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Specialist in bankruptcy of individuals and legal entities. Provides legal support in bankruptcy procedures for individuals, private limited liability companies, legal entities, as well as closing executive proceedings, concluding restructuring and settlement agreements with financial institutions

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Debt restructuring for housing and communal services

Debt restructuring for housing and communal services

Life is dynamic, and it is not always possible to pay all the bills on time. Housing debt can accumulate for various reasons: job loss, seasonal income fluctuations, unforeseen expenses. Despite the circumstances, do not despair. Housing debt restructuring is a legal and effective tool that will help you overcome financial difficulties.

What is debt restructuring?

Debt restructuring is a debt settlement process that involves making changes to the terms of its repayment. This may include:

  • Extending the payment term: breaking down the total amount of debt into smaller payments over a longer period.
  • Lower Payment: Setting a new monthly payment that is more affordable for you.
  • Deferral of payments: temporary suspension of the accrual of penalties and fines for the time of restructuring.

Фото-"Реструктуризація

Advantages of debt restructuring for housing

Restructuring debt for housing and communal services (ZhKP) can be a lifeline for people who find themselves in a difficult financial situation and cannot pay the accumulated debts. This legal mechanism offers a number of significant advantages that make it a profitable and practical solution:

  1. Reduction of financial burden. Instead of paying off the entire amount of debt at once, you can break it up into smaller, more affordable payments that fit your budget. This eases the financial burden and makes debt repayment more realistic.
  2. Protection of credit history. Paying off housing debt as part of a restructuring agreement will help you maintain a positive credit history. This is important, because the possibility of obtaining credits, loans and other financial services in the future depends on your credit history.
  3. Legal validity. A debt restructuring agreement is a legal document that is binding and protects your rights. This ensures that the terms of the restructuring are clearly defined and adhered to by both parties.
  4. Control over the situation. Restructuring gives you the opportunity to take control of your financial situation and independently determine the schedule and amount of payments. This allows you to plan your budget and gradually get out of debt.
  5. Avoidance of fines and penalties. Within the framework of the restructuring agreement, there may be provisions on the postponement of penalties and fines for the duration of the restructuring. This will help you save money and reduce your total debt.
  6. Preservation of access to housing. Even during restructuring, you retain access to all the necessary housing. This means that you will be able to use water, electricity, gas and other utilities without restrictions.
  7. An opportunity to improve the financial situation. Debt restructuring can be an incentive to improve your financial situation. You can start planning your budget more economically, look for additional sources of income and take steps to prevent new debts in the future.
    Peace of mind and confidence in the future. Solving the housing debt problem will give you peace of mind and confidence in the future. You will know that you have a clear plan of action and will be able to overcome this difficulty.

If necessary, you can turn to our lawyer for help, who will help you understand the intricacies of the legislation, correctly draw up documents and represent your interests in negotiations with the utility company.

Remember: debt restructuring is not just a payment delay, but an opportunity to find a legal and profitable solution to overcome financial difficulties. Consult our specialist to learn more about this procedure and get help in solving your problem.

Why is it important to consult a lawyer?

Independent settlement of housing debt can be a difficult process. A lawyer will help you:

  1. Understand your rights and responsibilities: a specialist will explain the legislation on housing debt restructuring and advise you on your rights and responsibilities.
  2. Gather the necessary documents: the lawyer will help you gather all the necessary documents for the execution of the restructuring agreement.
  3. Negotiate with the supplier company: the lawyer will represent your interests in the negotiations with the housing supplier company and will help you achieve favorable restructuring terms.
  4. Protect your interests: our experienced expert will closely monitor compliance with your rights and the legality of the restructuring procedure.

Фото-Реструктуризація

Our law firm “Prykhodko and Partners” has many years of experience in successfully solving issues related to the restructuring of housing debts. We will carefully consider your situation and select the optimal debt restructuring strategy.

If you need a consultation or if you want to know the cost of debt restructuring for housing and communal services – fill out the form below.

Calculate the cost of services

1 question

Are you interested in debt restructuring for housing and communal services?

Yes
No

2 question

The amount of the debt exceeds UAH 180,000?

Yes
No

3 question

Are you in Kyiv?

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