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Modern life is inextricably linked with the need to open bank accounts to receive various types of payments, including wages and business profits. After opening an account, a person receives a bank card and can withdraw money. But sometimes situations may arise when your accounts become inaccessible due to various circumstances, such as the blocking of accounts by the enforcement service.
The State Executive Service is a part of the Ministry of Justice of Ukraine, which is responsible for the execution of decisions of courts and other bodies in accordance with the law. Its main task is to ensure timely, complete and enforced execution of decisions established by law.
In what cases can the executive service block accounts?
If the enforcement service has blocked your card, it means that you have a debt that you have not paid. This debt can be related to non-payment of alimony, fines, taxes or other debts. The account may be blocked after the decision is made by the executive service and the bank is informed of this decision. After that, you will be sent an account seizure notice and your accounts will be blocked.
What steps must be taken to unblock a card or account?
To unlock the card, two issues must be resolved: pay the debt or agree on its restructuring with the debt collector. If it is not possible to pay in full, it is possible to apply to the enforcement service for a postponement or payment in installments. If you believe that the seizure was imposed illegally, you can file a lawsuit to cancel the seizure.
Here are some steps you can take if the enforcement agency has blocked your card:
- Find out the reason for the arrest. You can contact the enforcement service or the bank to find out why the seizure was imposed.
- Pay the debt. If you can pay the debt in full, then this is the easiest way to unblock the card.
- Agree with the debt collector on debt restructuring. If you cannot pay the debt in full, then you can contact the debt collector with a proposal for debt restructuring.
- Contact the enforcement service with a request for a delay or installment payment. If you cannot agree with the debt collector on restructuring the debt, then you can apply to the enforcement service for a delay or installment payment.
- Go to court with a claim to cancel the arrest. If you believe that the seizure was imposed illegally, you can apply to the court for the cancellation of the seizure.
If you are not sure what to do, it is better to seek legal help from qualified lawyers at the company “Prykhodko and Partners”.
Here are some additional tips that can help you unlock your card:
- Save all documents related to the debt. You may need these documents if you go to court.
- Be polite and businesslike in communication with the executive service and the bank. This will help you get a positive result.
- Do not ignore enforcement proceedings. If you do not take any action, your other assets, such as a car or apartment, may be seized.
Martial law has been introduced in Ukraine, which is accompanied by certain features. Individuals with foreclosed debts have limited access to their current accounts. This amount cannot exceed two minimum wages and they can still pay taxes and fees. As for legal entities and self-employed individuals who are also subject to a seizure, they can only use the money in their accounts to pay salaries and pay taxes. The amount for payment of wages should not exceed five minimum wages per month for each employee.
In order to quickly and effectively remove the seizure from the account in Ukraine, contact the specialized lawyer of the company “Prykhodko and Partners”. Time is the most important thing in solving a case. Lawyers will help you with unblocking accounts and litigation related to debt, credit and fraud.