{"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":"2026-07-15T11:45:05","modified_gmt":"2026-07-15T08:45:05","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 \u2018clever way to avoid paying\u2019, but a legal procedure with its own costs and consequences. It does indeed allow you to have your debts to banks, microfinance organisations and debt collectors written off. However, it <strong>does not write off maintenance payments<\/strong>, <strong>does not write off compensation for harm to life and health<\/strong>, and restricts your access to <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/\">loans<\/a> and business activities for several years. Therefore, the key question during a consultation is not \u2018how to file for it\u2019, but <strong>whether it is actually in your best interests<\/strong>. Sometimes debt restructuring is cheaper, sometimes the debt can be contested altogether, and sometimes bankruptcy is the only way out. We calculate this honestly: how much the procedure will cost, what you will lose, what will be written off, and what will remain.<\/p>\n<p><strong><a href=\"tel:380955545424\">+38 095 554-54-24<\/a> \u2014 legal advice<\/strong><\/p>\n<h2>Who can file an application<\/h2>\n<p>The grounds are set out in the Ukrainian Code of Bankruptcy Procedures. Any one of them is sufficient:<\/p>\n<ul>\n<li><strong>the debt amounts to at least 30 minimum wages<\/strong>;<\/li>\n<li>the debtor <strong>has ceased to repay<\/strong> loans or other scheduled payments <strong>amounting to more than 50 per cent<\/strong> of monthly payments;<\/li>\n<li><strong>a state or private enforcement officer<\/strong> has drawn up a report confirming that the debtor has no assets against which enforcement proceedings can be brought;<\/li>\n<li>there are <strong>other circumstances<\/strong> confirming the risk of insolvency.<\/li>\n<\/ul>\n<p>Important: the case is heard by <strong>the commercial court<\/strong>, and bankruptcy proceedings for an individual can be initiated <strong>only by the debtor themselves<\/strong> \u2014 creditors do not have this right.<\/p>\n<h2>What are the benefits of commencing proceedings?<\/h2>\n<p>This takes effect immediately, even before debts are written off:<\/p>\n<ul>\n<li><strong>the accrual of<\/strong> fines, penalties and interest is suspended;<\/li>\n<li><strong>the amount of the debt is fixed<\/strong> as at the date proceedings are commenced;<\/li>\n<li><strong>enforcement proceedings are suspended<\/strong>, and account freezes are lifted;<\/li>\n<li><strong>debt collectors and banks lose the right<\/strong> to demand payment directly \u2014 all claims must go through the court;<\/li>\n<li><strong>a moratorium<\/strong> on the satisfaction of creditors\u2019 claims comes into effect.<\/li>\n<\/ul>\n<p>For someone whose entire salary is being garnished and whose phone is ringing off the hook with calls from debt collectors, this is often more important than the debt write-off itself.<\/p>\n<h2>Two procedures<\/h2>\n<p><strong>1. Debt restructuring.<\/strong> The administrator and creditors agree on a plan: deferral, reduced payments, partial write-off of penalties and interest. The plan must be approved within <strong>120 days<\/strong> from the date proceedings are opened. If the plan is approved, you pay according to the new schedule and retain your assets.<strong>2. Debt settlement (declaration of bankruptcy).<\/strong> If the plan is not approved, the court declares the debtor bankrupt. Assets (other than those exempt from seizure) are sold, the proceeds are distributed amongst the creditors, <strong>the remaining debt is written off<\/strong>.<\/p>\n<h2>What is NOT written off<\/h2>\n<p>Those who market bankruptcy as a \u2018magic button\u2019 fail to mention this:<\/p>\n<ul>\n<li><strong>maintenance payments<\/strong>;<\/li>\n<li><strong>compensation for harm caused to life and health<\/strong>;<\/li>\n<li>claims which the debtor <strong>failed to disclose<\/strong> in their application (hidden creditors);<\/li>\n<li>debts arising <strong>after<\/strong> the commencement of proceedings.<\/li>\n<\/ul>\n<p>Furthermore, debt obligations <strong>are not written off<\/strong> if the court finds that the debtor acted in bad faith: concealed assets, provided false information, or took out loans with no intention of repaying them.<\/p>\n<h2>Consequences to consider<\/h2>\n<ul>\n<li>for <strong>five years<\/strong>, when applying for a loan, you are obliged to <strong>disclose the fact of bankruptcy<\/strong>;<\/li>\n<li>for <strong>three years<\/strong>, you will not be regarded as a person of impeccable business reputation \u2014 this restricts your eligibility for management positions and certain types of activity;<\/li>\n<li><strong>your assets will be sold<\/strong> \u2014 except for everyday household items and other property that is exempt from seizure;<\/li>\n<li><strong>mortgaged property<\/strong> is subject to special rules: everything here depends on the terms of the loan, and this issue in particular should be discussed separately during a consultation;<\/li>\n<li><strong>you cannot<\/strong> file for bankruptcy again for at least five years.<\/li>\n<\/ul>\n<h2>How much does it actually cost?<\/h2>\n<p>The main reason why applications \u2018get stuck\u2019: people focus on the court fee and forget about the rest.<\/p>\n<ul>\n<li><strong>Court fees<\/strong> \u2014 0.4 times the minimum subsistence level, i.e. <strong>1,331.20 UAH<\/strong> (2026). This is indeed a small amount: for a standard claim for a debt of 500,000 UAH, the fee would be 7,500 UAH.<\/li>\n<li><strong>Advance payment of the insolvency practitioner\u2019s remuneration<\/strong> \u2014 three times the minimum wage for three months\u2019 term of office. This is the main expense, and <strong>without it, the application is rejected<\/strong>.<\/li>\n<li><strong>Lawyer\u2019s fees<\/strong> for handling the proceedings.<\/li>\n<li>Costs of valuing and realising the assets.<\/li>\n<\/ul>\n<p>According to case law, one in five applications from individuals is rejected precisely because of financial or technical errors: an unpaid fee, or an advance payment transferred to the wrong account. <a href=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/bankrutstvo-fizosoby-infografika.svg\"><img decoding=\"async\" class=\"alignnone wp-image-3821 size-full\" src=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/bankrutstvo-fizosoby-infografika.svg\" alt=\"Personal bankruptcy: grounds, what is written off and what is not\" \/><\/a><\/p>\n<h2>When bankruptcy is not necessary<\/h2>\n<p>Let\u2019s be clear, as the market is full of adverts promising \u2018we\u2019ll write off all your debts\u2019:<\/p>\n<ul>\n<li><strong>the debt is small<\/strong> \u2014 the costs of the procedure will eat into any benefit;<\/li>\n<li><strong>the main debt is maintenance<\/strong> \u2014 this is never written off;<\/li>\n<li><strong>you have valuable assets<\/strong> that you are not prepared to lose;<\/li>\n<li><strong>the debt can be contested<\/strong> \u2014 unlawful interest charged by microfinance organisations, the limitation period having expired, or an invalid guarantee agreement. Sometimes it is cheaper to win a court case than to file for bankruptcy;<\/li>\n<li><strong>the bank is willing to restructure the debt<\/strong> \u2014 this is usually cheaper and has no negative consequences.<\/li>\n<\/ul>\n<p>Bankruptcy is justified when the debt is substantial, there is objectively no income to repay it, and pressure from creditors makes a normal life impossible.<\/p>\n<h2>How we work<\/h2>\n<ol>\n<li><strong>We assess the feasibility<\/strong> \u2014 how much will be written off, how much it will cost, and what you stand to lose. This is the most important thing.<\/li>\n<li><strong>We check the debt<\/strong> \u2014 it may be that part of it is unlawful or that the limitation period has expired.<\/li>\n<li><strong>We prepare the application<\/strong> with a full set of documents \u2014 this is where one in five cases is screened out.<\/li>\n<li><strong>We manage the procedure<\/strong> \u2014 liaising with the insolvency practitioner and creditors.<\/li>\n<li><strong>We protect your assets<\/strong> \u2014 within the law, taking into account the list of assets that are exempt from seizure.<\/li>\n<li><strong>We ensure the write-off<\/strong> of debts and the closure of proceedings.<\/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 on bankruptcy matters<\/td>\n<td>from 1,500 UAH<\/td>\n<\/tr>\n<tr>\n<td>Legal opinion: assessment of the feasibility of bankruptcy<\/td>\n<td>from 5,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Preparation of the application and documentation<\/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&lt;\/ td&gt;<\/td>\n<\/tr>\n<tr>\n<td>Legal representation in court<\/td>\n<td>from 10,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Comprehensive \u2018turnkey\u2019 support for bankruptcy proceedings<\/td>\n<td>[INSERT: price \u2014 no separate line in the price list]<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>The following are charged separately:<\/strong> court fees of 1,331.20 UAH, an advance payment towards the insolvency practitioner\u2019s remuneration (three times the minimum wage), and costs for the valuation and realisation of assets. <a href=\"https:\/\/svaroglaw.com\/en\/cziny-poslug\/\">Full price list<\/a> \u00b7 <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/restrukturyzacziya-borgu\/\">Debt restructuring<\/a><\/p>\n<h2>Questions and answers (Bankruptcy of a natural person)<\/h2>\n<h3>What level of debt qualifies for filing for bankruptcy?<\/h3>\n<p>Any one of the following grounds is sufficient: debt of at least 30 minimum wages; failure to make over 50 per cent of monthly payments; a bailiff\u2019s report confirming the absence of assets; or other circumstances indicating a risk of insolvency.<\/p>\n<h3>Will all debts be written off?<\/h3>\n<p>No. Alimony, compensation for harm to life and health, claims by hidden creditors and debts incurred after the commencement of proceedings will not be written off. Debts will also not be written off if the debtor has acted in bad faith.<\/p>\n<h3>Will my only home be taken away?<\/h3>\n<p>This is the most difficult question, and the answer depends on whether the property is mortgaged and under what terms. Each case must be assessed individually \u2014 there is no one-size-fits-all answer.<\/p>\n<h3>How much does the procedure cost?<\/h3>\n<p>Court fees \u2014 1,331.20 UAH (2026). The main expense is the advance payment of the insolvency practitioner\u2019s fee (three times the minimum wage). Plus the solicitor\u2019s fee.<\/p>\n<h3>Will the calls from debt collectors stop?<\/h3>\n<p>Yes. Once proceedings have been opened, claims can only be settled through the courts, and the accrual of late payment interest and penalties ceases. Enforcement proceedings are suspended and asset seizures are lifted.<\/p>\n<h3>How long does bankruptcy take?<\/h3>\n<p>You have 120 days from the date proceedings are opened to have the restructuring plan approved. The entire procedure usually takes from one year, depending on the composition of the assets and the number of creditors.<\/p>\n<h3>What are the consequences for me after bankruptcy?<\/h3>\n<p>Five years \u2014 an obligation to disclose the bankruptcy when applying for a loan; three years \u2014 restrictions on business reputation; a second bankruptcy \u2014 no earlier than five years later.<\/p>\n<h3>Can a bank file for my bankruptcy?<\/h3>\n<p>No. Only the debtor themselves has the right to initiate personal bankruptcy.<\/p>\n<h3>What documents should I bring to the consultation?<\/h3>\n<p>Loan agreements, statements of debt, enforcement proceedings documents, property documents, proof of income, and a list of all creditors.<\/p>\n<h2>Contact a solicitor at Svarog regarding personal bankruptcy<\/h2>\n<p>Send us a list of your debts and property documents \u2014 we\u2019ll work out how much can realistically be written off, how much the procedure will cost and what you stand to lose. If bankruptcy isn\u2019t in your best interests, we\u2019ll tell you straight and suggest an alternative: debt restructuring or challenging the debt. <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>Personal bankruptcy is not a \u2018clever way to avoid paying\u2019, but a legal procedure with its own costs and consequences. It does indeed allow you to have your debts to banks, microfinance organisations and debt collectors written off. However, it does not write off maintenance payments, does not write off compensation for harm to life [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2284,"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-2313","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>Support with personal bankruptcy proceedings, debt write-offs, solicitor, lawyer, 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\" 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