Credit Documentation
Loan agreements, facility letters, and security documentation.
Surabaya · East Java · Indonesia
NPL Restructuring Surabaya — Non-Performing Loan Workout & Creditor Negotiation
Integra Law Office handles NPL restructuring in Surabaya — negotiating with creditors for term extensions, haircuts, and workout agreements. We help companies resolve non-performing loans and return to financial health.
Financial law expertise in East Java.
Surabaya's banking and financial sector serves thousands of businesses across East Java. From credit facilities to restructuring, every financial transaction requires legally sound documentation and regulatory compliance.
Integra Law Office advises banks, multifinance companies, and corporate borrowers on all aspects of financial law — from credit documentation to NPL resolution.
When you need this service.
Extending or receiving a credit facility and need comprehensive documentation.
Debtor facing enforcement actions and needing protection and restructuring options.
Wanting to execute fiduciary or mortgage security on a defaulted borrower.
Needing to restructure non-performing loans with creditors.
Financial law framework in Indonesia.
Indonesian financial law is governed by OJK regulations, Bank Indonesia regulations, and the Civil Code provisions on obligations and contracts. Financial institutions must comply with strict lending limits, risk management requirements, and reporting obligations.
How we handle financial legal matters.
We approach financial law from both sides of the table — understanding lender requirements and borrower needs. This dual perspective allows us to structure solutions that work for all parties.
Our Services
Debt Restructuring
NPL workout, creditor negotiation, and restructuring plans.
Security Enforcement
Fiduciary execution, mortgage enforcement, and asset recovery.
Banking Disputes
Litigation and arbitration for financial disputes.
Frequently Asked Questions
What is the difference between PKPU and bankruptcy?
PKPU (suspension of payments) is a restructuring mechanism where the debtor proposes a composition plan to creditors. Bankruptcy is a liquidation mechanism where assets are sold to pay creditors. PKPU is preferable when the debtor has a viable business that can recover.
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Request a consultation.
Describe your legal needs. A senior partner will respond within one business day.