«Changing stereotypes that big loans are the end!»
Lawyer
Lawyer in the practice of bankruptcy of individuals and individual entrepreneurs. Specializes in write-off of bank and MFI loans through the bankruptcy procedure.
Case: The account that was seized by the executive service was unblocked
Service: Unlocking the salary account
The client, an individual, contacted our company with a problem, namely a blocked account. The reason for the arrest was enforcement proceedings based on the loan debt.
From May 6, 2023, Law No. 3048-IX, which amends some legislative acts of Ukraine, is in effect. These changes relate to the specifics of enforcement of court decisions and decisions of other state authorities during martial law in the country. Individuals whose accounts have been seized by state enforcement agencies or private executors have the right to withdraw funds from them within a month within the limits of double the minimum salary, regardless of the existence of debt and its amount. So, since the client did not have the opportunity to pay the loan, we offered him such a variant of the development of events, which suited him and we began our work.
Actions of our lawyers:
- Analysis of documents.
- The State Enforcement Service (SES) was contacted to obtain information about the enforcement proceedings.
- Made a statement on behalf of the Client to determine the current account for spending transactions.
Performer actions:
- After receiving the application, the executor issues a decision on determining the account for expenditure transactions.
- The resolution specifies the account number and name of the bank, the unblocked amount (up to UAH 16,000), as well as the rest of the amount that remains under arrest (if any) remains under arrest and is debited to repay the debt.
Implementation of the resolution by the bank:
- After receiving the resolution, the bank is obliged to implement it.
- This means that UAH 16,000 will be unblocked from the debtor’s account in order of priority, and the rest of the amount (if any) will remain under arrest and will be written off for repayment of the debt.
We went through all these stages together with the client, controlling all actions until we achieved our result.
As a result, we received a resolution on determining the current account of an individual – the debtor in the bank for spending transactions and unblocking the account.
Photo of the result:
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