Publication date: 01.02.2024
Hello! My name is Kyrylo Tomakh, I am a practicing lawyer and co-founder of the law firm DKVA Legal Group. For over 3 years, I have been helping clients protect their rights, find solutions to complex legal situations, and successfully resolve disputes both pre-trial and in court.
Collectors (firms involved in debt collection) must act within the law and respect the rights of citizens. If you believe you have been wrongfully or unethically harmed, it is important to know your rights and take steps to protect yourself.legal assistance from collectors depends on a fairly large number of factors, such as the size of the debt, the bank (MFO) in which the loan was issued and the lawyer’s budget.
Here are some steps you can take to protect yourself from abusive debt collectors in Ukraine:
Know your rights: Know your rights as a debtor. Ukraine has legislation regulating collection agencies, and you have the right to protection from abusive debt collection practices.
Written Demand: Ask debt collectors for written confirmation of the debt and demand. The conclusion of any agreements or payments must be based on written documents.
Contacting Consumer Protection Authorities: If you believe that you are being abused or your rights are being violated, please contact consumer protection authorities.
Attorney or Legal Advice: You may find it helpful to contact an help in dealing with collectors. lawyer protection from collectors and write-off is the most effective way to deal with them.
Reporting to Law Enforcement: If you witness misconduct, you can contact law enforcement and provide information about it.
Recording Conversations: If you communicate with debt collectors by phone, it is useful to record conversations as a means of evidence.
No Contact:
- By law, you can submit a written request to debt collectors to prohibit them from contacting you or sending you letters, specifying the period of time and method of communication.
- It is important to note that unlawful actions by debt collectors may be subject to legal penalties, and you should act in accordance with the law to protect your rights and interests.
- Debt collectors, or debt collection firms, can take a number of legal steps to recover debts. However, the legality of the collector’s actions is determined by the restrictions established by law.
Here are some legal actions of a debt collector in Ukraine:
Written Notice:
The debt collector may send written notices on the debt, specifying the amount, terms and conditions of payment. This may be a letter, email or message via other available means of communication.
Telephone calls: The debt collector may make telephone calls for the purpose of debt communication. The law specifies the timing and frequency of these calls, and the debt collector must abide by these restrictions.
Formal Letters: The debt collector may use formal letters to communicate with the debtor. These letters must contain information about the debt and how to pay.
Payment Agreements: The debt collector may offer payment agreements, rescheduling agreements, or other tailored terms for paying off the debt. The agreement must be clearly written and agreed upon by both parties.
Information about the debtor: The collector has the right to find out information about the debtor, such as place of work, address, telephone, etc., provided that this occurs in accordance with the law.
Legal assistance from debt collectors: In some cases, a debt collector may work with an attorney or legal specialist to resolve debt collection issues.
Reimbursement through court If the debtor does not fulfill his obligations, the debt collector can file a lawsuit to recover the debt.
It is important to note that debt collectors must comply with legal restrictions and ethical standards in their activities. If you believe that you have been wrongfully or unethically harmed, you should apply for an anticollector program and use established legal mechanisms to protect your rights.
