alternatively, you may contact our team directly:

📞 210 8317 702 📧 info@afs.gr