Termination of collection of funds from the account of a serviceman performing the duty of national defense

When martial law was introduced in Ukraine, later legislators saw a number of problems that needed to be adequately resolved. Among them is, among other things, the issue of recovering funds from the account of the military defending the country. It is quite logical that in such a difficult period, military personnel should not think about loans, but should concentrate on protecting the Motherland. That is why the Verkhovna Rada adopted current changes, in accordance with which some norms of the Law of Ukraine "On Consumer Credit" were transformed. The changes affected precisely those rules that regulate the collection of overdue debts.

What is the new law about?

The law says that banks, as well as non-banking institutions and collectors, are prohibited from collecting overdue debts from the military for a period of martial law or a state of emergency.

So, which military cannot be charged with overdue debts, if we appeal to the new version of the law "On Consumer Credit"? These categories include:

• military personnel serving on the territory of Ukraine;
• the military, who received a disability due to a disease associated with the passage of service;
• members of military families who have died, died or are considered missing;
• persons in captivity;
• persons with whom contact has been lost.

The initiator of such changes in legislation was the National Bank of Ukraine. The NBU Consumer Rights Protection Authority itself proved to the Verkhovna Rada the need for such changes. Moreover, a high-quality mechanism for protecting military personnel from communication with collectors is provided. Documents and certificates of the military should now be written in such a way that loan providers do not have information about the whereabouts of the military personnel themselves and the units where they serve. The initiators of these legislative changes, therefore, took care of the protection of the personal data of military personnel, as well as the protection of their families.

Of course, all of the above does not mean that debts will not need to be paid at all.

We are talking about the fact that the military could pay them when conditions are calmer. Representatives of the regulator emphasize that this is the support that defenders need today. At the same time, in cooperation with the Ministry of Defense, an information campaign “Know your rights. Credits. This is aimed at ensuring that military personnel can better navigate issues that are relevant to them.

However, for those who want to understand their situation in more detail, one should contact individual counseling with lawyers specializing in such topics. You can find such specialists at Prikhodko & Partners.

Is child support charged to a soldier?

This question is no less relevant than about loans. However, the answer here is yes. Alimony is indeed collected, and this happens not only at the expense of wages, but also at the expense of the so-called combat. The only payments not included in this list are payments that are not of a permanent nature.

If you want to know about this issue, we will also be happy to advise and help you navigate. The consultation can take place both in the office and by video call, telephone or even in writing if you are in an environment in which it is inconvenient to talk.

What else has changed in the legislation

In addition to the above changes, some transformations have also entered into the law "On Enforcement Proceedings". It also contains some new provisions that are relevant during martial law. Our experts are ready to answer your questions. We work not only in the format of consulting, but also provide full support for requests, including in court. So get in touch. You will receive answers to questions and assistance in protecting your own rights and interests.

We will apply all our professional knowledge and experience so that you feel secure and know that no stress factors will distract you from important tasks in military service.