{"id":2301,"date":"2026-05-27T06:18:23","date_gmt":"2026-05-27T03:18:23","guid":{"rendered":"https:\/\/svaroglaw.com\/advokat-po-kredytam\/"},"modified":"2026-09-14T23:09:04","modified_gmt":"2026-09-14T20:09:04","slug":"advokat-po-kredytam","status":"publish","type":"page","link":"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/","title":{"rendered":"Lawyer specialising in loans and microloans (MFIs)"},"content":{"rendered":"<p>The first thing we do with any debt is <strong>check how large it really is<\/strong>. Not \u201cnegotiate\u201d, not \u201cwrite off\u201d, but calculate how much of the sum the creditor could actually recover in court.<\/p>\n<p>Very often it turns out that the penalty exceeds the permitted limits, the account servicing commissions are unlawful, part of the claim is time-barred (one year for penalties rather than three), and the microfinance lender has charged interest that does not appear even in its own contract.<\/p>\n<p>A credit lawyer proves one thing, in negotiation and in court: that you pay what the law requires, and no more. The work starts with a calculation, and the strategy \u2014 pay, challenge, restructure or go insolvent \u2014 follows from its result.<\/p>\n<div class=\"sb-call\"><a class=\"sb-call__link\" href=\"tel:+380955545424\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 4h4l2 5-2.5 1.5a11 11 0 0 0 5 5L15 13l5 2v4a2 2 0 0 1-2 2A16 16 0 0 1 3 6a2 2 0 0 1 2-2z\"\/><\/svg><span>+38 095 554-54-24<\/span><\/a><span class=\"sb-call__note\">legal consultation<\/span><\/div>\n<h2>Our areas of debt work<\/h2>\n<h3>If you owe<\/h3>\n<ul class=\"sb-ilist\"><li><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 12l4 4L19 7\"\/><\/svg><\/span><span><a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/restrukturyzacziya-borgu\/\">Debt restructuring<\/a> \u2014 a new schedule, reduced penalties, negotiations with the figures in hand<\/span><\/li><li><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 12l4 4L19 7\"\/><\/svg><\/span><span><a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/proczedura-bankrutstva-fizychnoyi-osoby\/\">Personal insolvency<\/a> \u2014 writing debts off, the moratorium, halting enforcement proceedings<\/span><\/li><li><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 12l4 4L19 7\"\/><\/svg><\/span><span><a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/proczedura-bankrutstva-yurydychnoyi-osoby\/\">Corporate insolvency<\/a><\/span><\/li><li><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 12l4 4L19 7\"\/><\/svg><\/span><span>Defence against debt collectors and challenges to unlawful microfinance charges<\/span><\/li><li><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 12l4 4L19 7\"\/><\/svg><\/span><span>Defending guarantors and property guarantors<\/span><\/li><\/ul>\n<h3>If you are owed<\/h3>\n<ul class=\"sb-ilist\"><li><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 12l4 4L19 7\"\/><\/svg><\/span><span><a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/styagnennya-borgu\/\">Debt recovery<\/a> \u2014 demand, court order, claim, enforcement<\/span><\/li><li><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 12l4 4L19 7\"\/><\/svg><\/span><span><a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/styagnennya-borgu-za-rozpyskoyu\/\">Recovering a debt on an IOU<\/a><\/span><\/li><li><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 12l4 4L19 7\"\/><\/svg><\/span><span><a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/vykup-borgiv\/\">Buying debt<\/a><\/span><\/li><\/ul>\n<h2>What can almost always be stripped out of a debt<\/h2>\n<p>This is where the audit earns its keep:<\/p>\n<div class=\"sb-panel sb-panel--dark\">\n\t\t\t<div class=\"sb-panel__head\">\n\t\t\t\t<span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><rect x=\"4\" y=\"3\" width=\"16\" height=\"18\" rx=\"2\"\/><path d=\"M8 7h8M8 12h.01M12 12h.01M16 12h.01M8 16h.01M12 16h.01M16 16h.01\"\/><\/svg><\/span>\n\t\t\t\t<h3 class=\"sb-panel__title\">What comes off lawfully<\/h3>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<ul class=\"sb-plist\"><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3 2\"\/><\/svg><span><strong>penalties and fines older than a year<\/strong> \u2014 the shortened limitation period applies to them (Art. 258 CC);<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v17M5 21h14\"\/><path d=\"M12 7 5 9M12 7l7 2\"\/><path d=\"M5 9 2.5 15h5zM19 11l-2.5 6h5z\"\/><\/svg><span><strong>an excessive penalty<\/strong> \u2014 the court may reduce it where it is disproportionate to the creditor\u2019s loss (Art. 551 CC);<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M6 3h12v18l-2-1.5L14 21l-2-1.5L10 21l-2-1.5L6 21z\"\/><path d=\"M9 8h6M9 12h6M9 16h4\"\/><\/svg><span><strong>unlawful commissions<\/strong> \u2014 account servicing fees, a \u201cmonthly commission\u201d on the principal and the like; courts hold many of them to be unfair contract terms;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M6 3h8l4 4v14H6z\"\/><path d=\"M14 3v4h4M9 12h6M9 16h6\"\/><\/svg><span><strong>interest charged after the contract term expired<\/strong>, where the contract does not provide for it;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M6 3h12M6 21h12\"\/><path d=\"M8 3v3l4 5 4-5V3M8 21v-3l4-5 4 5v3\"\/><\/svg><span><strong>time-barred claims<\/strong> \u2014 three years on the principal, bearing in mind that since 4 September 2025 limitation is running again after the quarantine and wartime pause;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><circle cx=\"9\" cy=\"8\" r=\"3.4\"\/><path d=\"M2.6 20a6.4 6.4 0 0 1 12.8 0\"\/><circle cx=\"17.5\" cy=\"9\" r=\"2.4\"\/><path d=\"M16 14.4A5 5 0 0 1 22 19\"\/><\/svg><span><strong>claims against a guarantor<\/strong> where the surety has already terminated.<\/span><\/li><\/ul>\n\t\t<\/div>\n<p><a href=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/kredyty-infografika-en.svg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-5334\" src=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/kredyty-infografika-en.svg\" alt=\"Credit lawyer: what can lawfully be stripped out of a debt\" \/><\/a><\/p>\n<h2>What the real-figure calculation looks like<\/h2>\n<p>A typical microfinance demand: 14,000 UAH as a single figure, with no breakdown. The statement of arrears splits it up: principal 5,000 UAH, interest 6,200 UAH, penalty 2,800 UAH.<\/p>\n<p>We check each element separately. The principal stands. The interest we recalculate at the rate and for the term in the contract, not the ones that appeared in the statement: if the contract ran for 30 days and provided for no automatic extension, six months of charges do not follow from it. Penalties older than a year come off by limitation, and the rest the court may reduce under Art. 551 CC.<\/p>\n<p>We put the calculation in writing: it becomes both the position in the defence and the argument in negotiations.<\/p>\n<h2>Debt collectors: what is lawful and what is not<\/h2>\n<div class=\"sb-ways\"><div class=\"sb-way sb-way--up\"><span class=\"sb-way__tag\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 19V5M6 11l6-6 6 6\"\/><\/svg>Lawful<\/span><div class=\"sb-way__body\"><p>Reminding you of the debt, sending demands, going to court, buying the debt under an <a href=\"https:\/\/svaroglaw.com\/en\/finansovi-poslugy\/bankivskyj-faktoryng\/\">assignment of the claim<\/a>.<\/p><\/div><\/div><div class=\"sb-way sb-way--down\"><span class=\"sb-way__tag\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 5v14M6 13l6 6 6-6\"\/><\/svg>Unlawful<\/span><div class=\"sb-way__body\"><p>Threats, calls to relatives, colleagues and your workplace, psychological pressure, coming to your home uninvited, posing as law enforcement officers. The rules for dealing with a debtor are set by Art. 25 of the Law \u201cOn Consumer Lending\u201d: the creditor and the collection company must identify themselves, record their calls, refrain from contacting you at night or at weekends, and not discuss the debt with third parties without your written consent.<\/p><\/div><\/div><\/div>\n<p>Such conduct is recorded (call recordings, screenshots, witnesses) and challenged: a complaint to the National Bank, which maintains the register of collection companies, and a report to the police. The breach itself then becomes an argument in negotiations over the amount.<\/p>\n<div class=\"sb-note sb-note--info\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 11v5M12 8v.4\"\/><\/svg><div class=\"sb-note__body\"><p>We check separately <strong>whether the debt was lawfully passed to collectors<\/strong> and whether you were notified of the assignment. A breach here is a reason to challenge the claim altogether.<\/p><\/div><\/div>\n<h2>Pay, challenge, restructure or go insolvent<\/h2>\n<p>The logic we use at the consultation:<\/p>\n<div class=\"sb-cards sb-cards--2\"><article class=\"sb-card\"><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 12l4 4L19 7\"\/><\/svg><\/span><h3 class=\"sb-card__title\">Pay<\/h3><div class=\"sb-card__body\"><p> Where the debt is small, the charges are lawful and you have income. Litigating would cost more than paying.<\/p><\/div><\/article><article class=\"sb-card\"><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v17M5 21h14\"\/><path d=\"M12 7 5 9M12 7l7 2\"\/><path d=\"M5 9 2.5 15h5zM19 11l-2.5 6h5z\"\/><\/svg><\/span><h3 class=\"sb-card__title\">Challenge<\/h3><div class=\"sb-card__body\"><p> Where the sum contains unlawful charges or part of it is time-barred. How far the claim falls depends on the share of penalties, fines and commissions: in microfinance debts it is usually larger than in bank ones.<\/p><\/div><\/article><article class=\"sb-card\"><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3 2\"\/><\/svg><\/span><h3 class=\"sb-card__title\">Restructure<\/h3><div class=\"sb-card__body\"><p> Where you have income but the schedule is unmanageable. Audit first: restructuring an inflated figure means voluntarily acknowledging it.<\/p><\/div><\/article><article class=\"sb-card\"><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 5l6 6 4-4 8 8\"\/><path d=\"M15 15h6V9\"\/><\/svg><\/span><h3 class=\"sb-card__title\">Go insolvent<\/h3><div class=\"sb-card__body\"><p> Where there is no income to repay from. <strong>Maintenance and compensation for injury to life or health are never written off<\/strong>.<\/p><\/div><\/article><\/div><div class=\"sb-case\"><div class=\"sb-case__head\"><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 3l8 3v6c0 5-3.5 8-8 9-4.5-1-8-4-8-9V6z\"\/><path d=\"M9 12l2 2 4-4\"\/><\/svg><\/span><h2 class=\"sb-case__title\">A case from our practice<\/h2><\/div><p>In 2025 a woman came to us who four years earlier had borrowed 5,000 UAH from a microfinance lender for two weeks and stopped paying because of illness. Collectors were demanding more than 40,000 UAH, and the lender eventually sued. The statement showed interest charged for the entire period of default, although the contract had run for 14 days and provided for no extension, and a penalty accrued over three years. In our defence we set out our own calculation, pleaded limitation against the penalty and asked the court to reduce it under Art. 551 CC. The court granted the claim in part: it awarded the principal and the interest for the contract term, and refused the penalty and the commissions. The case took about seven months and our fee was around 11,000 UAH. (details changed)<\/p><\/div>\n<h2>When you do not need a lawyer<\/h2>\n<p>If the debt is small, the statement breaks it down into principal and contractual interest, no penalty has been charged and your income covers the sum, it is cheaper simply to pay: the legal fees would exceed the saving. We say so at the consultation and explain there how to handle it yourself.<\/p>\n<p>You need a credit lawyer when:<\/p>\n<div class=\"sb-dark\"><ul class=\"sb-rlist\"><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><circle cx=\"11\" cy=\"11\" r=\"7\"\/><path d=\"M20 20l-4-4\"\/><\/svg><span>you <strong>do not understand what the figure is made of<\/strong>;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 4h4l2 5-2.5 1.5a11 11 0 0 0 5 5L15 13l5 2v4a2 2 0 0 1-2 2A16 16 0 0 1 3 6a2 2 0 0 1 2-2z\"\/><\/svg><span>the debt is with <strong>collectors or a microfinance lender<\/strong>;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><rect x=\"4\" y=\"3\" width=\"16\" height=\"18\" rx=\"2\"\/><path d=\"M8 7h8M8 12h.01M12 12h.01M16 12h.01M8 16h.01M12 16h.01M16 16h.01\"\/><\/svg><span><strong>penalties and fines<\/strong> make up a large part of the sum;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M14.5 3.5 20.5 9.5l-3 3-6-6z\"\/><path d=\"M11 7 4 14l3 3 7-7\"\/><path d=\"M3 21h10\"\/><\/svg><span><strong>the bank has sued<\/strong> or enforcement proceedings have been opened;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 9l9-5 9 5\"\/><path d=\"M4 9h16v2H4z\"\/><path d=\"M6 11v6M10 11v6M14 11v6M18 11v6\"\/><path d=\"M3 20h18\"\/><\/svg><span><strong>your wages are being deducted<\/strong> and your accounts frozen;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><circle cx=\"9\" cy=\"8\" r=\"3.4\"\/><path d=\"M2.6 20a6.4 6.4 0 0 1 12.8 0\"\/><circle cx=\"17.5\" cy=\"9\" r=\"2.4\"\/><path d=\"M16 14.4A5 5 0 0 1 22 19\"\/><\/svg><span>you are a <strong>guarantor<\/strong> on someone else\u2019s loan;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M6 3h12v18l-2-1.5L14 21l-2-1.5L10 21l-2-1.5L6 21z\"\/><path d=\"M9 8h6M9 12h6M9 16h4\"\/><\/svg><span>a debt <strong>owed to you<\/strong> is not being repaid and has to be recovered.<\/span><\/li><\/ul><\/div>\n<h2>Cost of services<\/h2>\n<div class=\"sb-price\"><div class=\"sb-price__row\"><span>Consultation<\/span><b><i>from<\/i>1,500 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Legal opinion: audit of the debt and calculation of the real figure<\/span><b><i>from<\/i>5,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Negotiations with the creditor, restructuring, pre-action settlement<\/span><b><i>from<\/i>5,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Preparation of the claim, the defence and procedural documents<\/span><b><i>from<\/i>5,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Participation in one court hearing<\/span><b><i>from<\/i>3,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Court representation<\/span><b><i>from<\/i>10,000 UAH<\/b><\/div><div class=\"sb-price__row sb-price__row--hi\"><span>Comprehensive handling of a civil case<\/span><b><i>from<\/i>25,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Comprehensive handling of a commercial case (corporate insolvency)<\/span><b><i>from<\/i>30,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Enforcement proceedings<\/span><b><i>from<\/i>3,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Work without an advance (payment on the agreed result)<\/span><b><i>from<\/i>100,000 UAH<\/b><\/div><\/div>\n<p>The last line refers to the minimum value of dispute at which that arrangement is possible.<\/p>\n<p><strong>Court fees (2026):<\/strong> 332.80 UAH for an application for a court order; a monetary claim by an individual costs 1 % of its value, from 1,331.20 to 16,640 UAH; a debtor\u2019s application to open insolvency proceedings costs 1,331.20 UAH. Filing through the Electronic Court multiplies the rate by 0.8.<\/p>\n<div class=\"sb-calc\" data-rate=\"0.01\" data-min=\"1331.20\" data-max=\"16640\" data-ecourt=\"0.8\">\n\t\t<div class=\"sb-calc__head\">\n\t\t\t<span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><rect x=\"4\" y=\"3\" width=\"16\" height=\"18\" rx=\"2\"\/><path d=\"M8 7h8M8 12h.01M12 12h.01M16 12h.01M8 16h.01M12 16h.01M16 16h.01\"\/><\/svg><\/span>\n\t\t\t<h3>Calculate the court fee on a monetary claim<\/h3>\n\t\t<\/div>\n\t\t<p class=\"sb-calc__note\">An application for a court order costs 332.80 UAH, an insolvency application 1,331.20 UAH.<\/p>\n\t\t<div class=\"sb-calc__grid\">\n\t\t\t<div>\n\t\t\t\t<label for=\"svcalc-6863-claim\">Amount of the debt<\/label>\n\t\t\t\t<div class=\"sb-calc__in\">\n\t\t\t\t\t<input id=\"svcalc-6863-claim\" class=\"sb-calc__claim\" type=\"text\" inputmode=\"numeric\" value=\"100 000\">\n\t\t\t\t\t<span>\u0433\u0440\u043d<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<input class=\"sb-calc__range\" type=\"range\" min=\"50000\" max=\"3000000\" step=\"10000\" value=\"100000\" aria-label=\"Amount of the debt\">\n\t\t\t\t<label class=\"sb-calc__toggle\">\n\t\t\t\t\t<input type=\"checkbox\" class=\"sb-calc__ecourt\"> \u041f\u043e\u0434\u0430\u0454\u043c\u043e \u0447\u0435\u0440\u0435\u0437 \u00ab\u0415\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0438\u0439 \u0441\u0443\u0434\u00bb\n\t\t\t\t<\/label>\n\t\t\t<\/div>\n\t\t\t<div class=\"sb-calc__out\">\n\t\t\t\t<b class=\"sb-calc__fee\">1 331,20 \u0433\u0440\u043d<\/b>\n\t\t\t\t<span class=\"sb-calc__hint\">\u043c\u0456\u043d\u0456\u043c\u0430\u043b\u044c\u043d\u0430 \u0441\u0442\u0430\u0432\u043a\u0430 \u0437\u0431\u043e\u0440\u0443<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<small class=\"sb-calc__disclaimer\">The calculation is indicative. The final fee is determined by the court.<\/small>\n\t<\/div>\n\t<ul class=\"sb-related\"><li><a href=\"https:\/\/svaroglaw.com\/en\/cziny-poslug\/\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg>Full price list<\/a><\/li><\/ul>\n<h2>Questions and answers (debts, microfinance, collectors)<\/h2>\n<div class=\"sb-faq\"><details class=\"sb-faq__item\" open><summary><h3>The court issued an order and I learned of it from the enforcement officer. What now?<\/h3><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 5v14M5 12h14\"\/><\/svg><\/summary><div class=\"sb-faq__body\"><p>File an application to set the order aside \u2014 you have 15 days from service of the copy (Art. 170 CPC). The court sets it aside without assessing your reasons, and the creditor must then bring an ordinary claim, where you file a defence with the calculation. If the deadline has passed, the application goes in together with a request to restore it.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>Can a debt stop me leaving the country?<\/h3><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 5v14M5 12h14\"\/><\/svg><\/summary><div class=\"sb-faq__body\"><p>Yes, but that is decided neither by the creditor nor by the enforcement officer. A temporary travel ban is imposed by a court on the application of a state or private enforcement officer where the debtor is evading the judgment. It is lifted once the debt is paid, or if you show there was no evasion: you are contactable and paying part of the debt.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>What happens if I simply ignore the court and do not answer the claim?<\/h3><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 5v14M5 12h14\"\/><\/svg><\/summary><div class=\"sb-faq__body\"><p>The court will hear the case without you and award the whole sum claimed together with the court fee, since no defence or calculation was filed. Enforcement proceedings follow, a 10 % enforcement fee is added to the debt, the accounts are frozen and part of your wages is withheld.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>What does personal insolvency cost besides the legal fee?<\/h3><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 5v14M5 12h14\"\/><\/svg><\/summary><div class=\"sb-faq__body\"><p>The court fee on a debtor\u2019s application is 1,331.20 UAH. In addition the debtor pays into the court\u2019s deposit account an advance on the restructuring manager\u2019s remuneration under the Bankruptcy Code; we calculate that sum at the consultation, along with the cost of the public notices and the valuation of the property.<\/p><\/div><\/details><\/div><div class=\"sb-closing\"><h2>Contact a Svarog credit lawyer<\/h2>\n<p>Send us the credit agreement and the statement of arrears. We will calculate how much of that sum the creditor could actually recover in court and tell you which is better: paying, challenging, restructuring or going insolvent. If it is you who is owed, we will choose the route to recovery \u2014 a court order or a claim.<\/p>\n<ul class=\"sb-meta\"><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 4h4l2 5-2.5 1.5a11 11 0 0 0 5 5L15 13l5 2v4a2 2 0 0 1-2 2A16 16 0 0 1 3 6a2 2 0 0 1 2-2z\"\/><\/svg><span><a href=\"tel:+380955545424\">+38 095 554-54-24<\/a><\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 21s-6-5.5-6-11a6 6 0 0 1 12 0c0 5.5-6 11-6 11z\"\/><circle cx=\"12\" cy=\"10\" r=\"2.4\"\/><\/svg><span>Kyiv, 7 Khoriva Street (Podil)<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3 2\"\/><\/svg><span>Mon\u2013Fri 9.00\u201318.00<\/span><\/li><\/ul><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The first thing we do with any debt is check how large it really is. Not \u201cnegotiate\u201d, not \u201cwrite off\u201d, but calculate how much of the sum the creditor could actually recover in court. Very often it turns out that the penalty exceeds the permitted limits, the account servicing commissions are unlawful, part of the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2263,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/service.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2301","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lawyer specialising in loans and microfinance organisations \u2014 debts, debt collectors, bankruptcy, credit lawyer, advocate<\/title>\n<meta name=\"description\" content=\"Debt audits, protection against debt collectors, debt restructuring, bankruptcy, debt recovery. 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