Defined legal service
Review of credit charges and bank, lender or collector conduct
Reconciling the agreement and payments and reviewing interest, fees, penalties, assignment and collection-contact rules.
The problem you need to resolve
- a consumer loan calculation is disputed
- there are issues with a micro-lender, assignee or collection company
What you receive
- a reconciled calculation
- an agreed complaint, defence or claim
What we do
- review the questionnaire, deadlines and agreed document list
- separate verified facts from assumptions and define the legal objective
- law applicable by agreement date and type
- principal, interest, fees, penalties and payments
- creditor, NBU or court submission
What we need from you
- agreement, credit passport and schedule
- statements and creditor calculation
- assignment notice
- communications and court records
- answer focused follow-up questions and verify the factual information
- do not send a full set of sensitive documents before the conflict-of-interest check and agreement of a protected channel
Fees
- Fixed fee for the first-stage ‘Written action plan for your situation’: UAH 5,000.
- Standard scope: one situation, one legal objective and up to 25 pages of agreed documents.
- The stage includes questionnaire and document review, legal classification, three next actions, a missing-document list, deadlines, risks and alternatives.
- Where the next stage can be defined, its fixed fee is provided before work begins.
- More than 25 pages, additional objectives, urgent work or foreign-language documents are priced before work begins as a separate or extended stage.
- Court fees, notaries, translation, valuation, experts, registration and other third-party costs are excluded and agreed separately.
What may change the route
- objections or new claims from another party
- missing, inconsistent or newly received documents
- the need for valuation, expert evidence, a notarial or registration step
- existing court or enforcement proceedings, a missed or imminent deadline
- the undisputed obligation is separated from the specific challenged charges or conduct
When this service is not suitable
- the service does not promise debt cancellation
- business lending, mortgages and insolvency require a separate scope
How we report progress
- we agree the communication channel before work begins
- we report receipt of materials, completion of the assessment, document readiness and the next required action
- where new facts or extra work arise, we first explain the effect on timing and fees and ask for your approval
Official sources
Frequently asked questions
Does an excessive rate invalidate the whole debt?
No.
May a collector disclose the debt to relatives?
The law restricts contact and disclosure.
Should payments simply stop?
That can increase risk; the calculation should be reviewed first.