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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Write off a loan for a mortgage (housing)

Write off a loan for a mortgage (housing)

A mortgage is an opportunity to realize the dream of owning a home. However, life does not always correspond to our plans. Sometimes there are difficult life circumstances that make it impossible to pay off a mortgage loan.

What difficulties and why sometimes arise with mortgage loans?

Life is full of surprises that can make it impossible to pay off your mortgage.

Here are some of the most common reasons for mortgage loan problems:

  1. Loss of working capacity. Injuries, chronic diseases, disability can deprive you of the opportunity to work and repay the loan.
  2. Decrease in income. Economic crises, job loss, and salary cuts make loan repayment an unbearable burden.
  3. Death of loved ones. The loss of the breadwinner of the family can lead to the impossibility of fulfilling the loan obligations.
  4. Increasing the family. The birth of children and increased expenses make it difficult to repay the loan.
  5. Bank fraud. Illegal actions on the part of the banking institution can lead to an unfair increase in the amount of the debt.
  6. Destruction of housing. Natural disasters, military operations can lead to the loss of collateral.

It is important to understand that you are not alone and the problem can be solved. There are a number of ways to write off your mortgage loan, and our law firm is ready to help you through this difficult situation.

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The procedure for writing off a mortgage loan through bankruptcy with the help of our lawyer

The bankruptcy procedure is a complex legal process that requires careful preparation and professional support. Self-discharge of a mortgage loan due to bankruptcy can lead to negative consequences, so it is recommended to seek help from a qualified lawyer.

Our law firm offers comprehensive assistance in writing off a mortgage loan through bankruptcy:

Analysis of the situation and collection of documents:

  • Our lawyer will conduct a detailed consultation to understand your situation and determine whether bankruptcy is really the optimal way to solve the problem.
  • The lawyer will collect all the necessary documents, including the loan agreement, payment schedule, proof of income, bank statement, etc.

Preparing a bankruptcy petition:

  • A lawyer will prepare a legally competent bankruptcy application that will meet all the requirements of the law.
  • A package of necessary documents will be attached to the application.

Submitting an application to the court:

  • A lawyer will file a bankruptcy petition with the commercial court at your place of residence.
  • The court will set a date for your case to be heard.

Participation in the court session:

  • Our lawyer will represent your interests in court.
  • The lawyer will explain your situation to the court, provide evidence and arguments in your favor.
  • The court will make a decision to declare you bankrupt or to refuse to open bankruptcy proceedings.

Debt relief:

  • If the court declares you bankrupt, you will be released from mortgage loan obligations and other debts included in the register of creditors.
  • This means that you will no longer be obliged to repay the loan, and the bank will not be able to collect the debt from you.

It is important to note that:

  • The bankruptcy procedure can last several months.
  • You will have to pay court fees and other costs related to the bankruptcy process.

Write-off of a mortgage loan for a destroyed home with the help of our lawyer

As a result of the hostilities, many Ukrainians lost their homes, which were secured by mortgage loans. In such a situation, the question arises: how to get rid of the debt if the house is destroyed?

The legislation of Ukraine provides an opportunity to write off a mortgage loan for a destroyed home. For this, it is necessary to go through a certain procedure with the help of a qualified lawyer. Our law firm offers comprehensive assistance in writing off a mortgage loan for a destroyed home.

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Collection of documents:

  • Our lawyer will help you collect all the necessary documents confirming the destruction of your home.

Preparation and submission of an application to the State Property Fund of Ukraine:

  • The lawyer will make an application to the State Property Fund of Ukraine (SPFMU) about writing off the mortgage loan debt.
  • The FSMU will consider your application and within 30 days make a decision on writing off or refusing to write off the debt.

Appealing the decision of the FSMU (if necessary):

  • If the FSMU refuses to write off your debt, our lawyer will help you appeal this decision in court.

It is important to note that:

  • To write off your mortgage debt, your home must be completely destroyed.
  • You can submit an application to the FSMU within one year from the date of destruction of housing.
  • Paying off your mortgage debt does not free you from other loans.

If you need advice or if you want to know the cost of writing off a mortgage loan – fill out the form below.

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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