Kovalev Artem
Kovalev Artem

Head of criminal law practice

Phone numbers
+38 (093) 007-44-03 +38 (073) 007-41-81

Expert in criminal and international law. He also specializes in crimes in the field of military activity and in the financial sector.

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Freeze credit

Freeze credit

Freeze a loan

When applying for a loan, banks and borrowers first of all assess the borrower’s solvency, the ability to fulfill obligations in accordance with the concluded agreement. However, it is impossible to foresee all future events. Therefore, in the event of force majeure, the borrower has problems with the fulfillment of obligations (payment of funds in accordance with the contract), due to events beyond the control of the borrower. In this case, the amount of borrowing will not matter.

In the event of unforeseen problems, there are problems with the payment of debts, interest and penalties begin to rise.

The best solution to avoid such issues is to conclude an additional agreement between the lender and the borrower, at the conclusion of which the issues of freezing the loan for a certain time are discussed, and reducing the loan burden until the borrower’s financial position stabilizes.Ugrin Svyatoslav

Under what conditions can you freeze a loan to a person who is in a difficult situation with the payment of debt?

Banking institutions generally go to a meeting with the borrower, and conclude additional agreements with them if there are good reasons for that. The reasons for each borrower may be different, therefore, when concluding an additional agreement, the bank carefully considers the significance of the loan freeze.

Such circumstances include the following:

  • Release from work not on their own initiative.
  • In case of poor health, or expensive treatment.
  • The emergence of additional dependents in the family.
  • Being on maternity leave.
  • Change in the borrower’s income.
  • If a person becomes disabled, as a result of which income has decreased.
  • Due to the economic crisis in the country, the income of a person has significantly decreased.
  • Death of the family breadwinner.

There are also other compelling reasons why the borrower’s ability to pay has significantly decreased, or none at all. Therefore, when signing the agreement, you should take into account the possibility of force majeure circumstances in advance, and include a clause in the agreement with the bank, if possible, to freeze the loan. In this case, during the onset of an unforeseen situation, it is much easier to achieve a common language with the bank.

Therefore, to save your time, our qualified specialists from the Prikhodko & Partners Law Office will help you with this. We will act exclusively in the legal field, if you have a good credit history, then the term will be postponed without problems.

How we work:

1
Leave a request in a convenient way for you: through the feedback form by e-mail or call
2
We hold a meeting, discuss the terms of cooperation
3
We sign a contract, you pay for the service and we start working on your question right away

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What is your loan debt amount?

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3 question

To whom is there a loan debt?

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4 question

Are you in Kiev or Kiev region?

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5 question

Do you need legal assistance urgently?

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Debtor's rights protection

A statement of claim for the removal of a seizure from a bank account A statement of claim for the removal of seizure from property A statement of claim for the removal of the attachment from the debtor’s funds Appealing a loan agreement Appealing executive inscriptions Appealing the executive proceedings in case of imposition of a fine by the TCC Application for writing off interest on the loan Bank protection Claim for cancellation of debt for communal services Claim to lift seizure of property and accounts Close a loan in cryptocurrency Collector protection Complaint to the NBU against the MFI Credit history appeal Credit history check Debt cancellation in court Debt collection during martial law Debt collection for utility services during the war Debt collection from military personnel Debt write-off for utility services Determination of a current bank account for spending transactions Exemption from loan debts Forced collection of debt Freeze credit Individual bankruptcy Judicial debt restructuring outside of bankruptcy proceedings Judicial support of cases with the Unified State Register of Legal Entities Lawsuit for recognition of a natural person as bankrupt Lawyer for credit debts 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 analysis of credit agreements Legal assistance with microcredits (MFIs) Objection to the claim for debt collection Recalculation of the amount of the debt in court Recognizing a natural person as bankrupt Redemption of a loan or debt Removal from the unified register of debtors Removal of encumbrance from movable property Removal of seizure from property in enforcement proceedings Removal of seizure from the account for payment of wages Removal of seizure from the debtor’s account Removal of seizure from the debtor’s property Remove the arrest from the apartment Remove the attachment from the account, property, apartment, car Response to the claim for debt collection by receipt Restructuring debt on a mortgage loan in foreign currency Restructuring of foreign currency loans Restructuring of PrivatBank credit card debt Salary account unlocking Statement of claim for collection of debt for utility services Statement of claim for debt collection under a credit agreement Statement of claim for debt collection under a loan agreement Statement of claim to appeal the actions of a state enforcement officer Sue the bank Termination of executive proceedings of a serviceman The single register of debtors is the price of removal from the register of debtors Unlocking debtors’ account Write-off of accrued interest during martial law on loans for military personnel Write-off of debts of an individual in Ukraine Write-off of interest on a loan to the military in Ukraine Write-off of loans and interest on loans to female military personnel Write-off of single tax debt (SP) due to bankruptcy Writing off debts and loans