People in Need: Automation of Legal Documents Significantly Accelerated Debt Counseling
More than 80 debt advisors were creating documents manually, resulting in inconsistent quality and error rates. The goal was to standardize the process, speed up document creation, and ensure that new court rulings and legislative changes were immediately reflected in practice.
reduction in time required to create a document
consistency of legal documents across all advisors
full project delivery thanks to the low-code approach
Challenge
Inefficient and Inconsistent Creation of Legal Documents
Debt counseling at People in Need is delivered by a team of more than 80 advisors. Each advisor was working with their own documents, templates, and supporting materials, which led to:
- Inconsistent quality of legal documents
- Slow implementation of legislative and case law changes
- High time demands
- Errors caused by manual copy-paste
- Data that was very complex, almost impossible, to work with
The organization needed a solution to standardize the legal document creation process and enable centralized management of all legal resources.
Solution
Low-Code Platform for Automated Document Creation
Adastra implemented a solution built on Microsoft Power Apps and Power Automate, based on three pillars:
Centralized Database
A structured database containing all legal materials and a unified library of legal texts mapped to specific creditors and types of issues. This enables management and updates of all legal arguments in one place.
User Application for Advisors
Advisors fill in basic client and contract information (20 fields), identify issues such as excessive interest rates, legal violations, or insufficient creditworthiness assessment, and generate complete, ready-to-use legal documentation with a single click.
Automated Document Generator
The application uses parameterized templates for various scenarios (e.g., overpayment, underpayment, settlement) and automatically:
- Selects relevant legal arguments based on the creditor type and issue
- Generates conclusions based on the client’s financial situation
- Creates different types of documents, from overpayment refund requests and repayment schedules to debt settlement or termination documents
A key advantage is immediate updates: new court rulings and legislative changes are automatically reflected in all newly generated documents.
Impact
Faster, Higher-Quality, Data-Driven Debt Counseling
Operational Efficiency
- 75% time savings in document creation
- Immediate incorporation of new court rulings and legislative changes in all documents
- Unified process across all advisors
Quality and Accuracy
- Elimination of errors caused by manual text copy=paste
- Standardized document quality regardless of advisor experience
Analytical Capabilities
- Centralized database enabling analysis of creditor behaviour based on thousands of cases
- Data utilization in the Responsible Lending Index
- Robust data supporting effective advocacy for legislative changes
Fast Return on Investment
- Project delivered in 60 MD
- Immediate time savings for more than 80 advisors from day one of operation
