Can anyone recommend a local lawyer (Almería) experienced in dealing with Dación en pago? Advice?

Hi everyone,

I would really appreciate it if anyone knows a lawyer with experience of dación en pago. I think my chances of success would be much greater with some legal backing.

Thanks

RinTinTin

For any who wish to give advice. I bought an apartment 3 years ago, valued at the time at 192,000€, paid 150,000€ all on mortgage and have about 146,000€ left to pay off (early period of interest only etc) and I really can't see a way out of this other than bank reposession or dación en pago with the latter being preferable as it will relieve me of 100% of the debt, whereas repossesion may not. I am still young enough to benefit from the rentals scheme of the Spanish government and could go from paying out 8/900€ a month to 250€ a month. Some difference!

Also does anyone know if it's possible to do partial dación en pago? So give the apartment to the bank and keep a loan of a certain amount (what they may potentially view as the difference between accepting or not).