Publication date: 20.05.2025
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.
Cancellation of creditor's claim for debt recovery — legal protection against unlawful charges
In 2024, a client approached me after a microfinance organization (MFO) filed a lawsuit against her. The creditor claimed a debt of over UAH 103,000, while the actual borrowed amount was only UAH 20,000. My goal was to protect the client from unlawful demands, dispute the charges, and prevent forced recovery.
I joined the case after the lawsuit had already been filed. My task was to quickly analyze the provided documents, prepare a substantiated response to the lawsuit, and ensure effective court representation.
What steps help avoid an unlawful debt?
- Reviewing case files and negotiating with the creditor. I analyzed the evidence attached to the claim and held negotiations with the MFO representative — a settlement proposal was rejected.
- Preparing a well-grounded response to the lawsuit. I highlighted legal violations in the contract, the invalidity of certain terms, and the unlawfulness of excessive penalties.
- Trial stage. I represented the client in court, demonstrated lack of proper evidence from the creditor, and pointed out consumer rights violations in the contract.
- Out-of-court settlement. After the court ruled in our favor, the creditor agreed not to initiate enforcement proceedings and to resolve the matter outside court.
Case example
Situation: The client took out a UAH 20,000 loan from an MFO. After a few months of delay, the creditor filed a claim for UAH 103,000, including penalties and interest.
Actions:
- Negotiated with the creditor for voluntary settlement;
- Prepared and submitted a reasoned legal response to the claim;
- Identified violations of Ukraine's Consumer Lending Law;
- Provided court representation and obtained dismissal of the claim;
- Reached a pre-trial agreement with the creditor.
Result: The court fully dismissed the MFO's claim, citing contract violations and excessive charges. No money was collected from the client.
What do I offer?
- Personalized approach
I thoroughly review each case, analyze contract terms, and develop practical legal solutions. - Document preparation
I draft strong legal documents: responses, motions, petitions, and complaints. - Court representation
I represent clients at all court stages, including appeals if necessary. - Execution control
I support enforcement procedures where required. - Transparency and responsibility
I keep clients informed, explain all risks, and offer realistic outcomes.
Why do clients trust me?
- Experience in protecting against unlawful financial claims
- In-depth knowledge of financial and consumer protection laws
- Personalized legal strategies for each case
- Professionalism, punctuality, and accountability
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If a creditor has filed a claim against you for debt recovery — act without delay. I will help you defend your rights, expose unlawful terms, and secure a fair court decision.
Cases against MFOs require precise analysis and expertise. I defend clients’ interests even in complex disputes and help them avoid unfair charges.
