EAPB was sued – what to do and how much does it cost to get a lawyer’s help in court in a debt recovery case?

Almost every one of us has encountered microloans or credits at least once. This is a convenient way to get financial support at the right time, but sometimes returning funds becomes a difficult task. Late payments can lead to creditors transferring their rights of claim to other companies. One of the most famous such structures is the European Debt Recovery Agency (EDRA). Its main activity is to buy back problem loans through the procedure of assignment of rights of claim.

After purchasing the debt, the EDRA has the right to go to court to collect money from the debtor. And then many people ask: what to do if the EDRA was sued, and how much does legal assistance cost in such a case?

Received a lawsuit from the EAPB - do not panic

The first rule - stay calm. A statement of claim is not a verdict and does not mean that the court will automatically rule in favor of the creditor. You have all the legal opportunities to protect your rights, especially if you contact experienced lawyers in a timely manner.

Specialists of the law firm "Prikhodko and Partners" help debtors form an effective legal position. The first step will be to analyze the statement of claim, which usually contains:

• personal data of the debtor;
• type of loan or debt;
• amount of debt;
• date of occurrence of financial obligations;
• list of fines, penalties and additional payments;
• claims of the plaintiff.

By analyzing the documents, lawyers identify possible errors or illegal charges, and also check the legality of the transfer of the right of claim from the primary creditor to the EAPB. This is important, because sometimes companies do not comply with the requirements of the law when transferring debts

How to prepare a response to a claim?

After receiving a copy of the claim, you have 15 calendar days to file a response - a document containing your objections, explanations and evidence. This stage is key for defending yourself in court, especially if the case is being considered in a simplified manner without court hearings.

When preparing a response, you need to pay attention to three main aspects:

• Checking the amount of debt

Creditors often overestimate the amount of debt by adding fines and penalties that do not comply with current legislation. During martial law, for example, there is a restriction on the accrual of additional sanctions on loans to individuals.

Lawyers at Prikhodko & Partners conduct a counter-calculation, which can significantly reduce the amount declared by the EAPB.

• Checking the validity of the factoring agreement

The right of claim should be transferred only on legal grounds, with proper written notification to the debtor. If this procedure is violated, the claim can be appealed and the EAPC's claims can be declared unfounded.

• Analysis of the evidence base

The documents provided by the claimant must be admissible, reliable, relevant and sufficient. If these criteria are not met, the lawyer may question the very validity of the claim.

Why can't you ignore a lawsuit from the EAPB?

A lawsuit from the EAPB is the last step before forced debt collection. If you do not file a response or do not participate in the process, the court may make a decision without your presence. In simplified proceedings, only written materials are sufficient, so the absence of objections actually means an admission of debt.

Ignoring the lawsuit can lead to:

• seizure of accounts;
• forced collection of funds by the enforcement service;
• deterioration of credit history;
• additional costs for court fees and enforcement actions.

Only an active position and professional legal support will help to avoid these consequences.

How much does a lawyer's assistance cost in cases against the EAPB?

The cost of a lawyer's services depends on the complexity of the case, the volume of documents and the need for representation in court. On average, the price of preparing a response can range from 3,000 to 6,000 UAH, and full support of the case in court - from 8,000 UAH and above.

However, the real cost can be determined only after a preliminary consultation, during which the lawyer analyzes the situation, documents and prospects for defense.

Lawyers of the company "Prikhodko & Partners" work both offline and online, which is convenient for clients from any region of Ukraine. After the initial consultation, you will receive:

• an assessment of the chances of a positive outcome;
• a calculation of the cost of legal assistance;
• step-by-step action plan until the court makes a decision.

So, if the EAPB has filed a lawsuit, you should not delay responding. Time in such cases plays a key role. A competently drafted response, analysis of evidence and legal support can significantly reduce the amount of debt or even completely refuse to satisfy the claim.

The law company "Prikhodko & Partners" has successful experience in protecting clients in disputes with financial companies, banks and microfinance organizations. Our lawyers carefully study every detail of the case to ensure the best result.

If you have received a summons or notice of claim from the EAPB - do not delay. Contact specialists today to protect yourself from financial and legal risks.

Do you have any more questions? We look forward to a preliminary consultation in a format convenient for you (offline or online)! To calculate the cost of a lawyer's services on financial issues, fill out the form below.