HOW TO FREEZE A LOAN – CONSULTATION AND SUPPORT ✅ DEBTOR`S PROTECTION ✅ SERVICES

analysis of the loan agreement and documents provided;
identification of grounds for freezing the loan (military registration, IDP status, loss of income, etc.);
verification of legislation and court practice regarding the possibility of applying credit holidays or restructuring;
preparation of a written opinion describing the legal mechanisms.

drafting a statement or appeal to the creditor with a request to freeze the loan;
preparation of additional documents, such as explanations, accompanying letters, complaints to the NBU or other institutions;
recommendations on the collection of supporting documents.

submitting an application to the bank or MFI;
correspondence or negotiations with representatives of the financial institution;
recording the creditor's position on your application.

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Today, thousands of Ukrainians have found themselves in a situation where paying off a loan has become a burden. Loss of income, change in life circumstances, or martial law — all of these may be grounds for seeking advice on freezing a loan.

Our specialists help you understand what are the legal ways to suspend payments and how to properly exercise your right.

We work with various situations: from simple consumer loans to mortgages or car loans. Each case is considered individually, taking into account the terms of the contract, legislation, and possible actions of the bank.

Legal support for credit freeze in Ukraine

Our team does not just advise - we undertake full legal support for credit freeze. This means:

analysis of the credit agreement;
preparation of applications to the bank or financial institution;
negotiation of changes in the terms of the loan;
preparation of applications to the court (if necessary);
support at the stage of enforcement proceedings.

We help clients obtain a payment deferral, “credit vacation” or even achieve debt restructuring on more favorable terms. We work quickly, clearly and without unnecessary promises - only what is realistically possible in your case.

How to freeze a loan: professional advice and support

Each person has their own story. But to freeze a loan, it is not enough to simply contact the bank - it is important to properly justify the reasons, provide relevant documents and, if necessary, legally defend your position.

Our service includes:

identifying the grounds for freezing (military registration, loss of income, IDP status, etc.);
recommendations for collecting evidence;
drafting a legally competent appeal to the creditor;
consultations on further actions in case of refusal.

What you get when you contact us:

Personal consultation with analysis of your loan agreement;

Legal mechanisms for suspending payments;

Legal support in negotiations with the bank;

A full package of documents for the application;

Protection of interests in the event of a court or enforcement proceeding.

Conclusion

Freezing a loan is not just a technical action, but a complex process where every detail is important. We help not only to avoid fines and penalties, but also to regain control over finances. If you are looking for a reliable consultant who knows how to act in the legal field, you are on the right track. Contact us and get support that really works.