{"id":2309,"date":"2026-05-27T06:36:11","date_gmt":"2026-05-27T03:36:11","guid":{"rendered":"https:\/\/svaroglaw.com\/advokat-po-kredytam\/vykup-borgiv\/"},"modified":"2026-07-15T16:00:53","modified_gmt":"2026-07-15T13:00:53","slug":"vykup-borgiv","status":"publish","type":"page","link":"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/vykup-borgiv\/","title":{"rendered":"Debt settlement"},"content":{"rendered":"<p>Debt purchasing works both ways, and this page is for both parties.<\/p>\n<p><strong>If you are buying a debt<\/strong>, the key question is not \u2018how much\u2019, but <strong>whether it actually exists<\/strong>: has the limitation period expired, has the contract been contested, and does the debtor have any assets from which the debt can be recovered? Buying an overdue debt from someone with no assets is like buying a piece of paper.<\/p>\n<p><strong>If your debt has been sold to debt collectors<\/strong> \u2014 check the legality of the assignment. Very often, it has been carried out unlawfully, and the claim against you is invalid.<\/p>\n<p><strong><a href=\"tel:380955545424\">+38 095 554-54-24<\/a> \u2014 legal advice<\/strong><\/p>\n<h2>How this works legally<\/h2>\n<p>Assignment of a claim (cession) \u2014 the replacement of the creditor in an obligation (Articles 512\u2013519 of the Civil Code).<\/p>\n<p><strong>Key rules:<\/strong><\/p>\n<ul>\n<li><strong>the debtor\u2019s consent is not required<\/strong> \u2014 but they <strong>must be notified<\/strong> of the assignment;<\/li>\n<li><strong>the new creditor assumes the scope of rights<\/strong> of the original creditor: no more than what existed previously. If part of the debt was overdue or unlawfully charged, it remains so;<\/li>\n<li><strong>the debtor is entitled to raise against the new creditor all the defences<\/strong> that they had against the original creditor: limitation period, invalidity of the contract, partial repayment, set-off;<\/li>\n<li><strong>the form of the assignment agreement<\/strong> must correspond to the form of the principal obligation: if the principal contract is notarised, then the assignment must also be notarised.<\/li>\n<\/ul>\n<p>A breach of any of these rules constitutes grounds for challenging the claim.<\/p>\n<p><a href=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/vykup-borgiv-infografika.svg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-4146\" src=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/vykup-borgiv-infografika.svg\" alt=\"Debt purchase for the buyer\" \/><\/a><\/p>\n<h2>If you are buying a debt: what to check<\/h2>\n<p><strong>Does the debt actually exist?<\/strong> Original documents: contract, delivery notes, statements, calculations. Without them, the claim cannot be substantiated in court.<\/p>\n<p><strong>Limitation period.<\/strong> Three years for the principal debt, one year for interest. It will not be possible to recover an overdue claim if the debtor invokes the limitation period \u2014 and they will. Please note separately: the running of the limitation period, which was suspended during the quarantine and martial law, <strong>resumed on 4 September 2025<\/strong>.<\/p>\n<p><strong>Whether the contract<\/strong> from which the debt arose is uncontested, and whether the debtor has any counter-claims.<\/p>\n<p><strong>Is there anything from which to recover the debt?<\/strong> This is the key point. We check: property, vehicles, bank accounts, shares in companies, enforcement proceedings, and signs of insolvency. A debt owed by a solvent debtor is valuable; a debt owed by an \u2018empty\u2019 debtor is worth nothing.<\/p>\n<p><strong>Have there been any previous attempts at recovery<\/strong> \u2014 court judgments, closed enforcement proceedings with a certificate of no assets.<\/p>\n<p><strong>The real price.<\/strong> It is determined not by the size of the debt, but by <strong>the likelihood of recovery<\/strong>, multiplied by the timeframe.<\/p>\n<h2>If your debt has been sold: what to check<\/h2>\n<p><strong>Were you notified of the assignment?<\/strong> If not, you have the right to fulfil your obligation to the original creditor, and this will constitute proper performance. The new creditor will not be able to demand that you pay again.<\/p>\n<p><strong>Does this person have the right to purchase debts?<\/strong> The acquisition of a claim for monetary obligations is a financial service \u2014 and the person providing it must comply with the requirements of the law. Any breach here is grounds for challenging the debt assignment agreement.<\/p>\n<p><strong>What exactly has been purchased? <\/strong> Debt collectors often demand a sum significantly higher than the amount they actually purchased and to which they are entitled.<\/p>\n<p><strong>Has the limitation period expired?<\/strong> The purchase of the debt <strong>does not restart it<\/strong>. The debt collector will not be able to recover an overdue claim if you invoke the limitation period in court. However, they will not remind you of this themselves.<\/p>\n<p><strong>Are the charges lawful<\/strong> \u2014 late payment penalties, fees, and interest after the contract has expired.<\/p>\n<p><strong>Collection methods.<\/strong> Threats, calls to relatives and at work, and disclosure of information about the debt to third parties are unlawful. This is documented and becomes grounds for a complaint and a bargaining chip in negotiations.<\/p>\n<h2>The main trap for the debtor<\/h2>\n<p><strong>Never admit to a debt without verifying it first.<\/strong><\/p>\n<p>Partial payment or signing any document acknowledging the debt <strong>resets the limitation period<\/strong> \u2014 the clock starts ticking again. A debt that a debt collector would never have recovered in court becomes fully recoverable following a single \u2018symbolic\u2019 payment of 100 UAH, made \u2018just to get them off your back\u2019.<\/p>\n<p>This is precisely what most of these calls are designed to achieve.<\/p>\n<h2>When you don\u2019t need a solicitor<\/h2>\n<p>You are buying a debt from a solvent company with proper documentation, a recent debt confirmed by a court judgement \u2014 the risks are minimal.<\/p>\n<p>You need a solicitor when:<\/p>\n<ul>\n<li>you <strong>are buying a debt portfolio<\/strong> or a large claim;<\/li>\n<li>you <strong>are offered the chance to buy a debt<\/strong> at a discount \u2014 and you need to understand why the discount is so large;<\/li>\n<li><strong>your debt has been sold<\/strong> to debt collectors;<\/li>\n<li>debt collectors <strong>are putting pressure on you<\/strong> using unlawful methods;<\/li>\n<li>the amount of the claim <strong>does not match<\/strong> what you remember;<\/li>\n<li>the debt <strong>is old<\/strong>, and you do not know whether it can still be recovered.<\/li>\n<\/ul>\n<h2>How we work<\/h2>\n<ol>\n<li><strong>We verify the existence of the debt<\/strong> \u2014 source documents, calculations, grounds.<\/li>\n<li><strong>We calculate the limitation period<\/strong> \u2014 for each component separately.<\/li>\n<li><strong>We assess the debtor\u2019s solvency<\/strong> \u2014 whether there are sufficient assets from which to recover the debt.<\/li>\n<li><strong>We draft or review the assignment agreement<\/strong> \u2014 to ensure it cannot be contested.<\/li>\n<li><strong>We recover the debt<\/strong> \u2014 from the initial claim through to enforcement proceedings. <\/li>\n<li><strong>We defend the debtor<\/strong> \u2014 we challenge unlawful assignments, raise the defence of limitation, and remove unlawful charges.<\/li>\n<\/ol>\n<h2>Cost of services<\/h2>\n<table>\n<tbody>\n<tr>\n<th>Service<\/th>\n<th>Price<\/th>\n<\/tr>\n<tr>\n<td>Consultation<\/td>\n<td>from 1,500 UAH<\/td>\n<\/tr>\n<tr>\n<td>Legal opinion: debt verification and assessment of the likelihood of recovery<\/td>\n<td>from 5,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Drafting or reviewing an assignment of claims agreement<\/td>\n<td>from 5,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Claims, negotiations, pre-litigation settlement<\/td>\n<td>from 5,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Preparation of a statement of claim and procedural documents<\/td>\n<td>from 5,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Participation in one court hearing<\/td>\n<td>from 3,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Court representation<\/td>\n<td>from 10,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Comprehensive support for civil cases<\/td>\n<td>from 25,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Support during enforcement proceedings<\/td>\n<td>from 3,000 UAH<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a href=\"https:\/\/svaroglaw.com\/en\/cziny-poslug\/\">Full price list<\/a> \u00b7 <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/styagnennya-borgu\/\">Debt recovery<\/a><\/p>\n<h2>Questions and answers (Debt purchase)<\/h2>\n<h3>Is the debtor\u2019s consent required to sell their debt?<\/h3>\n<p>No, consent is not required. However, the debtor must be notified of the assignment \u2014 otherwise, they have the right to pay the original creditor.<\/p>\n<h3>Is the limitation period reset after the debt is purchased?<\/h3>\n<p>No. The new creditor acquires exactly the same rights as the original creditor, including the expired limitation period. It will not be possible to recover an overdue claim if the debtor invokes the limitation period.<\/p>\n<h3>Debt collectors are demanding more than I owe. Is this legal?<\/h3>\n<p>Check carefully. Often, the claim includes unlawfully charged late payment penalties, fees and interest accrued after the contract\u2019s expiry date. And it is often higher than the amount the debt collector actually purchased the debt for.<\/p>\n<h3>I wasn\u2019t notified that the debt had been sold. What does this mean?<\/h3>\n<p>It means you have the right to fulfil your obligation to the original creditor, and this will constitute proper fulfilment. The new creditor cannot demand payment again.<\/p>\n<h3>Can the assignment agreement be challenged?<\/h3>\n<p>Yes \u2014 on the grounds of a breach of form, the new creditor\u2019s failure to meet the requirements for financial service providers, or other breaches. This is a valid and workable basis for challenge.<\/p>\n<h3>Is it worth paying the debt collector \u2018even a little, just to get them off my back\u2019?<\/h3>\n<p>Absolutely not, until the debt has been verified. A partial payment interrupts the limitation period \u2014 and a debt that could never have been recovered in court becomes fully recoverable.<\/p>\n<h3>How much is a debt worth when purchased?<\/h3>\n<p>It is worth as much as the probability of its recovery. A debt owed by a solvent debtor is expensive; a debt owed by someone with no assets is practically worthless.<\/p>\n<h3>What should you check before buying a debt?<\/h3>\n<p>The existence of the debt (original documents), the limitation period, the absence of disputes regarding the contract and, most importantly, whether the debtor has assets from which the debt can be recovered.<\/p>\n<h3>What documents should you bring to a consultation?<\/h3>\n<p>The assignment agreement (if available), the debt collector\u2019s demand letter, the original contract, a statement of the debt, and evidence of partial payments.<\/p>\n<h2>Contacting a solicitor regarding the purchase of debts from the company \u2018Svarog\u2019<\/h2>\n<p>If you are buying a debt \u2014 send us the documents, and we will check whether it is legally valid and whether there is anyone from whom to recover the debt. If you have sold your debt \u2014 send us the debt collector\u2019s claim, and we will check the legality of the assignment and the amount of charges. And most importantly: do not pay anything until the debt has been verified.<\/p>\n<p><strong><a href=\"tel:380955545424\">+38 095 554-54-24<\/a><\/strong> \u00b7 Kyiv, 7 Khoriva Street (Podil) \u00b7 Mon\u2013Fri 9.00\u201318.00<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Debt purchasing works both ways, and this page is for both parties. If you are buying a debt, the key question is not \u2018how much\u2019, but whether it actually exists: has the limitation period expired, has the contract been contested, and does the debtor have any assets from which the debt can be recovered? Buying [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2275,"parent":2301,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/with-sidebar.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2309","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Debt purchase, Debt sale \u2014 legal services and prices<\/title>\n<meta name=\"description\" content=\"If you\u2019re buying a debt, check that it actually exists and that there is someone from whom it can be recovered. We challenge unlawful assignments. 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