Anti-collector

Description

Tired of constant calls and threats from collectors? The lawyers of YURKONSALT stop this pressure and force creditors to act according to the law. Contact us right now.

When you can’t return the money to the MFO on time, psychological terror begins. Collectors call at night, bother relatives, message at work, and threaten to seize property. This is illegal, but the goal is the same — to make you pay more than you truly owe. If you want to stop the constant calls from collectors, you need to act immediately.

Ignoring the problem only increases the debt due to exorbitant interest and penalties. A creditor may apply to a notary, and your bank cards will be blocked in a single day. Our anti-collector stops this process, protects your rights, and helps you close the loan on reasonable terms.

What collectors are prohibited from doing by law

Since 2021, a law has been in effect in Ukraine that clearly limits the actions of collection companies. They are not allowed to call you at night, trouble you more than twice a day, or threaten you. It’s especially important to know how family protection from creditors works, because calls to relatives without their consent are a gross violation.

We document every such case. The collected evidence becomes the basis for complaints to the National Bank of Ukraine. After that, the collection company risks losing its license or being hit with a huge fine.

How to stop the telephone terror of collectors

Calls from MFOs are a psychological attack designed to throw you off balance. They call your workplace, write on social media, and create unbearable conditions. If the pressure goes beyond all limits, you have every right to sue the collectors.

When our lawyer takes over your case, the situation changes. We officially notify the creditor that we represent your interests. From that moment on, all negotiations are conducted exclusively through us, and your phone finally gets quiet.

Challenging a notary’s enforcement writ

An enforcement writ is a tool that allows MFOs to block your bank cards without going to court. You’ll find out about it when you can’t pay in a store or when money starts being deducted from your salary. The only way out is canceling the notary’s enforcement writ through court.

We prepare the lawsuit, stop enforcement, and unlock accounts. For example, our court practice against Online Finans shows that such writs are easily recognized as unlawful, and the money is returned to you.

Restructuring and writing off MFO debts

Microfinance organizations often charge space-high interest and penalties that exceed the loan principal several times. There is no point in paying these amounts. We analyze your agreement and identify violations that allow such charges to be declared unlawful.

As a result of negotiations, the creditor agrees to real terms. You pay only the principal of the loan or a fixed amount with a large discount, and we write off all unlawful fines.

Judicial protection from microfinance organizations

Many debtors are afraid of courts, but in reality, court is your chance to reduce the debt officially. If an MFO files a lawsuit, we prepare a strong response and break their arguments. You appear in the process as an equal opponent.

We prove the unlawfulness of inflated interest and commissions. As our successful case against Kredit-Kapital shows, the right legal position allows not only canceling the demands, but also recovering legal costs from the creditor.

Bankruptcy as an alternative way out of debts

If the amount of debts to different banks and MFOs has become unmanageable, and your income is not enough even for minimum payments, there is another path. The official bankruptcy procedure for an individual allows all debts to be legally written off.

This is a complex but effective mechanism. We accompany you at every stage, protect your property from being sold, and help you start financial life from a clean slate.

Cost of anti-collector services

Primary consultation at our office is free. We thoroughly analyze your situation, review agreements, and honestly tell you how we can help. You immediately understand your prospects and risks.

Further work is paid for at a clearly agreed price, which is recorded in the contract. You pay for specific legal actions that deliver results, not abstract promises.

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