{"id":2303,"date":"2026-05-27T06:35:22","date_gmt":"2026-05-27T03:35:22","guid":{"rendered":"https:\/\/svaroglaw.com\/advokat-po-kredytam\/styagnennya-borgu\/"},"modified":"2026-09-14T23:05:08","modified_gmt":"2026-09-14T20:05:08","slug":"styagnennya-borgu","status":"publish","type":"page","link":"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/styagnennya-borgu\/","title":{"rendered":"Debt recovery"},"content":{"rendered":"<p>A debt exists only on paper until it is recovered. This page is about turning arrears into money in the account: under leases, service contracts, works contracts and supply agreements, on obligations of sole traders and companies, and on judgments that go unenforced for years.<\/p>\n<p>Recovery rarely fails for want of evidence. More often the problem is time: the creditor waits for the debtor to \u201cpay up on their own\u201d and comes when limitation is expiring or the assets have already been signed over to relatives.<\/p>\n<div class=\"sb-stat\"><b>3 % a year<\/b><span>The second thing people forget is the size of the claim. Besides the principal, the law allows you to claim that much a year plus inflation losses for the whole period of default (Art. 625 CC), even where the contract says nothing about it.<\/span><\/div>\n<p>Debts on IOUs between individuals are covered separately: <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/styagnennya-borgu-za-rozpyskoyu\/\">recovering a debt on an IOU<\/a>.<\/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>The debts we handle<\/h2>\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\"><path d=\"M6 3h12v18l-2-1.5L14 21l-2-1.5L10 21l-2-1.5L6 21z\"\/><path d=\"M9 8h6M9 12h6M9 16h4\"\/><\/svg><\/span>\n\t\t\t\t<h3 class=\"sb-panel__title\">Categories of case<\/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\"><path d=\"M6 3h8l4 4v14H6z\"\/><path d=\"M14 3v4h4M9 12h6M9 16h6\"\/><\/svg><span>arrears under contracts: leases, services, works, supply;<\/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=\"3\" y=\"7\" width=\"18\" height=\"13\" rx=\"2\"\/><path d=\"M9 7V5a2 2 0 0 1 2-2h2a2 2 0 0 1 2 2v2\"\/><path d=\"M3 12h18\"\/><\/svg><span>debts of sole traders and companies, including on certificates and delivery notes;<\/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>unenforced judgments, where the case was won but no money arrives;<\/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>loans and IOUs between individuals;<\/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 3l8 3v6c0 5-3.5 8-8 9-4.5-1-8-4-8-9V6z\"\/><path d=\"M9 12l2 2 4-4\"\/><\/svg><span>defending debtors: challenging inflated claims, reducing penalties, <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/proczedura-bankrutstva-fizychnoyi-osoby\/\">personal insolvency<\/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=\"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>disputes with collectors and microfinance lenders: unlawful collection methods, interest charged without basis.<\/span><\/li><\/ul>\n\t\t<\/div>\n<h2>What the claim includes besides the principal<\/h2>\n<ol class=\"sb-steps\"><li>The principal sum under the contract, certificate, delivery note or IOU.<\/li><li>Interest for the use of the money. Where the contract names no rate, the National Bank\u2019s discount rate applies <span class=\"sb-art\">Art. 1048(1) CC<\/span>. The exception: a loan between individuals of up to 50 tax-free minimums (850 UAH) unconnected with business is interest-free (Art. 1048(2) CC).<\/li><li>A penalty. Recoverable only where the contract or note expressly provides for it: without a written agreement no penalty exists <span class=\"sb-art\">Arts. 547, 549 CC<\/span>. Between businesses it is capped at double the National Bank discount rate for the period.<\/li><li>3 % a year and inflation losses <span class=\"sb-art\">Art. 625 CC<\/span> for the whole period of default, whatever the contract says.<\/li><li>Costs: the court fee and legal fees are recovered from the debtor if you win.<\/li><\/ol><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>Take the figures. A debt of 100,000 UAH, three years overdue: the 3 % a year alone comes to 9,000 UAH, inflation losses on the state statistics index for the same months are added, and if the contract provided a penalty, that too. The claim grows by a quarter or more. Increasing it after proceedings have begun is harder, so we do the calculation before filing.<\/p><\/div><\/div>\n<h2>Three routes to recovery<\/h2>\n<div class=\"sb-path\"><div class=\"sb-path__head\"><h3 class=\"sb-path__title\">A demand letter<\/h3><span class=\"sb-chip sb-chip--fast\"><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>2\u20134 weeks<\/span><\/div><p>There is no mandatory pre-action procedure, but a demand with a full calculation often works: the debtor sees that the sum will only grow and that the costs will fall on them.<\/p>\n<div class=\"sb-path__note\"><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 3 2 20h20z\"\/><path d=\"M12 10v5M12 17.6v.4\"\/><\/svg><div>For debts between companies there is a further effect: a reply asking for time acknowledges the debt and interrupts limitation (Art. 264 CC).<\/div><\/div><\/div><div class=\"sb-path\"><div class=\"sb-path__head\"><h3 class=\"sb-path__title\">A court order<\/h3><span class=\"sb-chip sb-chip--fast\"><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>5 days, fee 332.80 UAH<\/span><\/div><p>The quickest route, and often forgotten. The conditions: the debt is evidenced by a written transaction, there is no dispute as to the right, and the claim does not exceed 100 subsistence minimums \u2014 332,800 UAH in 2026 (Art. 161 CPC).<\/p>\n<ul>\n<li>decided in 5 days, with no hearing and no summonses;<\/li>\n<li>the court fee is 0.1 of a subsistence minimum (332.80 UAH) instead of 1 % of the sum;<\/li>\n<li>the order is itself an enforceable instrument.<\/li>\n<\/ul>\n<div class=\"sb-path__note\"><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 3 2 20h20z\"\/><path d=\"M12 10v5M12 17.6v.4\"\/><\/svg><div>There is one limitation, but a serious one: the debtor has 15 days from service of the order to apply to have it set aside, and the court does so without assessing the objections on their merits (Art. 170 CPC). So the order works where the debtor does not dispute the debt but is simply playing for time. If it is set aside, the fee paid counts towards the fee on the claim.<\/div><\/div><\/div>\n<p><a href=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/styagnennya-borgu-infografika-en.svg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-5336\" src=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/styagnennya-borgu-infografika-en.svg\" alt=\"Debt recovery lawyer\" \/><\/a><\/p>\n<div class=\"sb-path\"><div class=\"sb-path__head\"><h3 class=\"sb-path__title\">A court claim<\/h3><span class=\"sb-chip sb-chip--slow\"><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>months<\/span><\/div><p>Needed where there is a dispute as to the right, or the sum exceeds the limit for a court order. The claim is filed where the debtor is registered; disputes between companies and sole traders go to the commercial court. Cases worth up to 332,800 UAH go through simplified proceedings, the rest under the ordinary rules, with a preparatory hearing and more sittings. The realistic timescale depends on the particular court\u2019s workload, so we give it at the consultation.<\/p><\/div>\n<h2>Limitation: what changed on 4 September 2025<\/h2>\n<p>The general period is three years (Art. 257 CC), and one year for penalties (Art. 258 CC). From 2 April 2020 to 3 September 2025 limitation did not run because of the quarantine and martial law, but Law No. 4434-IX ended that pause, and from 4 September 2025 time began running again. For debts from 2020\u20132025 the three years expire in September 2028; for older ones the remaining balance is added on, so limitation expires as early as 2026\u20132027. A part payment or a written acknowledgment interrupts the running of time, and the period starts afresh (Art. 264 CC).<\/p>\n<div class=\"sb-note sb-note--warn\"><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 3 2 20h20z\"\/><path d=\"M12 10v5M12 17.6v.4\"\/><\/svg><div class=\"sb-note__body\"><p>A court applies limitation only if the debtor pleads it (Art. 267(3) CC), and the debtor\u2019s lawyer does not forget it. If you have a contract from 2018\u20132019 sitting in a drawer, the period needs calculating now.<\/p><\/div><\/div>\n<h2>A judgment and actual money<\/h2>\n<p>A judgment on its own brings no money. Enforcement proceedings follow, and it is at that stage that most creditors lose out: on paper the debtor \u201chas nothing\u201d. What works is specific steps:<\/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\"><path d=\"M3 9l9-5 9 5\"\/><path d=\"M4 9h16v2H4z\"\/><path d=\"M6 11v6M10 11v6M14 11v6M18 11v6\"\/><path d=\"M3 20h18\"\/><\/svg><\/span>\n\t\t\t\t<h3 class=\"sb-panel__title\">Enforcement tools<\/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\"><rect x=\"4\" y=\"10\" width=\"16\" height=\"11\" rx=\"2\"\/><path d=\"M8 10V7a4 4 0 0 1 8 0v3\"\/><\/svg><span>an application for interim relief filed with the claim: freezing accounts and property, barring registration actions, before the debtor can transfer the assets;<\/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=\"11\" cy=\"11\" r=\"7\"\/><path d=\"M20 20l-4-4\"\/><\/svg><span>tracing assets through lawyer\u2019s requests to banks, the State Register of Real Property Rights, the vehicle register and the companies register;<\/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\"\/><path d=\"M10 8l4 4M14 8l-4 4\"\/><\/svg><span>a temporary ban on the debtor leaving the country within the enforcement proceedings;<\/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=\"14.5\" r=\"6.5\"\/><path d=\"M9 7.5 10.5 4h3L15 7.5\"\/><\/svg><span>enforcement against the debtor\u2019s share of matrimonial property;<\/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 3l18 18\"\/><path d=\"M10.6 6.2A9.6 9.6 0 0 1 12 6c5 0 9 6 9 6a17 17 0 0 1-3 3.3\"\/><path d=\"M6.6 6.6C4 8.4 3 12 3 12s4 6 9 6a9 9 0 0 0 3.5-.7\"\/><path d=\"M9.9 9.9a3 3 0 0 0 4.2 4.2\"\/><\/svg><span>challenging sham transactions, such as the \u201csale\u201d of a car to a brother a week before the hearing;<\/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 5l6 6 4-4 8 8\"\/><path d=\"M15 15h6V9\"\/><\/svg><span>insolvency proceedings against the debtor where it is a company or a sole trader.<\/span><\/li><\/ul>\n\t\t<\/div>\n<p>We plan enforcement before the claim is even filed: we check the debtor\u2019s assets against the registers and assess whether there is anything to recover from. If there is not, you will know before you pay the court fee.<\/p>\n<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 2024 the owner of a furniture workshop came to us: a sole-trader counterparty had not paid 180,000 UAH for components. The signed delivery notes existed and so did the correspondence, but the payments had stopped back in 2022. We recalculated the claim with interest, the 3 % a year and inflation losses and sent a demand with the full computation. There was no reply, so we filed in the commercial court together with an application for interim relief. Once the accounts were frozen the debtor came to the table, and the case ended in a settlement paid in two tranches. About nine months passed between the first consultation and the last payment, and the fee was within the court representation rates in our price list. (details changed)<\/p><\/div>\n<h2>Creditors\u2019 typical mistakes<\/h2>\n<p>The commonest mistakes people bring to the consultation:<\/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\"><path d=\"M6 3h12M6 21h12\"\/><path d=\"M8 3v3l4 5 4-5V3M8 21v-3l4-5 4 5v3\"\/><\/svg><span>waiting until the last moment and coming when only weeks of the limitation period remain;<\/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>claiming only the principal and forgetting the interest, the 3 % a year and inflation losses;<\/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=\"10\" width=\"16\" height=\"11\" rx=\"2\"\/><path d=\"M8 10V7a4 4 0 0 1 8 0v3\"\/><\/svg><span>not applying for interim relief, and obtaining judgment against a debtor who no longer owns anything;<\/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>accepting a part payment without written confirmation of which debt it was credited to;<\/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>stopping after winning in court and not following the enforcement proceedings.<\/span><\/li><\/ul><\/div>\n<h2>Cost of services (Debt recovery)<\/h2>\n<div class=\"sb-price\"><div class=\"sb-price__row\"><span>Consultation on debt recovery<\/span><b><i>from<\/i>1,500 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Legal opinion: review of the documents and calculation of the claim<\/span><b><i>from<\/i>5,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Demand letter, negotiations, pre-action settlement<\/span><b><i>from<\/i>5,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Preparation of an application for a court order or of the claim form<\/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\"><span>Comprehensive handling of a civil case<\/span><b><i>from<\/i>25,000 UAH<\/b><\/div><div class=\"sb-price__row sb-price__row--hi\"><span>Comprehensive handling of a commercial case<\/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>disputes from 100,000 UAH<\/b><\/div><\/div>\n<p>Court fees in 2026 are calculated from the subsistence minimum of 3,328 UAH. An application for a court order costs 332.80 UAH. A monetary claim by an individual costs 1 % of its value, from 1,331.20 to 16,640 UAH; by a company 1.5 % of its value, with a minimum of 3,328 UAH and, in the commercial court, a maximum of 1,164,800 UAH. Filing through the Electronic Court reduces the rate by 20 %. If you win, the court awards both the fee and the legal costs against the debtor. Work without an advance is possible for disputes from 100,000 UAH \u2014 the minimum at which payment purely on results makes sense.<\/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 recovery claim<\/h3>\n\t\t<\/div>\n\t\t<p class=\"sb-calc__note\">Up to 332,800 UAH under a written contract a court order works, with a fee of 332.80 UAH.<\/p>\n\t\t<div class=\"sb-calc__grid\">\n\t\t\t<div>\n\t\t\t\t<label for=\"svcalc-7996-claim\">Amount of your claim<\/label>\n\t\t\t\t<div class=\"sb-calc__in\">\n\t\t\t\t\t<input id=\"svcalc-7996-claim\" class=\"sb-calc__claim\" type=\"text\" inputmode=\"numeric\" value=\"180 000\">\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=\"180000\" aria-label=\"Amount of your claim\">\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\">1 800 \u0433\u0440\u043d<\/b>\n\t\t\t\t<span class=\"sb-calc__hint\">1 % \u0432\u0456\u0434 \u0446\u0456\u043d\u0438 \u043f\u043e\u0437\u043e\u0432\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><li><a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/styagnennya-borgu-za-rozpyskoyu\/\"><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>Recovering a debt on an IOU<\/a><\/li><li><a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/\"><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>Credit and loan lawyer<\/a><\/li><\/ul>\n<h2>Questions and answers (debt recovery)<\/h2>\n<div class=\"sb-faq\"><details class=\"sb-faq__item\" open><summary><h3>Can a debt be recovered from a sole trader who has already deregistered?<\/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. Ceasing to trade does not end the obligations: the former trader answers for the debts as an individual, with all their property. What changes is jurisdiction: once the trader status is gone, the dispute goes to the general court rather than the commercial one.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>The debtor has left the country. Is that a dead end?<\/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>No. The claim is filed at the debtor\u2019s last registered address in Ukraine, and they can be summoned through a notice on the judiciary\u2019s website. If accounts, property or vehicles remain in Ukraine, enforcement takes its usual course. If all the assets are abroad, the Ukrainian judgment has to be recognised in that country; we assess the prospects before filing.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>What do the enforcement proceedings themselves cost?<\/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 enforcement fee at the state enforcement service is 10 % of the sum recovered and is paid by the debtor; a private enforcement officer charges a principal fee instead, also at the debtor\u2019s expense. On opening the file the creditor pays an advance of 2 % of the sum, which is returned once the judgment is actually enforced.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>Can the case be handled remotely?<\/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. You send the documents by email or messenger, we sign the engagement electronically, and in court the lawyer acts on a warrant. Hearings are held by video through the Electronic Court, so you need not be in Kyiv. Originals are needed only if the debtor disputes a signature and the court orders a handwriting examination.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>What if the enforcement file was closed for want of assets?<\/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 writ is returned to the creditor, but the debt remains. It can be re-submitted for enforcement within three years of the return, and that is worth doing every time information appears about new property or official income. In parallel we check whether the debtor disposed of assets after the file was opened.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>Can I sell my debt if I do not want to pursue it myself?<\/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, the claim is assigned under a cession agreement (Arts. 512\u2013514 CC). The debtor\u2019s consent is not required, but they are notified in writing of the change of creditor. The price depends on how complete the documents are, the stage of recovery and the debtor\u2019s assets. More on the mechanism on the page about <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/vykup-borgiv\/\">buying debt<\/a>.<\/p><\/div><\/details><\/div><div class=\"sb-closing\"><h2>Contact a Svarog debt recovery lawyer<\/h2>\n<p>Send us the contract, the delivery notes or the IOU: we will calculate the full claim with interest, penalties, the 3 % a year and inflation losses, check limitation and choose the procedure \u2014 a demand, a court order or a claim. We will also check the debtor\u2019s assets against the registers, so that the prospects of recovery are clear before you pay the court fee.<\/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>A debt exists only on paper until it is recovered. This page is about turning arrears into money in the account: under leases, service contracts, works contracts and supply agreements, on obligations of sole traders and companies, and on judgments that go unenforced for years. Recovery rarely fails for want of evidence. More often the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2266,"parent":2301,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/service.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2303","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>Debt recovery through the courts in Kyiv \u2014 lawyer, advocate, fees<\/title>\n<meta name=\"description\" content=\"We recover debts under promissory notes, loans and credit deals: court order in 5 days or a claim, 3% per annum plus inflation, enforcement. 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