Shakhovets Anastasia
Shakhovets Anastasia

Senior lawyer

Phone numbers
+38 (073) 007-44-54 +38 (073) 007-44-49

Lawyer in the practice of bankruptcy of individuals and individual entrepreneurs. Specializes in write-off of bank and MFI loans through the bankruptcy procedure.

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Consultation of a lawyer regarding credit debts

Consultation of a lawyer regarding credit debts

No one is safe from difficult life situations, because nowadays everything changes very quickly and you never know when you will have to use credit cards. However, the task of everyone who decided to take out a loan for themselves or their relatives is to fulfill their obligations under the contract on time. However, in practice, it sometimes becomes difficult to repay the debt due to various unforeseen circumstances. In such cases, there is an important need for knowledge of one’s rights and obligations, as well as the possible consequences of violating the terms of the credit agreement. That is why the advice of a lawyer regarding credit debts is always relevant. What we will talk about in this article.

What is a credit dispute?

Credit disputes with financial institutions are a type of dispute arising from credit agreements concluded between banks (other financial institutions) and individuals or legal entities.

The main reasons for credit disputes are:

  • Drawing up a credit agreement without the client’s knowledge. Usually, such actions are illegal on the part of the financial institution.
  • Challenging provisions of credit agreements. When signing a credit agreement, citizens do not always familiarize themselves with the provisions of such an agreement (charges of fines, penalties, penalties, various types of commissions, etc.), which leads to future appeals against its terms in judicial authorities.
  • Repeated increase in the interest rate on the part of the financial institution. If such a clause on changing the loan rate is not provided for in the contract, a dispute usually arises between the parties.
  • Incorrect calculation of interest under the contract for the use of credit funds.
  • Attempts to seize property from the debtor out of court. It is usually relevant when there is no court decision to seize the relevant property for the existing debt under the credit agreement.

Why do you need the advice of an experienced lawyer regarding credit debts?

Legal advice from a credit debt lawyer is necessary for:

  1. Basic legal analysis of the credit agreement. An experienced lawyer will help you understand the legal nuances of the credit agreement and explain to you why exactly such a debt was formed, how to repay it correctly, and whether it is possible to cancel interest under the agreement, etc.
  2. Guarantee of protection of your rights. From the moment you have a loan debt, the financial institution can use various legal and illegal methods to recover the corresponding amount of funds under the contract, but if you have a lawyer, he will explain all your rights in such a situation and ensure that they are respected when interacting with banks;
  3. A clear defense strategy. During the study of your situation, the lawyer will be able to suggest the best options for the development of events and explain what the consequences will be when choosing them.
  4. Representation of interests in court. If your case is already at the stage of consideration by the judicial authorities, then the lawyer will be able to protect your interests in court sessions.
  5. Negotiations with creditors. In order not to contact financial institutions yourself, a lawyer can do it for you, which will contribute to effective negotiations with creditors.
  6. Minimization of risks. By timely contacting professional lawyers, you minimize your risks of losing the case and ensure a guaranteed result.

If you need a lawyer’s advice regarding existing credit debts, contact the experienced specialists of the “Prykhodko and Partners” law office.

Our team has thorough knowledge in the field of financial and banking law, which allows us to provide qualified answers to all questions that will arise in the course of future cooperation. Get in touch!

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1 question

Do you have loan debts?

Yes
No

2 question

Do you need help from a loan lawyer?

Yes
No

3 question

Are you in Kyiv or Kyiv region?

Yes
No

Is it possible to go through the bankruptcy procedure if the debt is less than 180,000 UAH?

Bankruptcy can be filed regardless of the amount of debt — there are no minimum limits set by law. However, if the amount of debt is less than UAH 180,000, it is usually more advisable to agree on debt restructuring, as bankruptcy may be economically unprofitable.

If I am not in Kyiv, can I cooperate with you?

Yes, we work remotely throughout Ukraine and even with clients abroad! We have many clients from Lviv, Odessa, Dnipro, Kharkiv, Cherkasy and other settlements.

Communication is carried out in any way convenient for you.

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Bankruptcy

Agreement on the assignment of the right of claim An appeal against a court decision on debt collection Anti-collector Application for initiation of bankruptcy proceedings Assignment of the right of claim under the credit agreement Bankruptcy certificate for legal entities Bankruptcy of a legal entity Bankruptcy of a utility company Bankruptcy of an individual Bankruptcy of an individual entrepreneur Bankruptcy of individuals Certificate from the Unified Register of Enterprises in respect of which bankruptcy proceedings have been initiated Challenging the executive inscription of the notary on the loan Checking the availability of loans for an individual Collect the debt from the guarantor Consultation of a lawyer regarding credit debts Consultation on bankruptcy of an individual Corporate Bankruptcy (Company Bankruptcy) Credit debt collection Credit lawyer Credit restructuring in a bank/microfinance organization Debt cancellation Debt collection for housing and communal services Debt collection under a credit agreement Debt collection under the factoring contract Debt collection under the loan agreement Debt restructuring for housing and communal services Debt restructuring under a credit agreement Debt write-off for credit / microloans Debt write-off in bankruptcy Declaration of bankruptcy Development of a contract of assignment of the right of claim Development of a debt receipt Development of a loan agreement between individuals EBRD lending Executive proceedings for communal services Fictitious bankruptcy File for bankruptcy Financial rehabilitation and bankruptcy of enterprises Forced collection of debt Forced collection of debt under a credit agreement Gas debt restructuring How to get a certificate of bankruptcy / no bankruptcy? Individual Bankruptcy Lawyer Judicial debt restructuring outside of bankruptcy proceedings Lawyer for credits and microloans (MFI) Lawyer under Art. 200 of the Criminal Code – Illegal actions with transfer documents, payment cards and other means of access to bank accounts, electronic money Lawyer under Article 302 of the Criminal Code – Creation or maintenance of places of debauchery and solicitation Legal advice on loans Legal analysis of credit agreements Legal assistance with microcredits (MFIs) Legal support of the assignment of the right of claim Legal support of the bankruptcy procedure Liquidation of a company through bankruptcy proceedings Liquidation of a legal entity Liquidation of LLC with debts Liquidation of the company under the bankruptcy procedure Mortgage write-off under the bankruptcy procedure Obtaining a certificate of absence of bankruptcy Opening of bankruptcy proceedings Protection of creditors’ rights during the liquidation of a legal entity Protection of creditors’ rights in bankruptcy Protection of the rights of consumers of banking services Recognizing a natural person as bankrupt Removal of seizure from the account for payment of wages Removal of seizure from the debtor’s accounts Restructuring debt on a mortgage loan in foreign currency Restructuring of electricity debt Restructuring of foreign currency loan Restructuring of foreign currency loan Privatbank Restructuring of foreign currency mortgage Restructuring of heating debt Restructuring of the debtor’s debts Sanitation of the debtor in bankruptcy cases Sanitation of the enterprise Statement of claim for collection of debt for utility services Statement of claim for debt collection Statement of claim for debt collection under a credit agreement Statement on insolvency of a natural person Support of creditor in the bankruptcy procedure Support of creditors in the debt collection procedure Support of creditors in the restructuring procedure Support of the bankruptcy procedure of a legal entity Support of the bankruptcy procedure of an individual The bankruptcy procedure of an individual Voluntary liquidation of a legal entity through the bankruptcy procedure Write off a loan for a mortgage (housing) Write off a mortgage loan Write-off of accounts payable Write-off of Borgs for utility services Write-off of loan debt for the guarantor