{"id":2313,"date":"2026-06-01T13:45:48","date_gmt":"2026-06-01T10:45:48","guid":{"rendered":"https:\/\/svaroglaw.com\/advokat-po-kredytam\/proczedura-bankrutstva-fizychnoyi-osoby\/"},"modified":"2026-09-14T15:02:51","modified_gmt":"2026-09-14T12:02:51","slug":"proczedura-bankrutstva-fizychnoyi-osoby","status":"publish","type":"page","link":"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/proczedura-bankrutstva-fizychnoyi-osoby\/","title":{"rendered":"Bankruptcy proceedings for individuals"},"content":{"rendered":"<p>Personal bankruptcy is not a clever way of avoiding payment but a court procedure with its own price and its own consequences. It does allow debts to banks, microfinance lenders and debt collectors to be written off, but it does not write off child maintenance or compensation for harm to life and health. For five years afterwards you must disclose your status to banks when applying for <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/\">credit<\/a>, and for three years you are not regarded as a person of impeccable business reputation, which closes off certain senior positions.<\/p>\n<p>So at the consultation we start not with \u201chow to file\u201d but with the arithmetic: what the procedure will cost, what will be written off, what will remain and what you will lose. Sometimes restructuring works out cheaper, sometimes the debt itself can be challenged, and sometimes personal bankruptcy really is the only way out.<\/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>Who can file<\/h2>\n<p>Handling a personal bankruptcy starts with checking the grounds set out in the Code of Ukraine on Bankruptcy Procedures. Any one of them is enough:<\/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=\"M6 3h8l4 4v14H6z\"\/><path d=\"M14 3v4h4M9 12h6M9 16h6\"\/><\/svg><\/span>\n\t\t\t\t<h3 class=\"sb-panel__title\">Grounds for applying<\/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 3h12v18l-2-1.5L14 21l-2-1.5L10 21l-2-1.5L6 21z\"\/><path d=\"M9 8h6M9 12h6M9 16h4\"\/><\/svg><span><strong>the debt is at least 30 minimum wages<\/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=\"M3 5l6 6 4-4 8 8\"\/><path d=\"M15 15h6V9\"\/><\/svg><span>the debtor <strong>has stopped repaying<\/strong> loans or other scheduled payments <strong>amounting to more than 50 %<\/strong> of the monthly payments <strong>for two months<\/strong> or longer;<\/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 <strong>state or private bailiff<\/strong> has certified that the debtor has no assets that can be seized;<\/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 3 2 20h20z\"\/><path d=\"M12 10v5M12 17.6v.4\"\/><\/svg><span>there are <strong>other circumstances<\/strong> confirming a threat of insolvency.<\/span><\/li><\/ul>\n\t\t<\/div><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>The case is heard by a <strong>commercial court<\/strong>, and only the debtor can initiate personal bankruptcy: creditors have no such right (Art. 115(1) of the Bankruptcy Code).<\/p><\/div><\/div>\n<h2>What opening the proceedings achieves<\/h2>\n<p>This takes effect immediately, before anything is written off:<\/p>\n<div class=\"sb-panel sb-panel--light\">\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=\"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>\n\t\t\t\t<h3 class=\"sb-panel__title\">Effect from day one<\/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=\"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>fines, penalties and interest <strong>stop accruing<\/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=\"10\" width=\"16\" height=\"11\" rx=\"2\"\/><path d=\"M8 10V7a4 4 0 0 1 8 0v3\"\/><\/svg><span>the amount of the debt is <strong>fixed<\/strong> as at the date the proceedings open;<\/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>enforcement proceedings are stayed<\/strong> and account freezes are lifted;<\/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><strong>collectors and banks lose the right<\/strong> to demand payment directly: every claim goes through the court;<\/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>a <strong>moratorium<\/strong> applies to satisfying creditors\u2019 claims.<\/span><\/li><\/ul>\n\t\t<\/div>\n<p>For someone whose wages are being deducted and who is called by collectors every day, that often matters more than the write-off itself.<\/p>\n<h2>The two procedures the court chooses between<\/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>Debt restructuring<\/span><div class=\"sb-way__body\"><p>The insolvency practitioner and the creditors agree a plan: deferral, reduced payments, partial write-off of penalties and interest. The plan must be approved within 120 days of the proceedings opening (Art. 124 of the Bankruptcy Code). If it is approved, you pay under the new schedule and keep your property.<\/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>Debt discharge<\/span><div class=\"sb-way__body\"><p>That is, being declared bankrupt. If no plan is approved, the court declares the debtor bankrupt. Property other than assets exempt from seizure is sold, the proceeds are distributed among the creditors, and the remaining debt is written off.<\/p><\/div><\/div><\/div>\n<h2>What is not written off<\/h2>\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=\"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>child maintenance<\/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=\"M12 5v14M5 12h14\"\/><\/svg><span><strong>compensation for harm to life and health<\/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=\"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>claims the debtor <strong>failed to disclose<\/strong> in the application (hidden creditors);<\/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>debts arising <strong>after<\/strong> the proceedings opened.<\/span><\/li><\/ul><\/div>\n<p>Debts are also not written off if the court finds the debtor acted in bad faith: concealed assets, false statements in the application, or loans taken deliberately with no intention of repaying.<\/p>\n<h2>Consequences to weigh up<\/h2>\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>for <strong>five years<\/strong> you must <strong>disclose the bankruptcy<\/strong> whenever you apply for credit;<\/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>for <strong>three years<\/strong> you are not regarded as a person of impeccable business reputation, which restricts senior positions and certain activities (Art. 135 of the Bankruptcy Code);<\/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>property is sold<\/strong>, apart from everyday items and other assets exempt from seizure;<\/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 11 12 3l9 8\"\/><path d=\"M5 10v10h14V10\"\/><path d=\"M10 20v-6h4v6\"\/><\/svg><span><strong>mortgaged housing<\/strong> has a special regime, and its fate depends on the currency and terms of the 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\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3 2\"\/><\/svg><span>you cannot start bankruptcy <strong>again<\/strong> for five years.<\/span><\/li><\/ul><\/div>\n<p>The law does not ban you from working, running a business or borrowing: what it imposes is the duty to disclose your status and reputational restrictions.<\/p>\n<h2>What it actually costs<\/h2>\n<p>Applications usually stall not because the case is complex but because the budget was miscalculated:<\/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 the budget consists of<\/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=\"M5 12l4 4L19 7\"\/><\/svg><span><strong>there is no court fee.<\/strong> An individual debtor pays no court fee to apply for insolvency proceedings: the Law \u201cOn Court Fees\u201d sets a rate only for a creditor\u2019s application and for a corporate debtor;<\/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>advance payment of the insolvency practitioner\u2019s fee for three months<\/strong> is the main expense. Evidence of that advance must be attached to the application (Art. 116 of the Bankruptcy Code); without it the application is left without movement and then returned. The practitioner\u2019s monthly fee in an individual\u2019s case is tied to the subsistence minimum for able-bodied persons (Art. 30), so the advance runs to tens of thousands of hryvnias; we calculate the exact figure at the consultation from the current wording;<\/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><strong>the lawyer\u2019s fee<\/strong> for preparing the application and handling the procedure;<\/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><strong>the cost of valuing and selling assets<\/strong>, if the case moves into the discharge procedure.<\/span><\/li><\/ul>\n\t\t<\/div><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>Technical errors also stall a case: an advance paid into the wrong account, or an incomplete document pack, cost months of waiting.<\/p><\/div><\/div>\n<p><a href=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/bankrutstvo-fizosoby-infografika-en.svg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-5474\" src=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/bankrutstvo-fizosoby-infografika-en.svg\" alt=\"Personal bankruptcy: the grounds, what is written off and what is not\" \/><\/a><\/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 2025 a man came to us with total debts of about 600,000 UAH: a consumer loan, two credit cards and several microloans on which the interest already exceeded the principal. Bailiffs were deducting half his wages and collectors called every day. We first checked the debts themselves: on two microloans the charges turned out to be inflated, and those amounts were reduced before any court hearing. We then costed the procedure and showed the client how much would be left to write off. He chose bankruptcy. Once the proceedings opened, interest stopped, the account freezes were lifted, and the case ended with a declaration of bankruptcy and a write-off of the balance: apart from everyday items the client had no assets. About eighteen months passed from his first approach to the case being closed. (details changed)<\/p><\/div>\n<h2>When bankruptcy is not worth it<\/h2>\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\"><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>the debt is small<\/strong>: the cost of the procedure will swallow the benefit;<\/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>the main debt is maintenance<\/strong>, which is not written off at all;<\/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 11 12 3l9 8\"\/><path d=\"M5 10v10h14V10\"\/><path d=\"M10 20v-6h4v6\"\/><\/svg><span><strong>there are valuable assets<\/strong> you are not prepared to lose;<\/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>the debt can be challenged<\/strong>: unlawful microfinance interest, an expired limitation period, an invalid guarantee. Winning that case is often cheaper than going bankrupt;<\/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>the bank is willing to restructure<\/strong>: that is usually cheaper and carries no reputational consequences.<\/span><\/li><\/ul><\/div>\n<p>Bankruptcy is justified where the debt is large, there is objectively no income to repay it, and pressure from creditors makes normal life impossible.<\/p>\n<h2>How we work<\/h2>\n<ol class=\"sb-proc\"><li><strong>We assess whether it is worth it<\/strong>: how much will be written off, what the procedure will cost, what you will lose.<\/li><li><strong>We check the debt<\/strong>: part of the charges may be unlawful, or the limitation period may have expired.<\/li><li><strong>We prepare the application<\/strong> with the full document pack and proof that the practitioner\u2019s fee has been advanced.<\/li><li><strong>We handle the procedure<\/strong>: dealing with the insolvency practitioner and creditors, creditors\u2019 meetings, the restructuring plan.<\/li><li><strong>We protect assets<\/strong> within the law, using the list of property exempt from seizure.<\/li><li><strong>We see it through<\/strong> to the write-off and the closing of the proceedings.<\/li><\/ol>\n<h2>Cost of services<\/h2>\n<div class=\"sb-price\"><div class=\"sb-price__row\"><span>Consultation on bankruptcy<\/span><b><i>from<\/i>1,500 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Legal opinion: whether bankruptcy is worthwhile<\/span><b><i>from<\/i>5,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Preparation of the application and document pack<\/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 bankruptcy<\/span><b><i>from<\/i>30,000 UAH<\/b><\/div><\/div>\n<p><strong>Paid separately:<\/strong> the advance of the insolvency practitioner\u2019s fee for three months, and the cost of valuing and selling assets. An individual debtor pays no court fee, so the figure you see in the budget is almost entirely the practitioner\u2019s advance. For comparison: had you instead sued the creditor in ordinary proceedings, the court fee would have been 1 % of the value of the claim, from 1,331.20 to 16,640 UAH.<\/p>\n<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\/restrukturyzacziya-borgu\/\"><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>Debt restructuring<\/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 debt lawyer<\/a><\/li><\/ul>\n<h2>Questions and answers (personal bankruptcy)<\/h2>\n<div class=\"sb-faq\"><details class=\"sb-faq__item\" open><summary><h3>How long does it take from filing to the proceedings opening?<\/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>With a complete document pack the court decides whether to open proceedings within a few weeks. The delay is usually not the court\u2019s: the application is left without movement because there is no proof of the advance or the list of creditors is incomplete, which adds another month to put right.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>What happens to a mortgaged home?<\/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>For foreign-currency loans secured by a mortgage over a sole home, the Bankruptcy Code lays down special restructuring rules (Art. 133): the obligation is converted into hryvnia and the creditor\u2019s claim is tied to the valuation of the home. Otherwise the mortgaged property satisfies the secured creditor\u2019s claim in the usual way, so a decision to go bankrupt while a mortgage is live is taken only after a separate calculation.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>Will bankruptcy affect my spouse\u2019s property?<\/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>Property acquired during the marriage is joint matrimonial property, so the debtor\u2019s share goes into the estate: in practice that means separating the share or selling the asset and paying the other spouse their part. The non-debtor spouse\u2019s personal property, including anything acquired before the marriage or inherited, is not touched.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>Can I file if I have no assets at all?<\/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, and a bailiff\u2019s certificate that there are no assets is itself a ground for applying. But having no assets does not remove the requirement to advance the practitioner\u2019s fee, so that money still has to be found before filing. This is where the procedure most often stalls.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>What happens to the debt of a creditor who did not lodge a claim in the case?<\/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>Claims not lodged within the period set after the opening is announced are treated as discharged. There is an important exception: if you yourself failed to list a creditor in the application, that debt is not written off and they can recover it once the procedure ends. So we cross-check the list of creditors against your credit history and the registers.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>Can I work and keep a sole trader registration during the procedure?<\/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. Neither the opening of proceedings nor a declaration of bankruptcy removes the right to work or to be a sole trader. The restrictions concern dealing with property (significant transactions are agreed with the practitioner) and positions requiring an impeccable business reputation.<\/p><\/div><\/details><\/div><div class=\"sb-closing\"><h2>Contact Svarog about personal bankruptcy<\/h2>\n<p>Send us a list of the debts and the documents for your property: we will calculate how much would actually be written off, what the procedure would cost and what you would lose. If the figures show that bankruptcy is not in your interest, we will propose an alternative \u2014 restructuring or challenging the debt itself.<\/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>Personal bankruptcy is not a clever way of avoiding payment but a court procedure with its own price and its own consequences. It does allow debts to banks, microfinance lenders and debt collectors to be written off, but it does not write off child maintenance or compensation for harm to life and health. For five [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2284,"parent":2301,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/service.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2313","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>Support with personal bankruptcy proceedings, debt write-offs, lawyer, advocate, fees<\/title>\n<meta name=\"description\" content=\"Legal support for individuals: debt analysis, documentation, court proceedings, and representation of debtors or creditors.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/proczedura-bankrutstva-fizychnoyi-osoby\/\" 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