{"id":3372,"date":"2026-07-03T12:01:23","date_gmt":"2026-07-03T09:01:23","guid":{"rendered":"https:\/\/svaroglaw.com\/advokat-po-kredytam\/restrukturizacziya-kreditiv\/"},"modified":"2026-07-03T12:03:57","modified_gmt":"2026-07-03T09:03:57","slug":"restrukturizacziya-kreditiv","status":"publish","type":"page","link":"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/restrukturizacziya-kreditiv\/","title":{"rendered":"Loan restructuring"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Many borrowers periodically face difficulties in repaying their loans. According to statistics, approximately one-third of all lending cases involve outstanding debts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Each borrower chooses their own way of resolving these issues. Among the most popular are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>      borrowing from family or friends to repay the debt;<\/li>\n\n\n\n<li>      taking out a loan from another bank or a microfinance organisation;<\/li>\n\n\n\n<li>      ignoring demands to repay debts.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you are facing a similar problem and do not know how to resolve the situation, the best solution would be to restructure your loan debt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Causes of the problem<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In the vast majority of cases, arrears on loan obligations arise for the following reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>      a fall in borrowers\u2019 income;<\/li>\n\n\n\n<li>      inability to cope with the financial burden of making repayments;<\/li>\n\n\n\n<li>      loss of employment as the main source of income;<\/li>\n\n\n\n<li>      financial shortfalls due to inflation;<\/li>\n\n\n\n<li>      inability to allocate funds wisely.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How is loan debt restructuring carried out?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The following set of restructuring measures is currently available:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>      extension to a new term;<\/li>\n\n\n\n<li>      adjustment of the repayment schedule;<\/li>\n\n\n\n<li>      payment holidays.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It is important to understand that only professional lawyers with experience in this type of work can guarantee the success of a debt restructuring case.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Loan restructuring with Svarog<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The firm\u2019s lawyers take responsibility for the entire loan restructuring process. The services provided include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>      comprehensive advice;<\/li>\n\n\n\n<li>      legal due diligence on the client and the creditor;<\/li>\n\n\n\n<li>      development of acceptable debt restructuring options;<\/li>\n\n\n\n<li>      representation of clients\u2019 interests and correspondence with the bank;<\/li>\n\n\n\n<li>      Support with the documentation for the restructuring.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Expert assistance from Svarog<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Restructuring loan debt with the help of Svarog\u2019s specialists provides a competent and swift solution to the problem in the client\u2019s best interests.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Key benefits of consulting Svarog\u2019s lawyers include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>      each case is considered on an individual basis;<\/li>\n\n\n\n<li>      in-depth analysis of the situation;<\/li>\n\n\n\n<li>      clear advice and support throughout the process;<\/li>\n\n\n\n<li>      payment for services only if the case is successful.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Svarog\u2019s specialists know exactly how to approach the issue of loan debt restructuring, so you can always be 100% confident in the outcome.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many borrowers periodically face difficulties in repaying their loans. According to statistics, approximately one-third of all lending cases involve outstanding debts. Each borrower chooses their own way of resolving these issues. Among the most popular are: If you are facing a similar problem and do not know how to resolve the situation, the best solution [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3373,"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-3372","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Loan restructuring and debt restructuring, legal services<\/title>\n<meta name=\"description\" content=\"Restructuring of loans and outstanding debt with the assistance of a solicitor. 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