Can a combatant be exempted from paying a loan

Combatants often face financial difficulties that may arise due to service, disability or other circumstances. This issue is relevant for many military personnel, as their participation in the defence of the state should not jeopardise their financial situation. Ukrainian legislation provides for a number of benefits for combatants, but these benefits are not automatic and require certain actions.

Situations in which participant in combat operations may apply for assistance include the inability to meet financial obligations to banks in a timely manner due to service, loss of employment or health. Instead of a full loan write-off, the law provides for alternatives that can ease the debt burden. These include restructuring, temporary suspension of payments, or writing off part of the debt.

Possible options for resolving a credit issue

Ukrainian legislation does not automatically exempt the military from paying off loans, but there are a number of mechanisms that can help the military. To understand how to proceed, it is important to consider all available options.

1. Loan restructuring. If a combatant is temporarily unable to repay a loan, the bank may offer a debt restructuring. This may include reducing monthly payments or extending the repayment period.
2. Suspension of interest accrual. For the duration of your service or until your financial difficulties are resolved, you can agree with the bank to suspend interest accrual.
3. Writing off part of the debt. In some cases, especially if a combatant has lost his or her ability to work, it is possible to agree on a partial debt cancellation.
4. Judicial settlement. If the bank refuses to cooperate, you can go to court, where a lawyer will help you defend your rights.

Each of these steps requires careful preparation of documents and legal support. Engaging an experienced lawyer significantly increases the chances of a successful resolution.

How can banks meet the needs of the military?

Not all banks automatically provide benefits to combat participant status, but most financial institutions seek to avoid conflicts with clients. It is important for combatants to understand what actions can be taken to achieve favourable terms.

• Individual approach. Banks usually consider each case on a case-by-case basis, depending on the circumstances.
• Legal requirements. If a bank violates the rights of a serviceman, a lawyer can draw up an appeal or complaint to the regulatory authorities.
• Additional consultations. In the absence of mutual understanding with the bank, a lawyer will help to establish communication and offer the best solution.

It is important to know your rights and act within the law, as properly organised actions can greatly ease the situation.

Documents that may be required

Before applying to a bank or court, it is important to prepare a package of documents confirming your status as a combatant and your situation. This will speed up the consideration of your application and minimise the risk of refusal.

• Combatant certificate 
• Agreement with the bank on the terms of the loan.
• Medical reports (if you have a disability).
• Documents confirming financial difficulties (income statement, bank statements, etc.).
• A letter of application to the bank to change the terms of the loan.

A complete package of documents is the basis for a positive resolution of the issue, especially if the case goes to court.

Important questions about paying off the participant in combat operations loan:

Legal assistance from the ‘Consultant’:

Analysis of the loan agreement and terms.

Preparation of appeals to the bank or court.

Representation of interests in dealing with financial institutions.

Experienced lawyers of the Consultant legal service will help you protect your rights and find a legal way out of a difficult credit situation, as well as resolve other issues related to the status of combatants, including obtaining status of combatant. Contact us for professional support and advice!