REFINANCING A LOAN WITH BAD CREDIT HISTORY IN UKRAINE ✅ RETURN A DEBT ✅ SERVICES

Gathering information about existing loans (agreements, amounts owed, arrears, legal disputes, enforcement proceedings).
Checking credit history through the Ukrainian Credit Bureau (UCB) or other bureaus.
Assessing the possibility of refinancing (legal analysis of agreements, legal risks).
Determining a strategy — restructuring, applying to another bank, participating in bank or MFI programmes.

Assistance in preparing a refinancing application.
Preparation of a cover letter for a bank or financial institution.
Collection or preparation of such documents.
Forwarding the application to potential lenders or MFIs.

Representing the client's interests in negotiations on refinancing terms.
Agreeing on interest rates, repayment schedule, and early repayment terms.
Obtaining preliminary approval or a decision from the bank.

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Refinancing a loan with a bad credit history

Do you have outstanding debts or a low credit rating? This is not a death sentence! With professional legal support, you can:

Assess your situation through access to financial bureaus.
Prepare documents (income, collateral) for submitting an application.
Obtain refinancing – consolidation of old loans into one more favourable rate.
If necessary, file an appeal or challenge the bank's decision.

This approach helps you avoid blockages and collection pressure, stabilise payments and obtain terms that match your current financial capacity.

The lawyer analyses the client's situation, prepares the necessary documents and negotiates with financial institutions regarding refinancing.

Full support includes all stages — from assessing credit history to signing a new agreement and providing legal support after the deal.

Refinancing microloans with bad credit history

Debt to MFIs often grows due to high interest rates and penalties. The Consultant legal marketplace offers:

Consultation on the terms of refinancing microloans.
Search for a financial company with loyal requirements.
Preparation of the necessary documents and applications online.
Monitoring of contract performance, with no hidden fees.

The goal is to replace all short-term loans with a single loan with lower monthly payments or an extended term.

Refinancing a loan with a bad credit history online

The online format allows you to obtain refinancing without visiting the office — just with your phone and documents. The legal marketplace Consultant will help you:
Submit an application for refinancing online.
Accompany the loan application process remotely.
Provide legal support at every stage.

This guarantees transparency, compliance with legislation, avoidance of hidden fees and a quick solution to your financial problems.

Why should you contact the Consultant legal marketplace?

Legal verification of each offer – protection against unjustified penalties.
An individual approach to refinancing loans with bad credit history — even if you have collateral or arrears of up to 120 days.
Online support — all procedures can be completed remotely.
Successful experience working with MFOs and banks — assistance in agreeing terms with or without collateral.

How to start cooperation

Contact our consultant via the form or by phone.
Send the initial package of documents: credit bureau statement, passports, income certificate.
Lawyers will assess your situation and select the best refinancing option.
We will prepare and submit applications and monitor the terms of the agreement.
After receiving the loan, we will ensure that your old loans are closed and that you have the opportunity to restructure them.

Conclusion

Don't let a ‘bad credit history’ block your refinancing opportunities. Visit the Consultant legal marketplace, get professional legal support and discover a new set of terms and conditions with transparent rates, clear terms and guarantees for the protection of your rights.