01 / SERVICE
Loan disputes with banks
A letter demanding early repayment of the whole loan, a court order in the post or a frozen card is often the first sign that a dispute with the bank has begun.
PRACTICE
Debts and loans
The bank wants the whole loan back, collectors are calling your relatives, the bailiffs are taking your salary. We check the debt itself, protect you from unlawful pressure and help set up a repayment path you can manage.
- For whom
- For private individuals
- Format
- Moscow and remotely across Russia
SERVICES
Services in this practice
02 / SERVICE
Protection from debt collectors
Ten calls a day from different numbers, messages to colleagues, visits to your parents: not every collector works like this, but such cases are common.
03 / SERVICE
Debt restructuring
Your income has fallen, repayments on several loans swallow almost all your salary, and the arrears have started.
QUESTIONS
Frequently asked questions
I can no longer make my loan payments. Where do I start?
Keep talking to the bank: tell them about your difficulties, ask for restructuring or a payment holiday if you qualify, and assess all your debts together. If you have several loans, we compare the options: an arrangement with the banks, refinancing, bankruptcy.
Can my only home be taken?
As a general rule, the only home where the debtor lives with the family is not taken unless it is mortgaged. There are exceptions: for very expensive property, courts sometimes allow it to be replaced with more modest housing.
How much can bailiffs deduct from wages or a pension?
Under Federal Law No. 229-FZ of 2 October 2007 on Enforcement Proceedings, as a rule no more than half of the income. The debtor may ask for a monthly income at the subsistence minimum to be preserved. For child support and some other debts, deductions can be higher.
Who is entitled to a payment holiday?
It is a deferral of payments for up to six months on a consumer loan or mortgage. Federal Law No. 353-FZ of 21 December 2013 on Consumer Credit (Loans) grants it when income falls noticeably and in other hardship situations, provided the loan does not exceed the set limit.
When should I consider bankruptcy?
When the debt clearly cannot be repaid within a reasonable time and payments swallow all your income. There are court and out-of-court procedures (through the MFC), each with its own conditions and consequences. We compare them with other options before recommending anything.
NEXT STEP
Let us discuss your situation
The consultation is free of charge when an engagement agreement is signed: on it we say what has to be done and by when.