We shake hands online with consumers and banks! Declaring the state of emergency because of COVID-19 pandemic, doesn’t affect ABDRC activity! You can fill-in and send your applications to negotiate with the banks/NFI directly through the online app available on www.csalb.ro. A consumer from Cluj contracted a credit with mortgage in 2008. He contacted ABDRC through his lawyer. The negotiations between the consumer and the bank were intermediated by the conciliator via phone and email.