Заява про відстрочку (розстрочку) платежів за кредитним зобов'язанням

Postponement of payments on debt obligations

Quite often, there may be situations in which the party with a debt obligation is forced to apply to the creditor with a request to change the terms of payments for the funds received on loans.

Most loan agreements provide for the option of conditions under which the debtor can improve the terms of payments on the loan obligation due to a difficult financial situation. Usually, this may be certain individual circumstances, such as a reduction in the number of employees at the enterprise where the borrower worked, perhaps it may be an accident or some natural disaster, as a result of which the borrower received a lot of losses.

At the same time, the provision of a deferral or installment plan for a loan obligation is not an obligation of a banking or financial institution, but a right, therefore, a request for amendments to the procedure for repaying funds under a loan agreement must be sufficiently qualitatively substantiated.

If it is necessary to draw up an individual application for deferment, installment plan or debt restructuring, we recommend using the legal services of the Consultant to order a turnkey document.

When should I write an application for deferral or installment payments on a debt obligation?

In the event of such circumstances that unequivocally worsen your financial situation and may prevent the timely payment of funds under a debt obligation, we recommend that you immediately contact the banking or other financial institution with which you entered into an agreement.

If a decision is made to change the conditions for the return of funds to the lender, this will significantly reduce the risks for the borrower in terms of charging penalties, paying other penalties, worsening the credit history of an individual, etc.

Changing the conditions for the return of funds under a loan agreement may look like this:

Credit holidays;

debt restructuring;

Other offers from a banking or financial institution.

Our lawyers warn that even if you cannot provide documentary evidence of your circumstances, it is better to file a petition anyway, because the court will know about your intentions and can assess the good faith of your actions.

What should I pay attention to when applying for a deferred payment?

An application for installment payments on debt obligations can be drawn up in any form. However, our lawyers note that only a high-quality document can convince a financial institution of a real need to change the terms of payments by the borrower.

Such a statement must contain information about:

The number of the loan agreement, the date of its conclusion and for what total amount it was concluded;

Statement of information about your personal circumstances that prevent the proper performance of debt obligations;

Request for a deferment for the payment of credit obligations;

In attachments, attach copies of documents proving your difficult financial situation, or an event that could worsen it.

If it is necessary to analyze an application for a deferral of payment of credit debt or the development of an individual document, we suggest using our legal services service Consultant. Our experts will be able to best assist in the preparation of the document, and if necessary, create a completely new one in accordance with your situation.

Application template for deferred payments on a debt obligation

The best lawyers in the field of debt resolution disputes are already ready to provide the appropriate advice! We offer high quality services with comfortable service.

It has become much easier to purchase a sample application for installment payments on a debt obligation! You can upload a document in a few simple steps:

Download the mobile application "Consultant";

After a short registration, you can find the required document in the "Documents" section;

By clicking the "Buy Template" button, you will immediately receive a link to download the document.

Our team cares about each client, so in case of problems, we will promptly help in resolving your issue!