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The analysis is only as good as its data. Before anything else (step N1), we collect:

  • income tax assessments of recent years,
  • salary or pension statements,
  • bank account statements,
  • a statement of debts and any arrangements,
  • leases, loans and other fixed obligations.

Which documents a procedure finally requires is set by the rules in force; this list is the starting point of the analysis, not legal guidance.

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