Collectors call and threaten: your rights

Describe your situation and Jurly will analyse it under current law and prepare a written conclusion with an action plan.

Briefly describe your situation

Analysis under current Ukrainian law · JURLY LLC

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analysis of your situation under current law: Free
written conclusion, price shown before payment: UAH 199

What to do

How to resolve your situation: step by step

A collector may demand a debt only within the law: they must hold the right to the debt, and how they contact you is restricted. What advertising calls "anti-collector" services comes down to three actions: checking whether the debt exists and who owns it, recording violations, and filing complaints. A credit lawyer is needed once the case reaches court.

01
Do not acknowledge the debt verbally
Do not agree to an amount over the phone. Ask for written confirmation of the debt and of the collector's right to it.
02
Check the debt
The loan agreement, payments, the assignment agreement. Some demands may be inflated or time-barred, and that decides what to do with the debt next: contest it, negotiate or prepare for court.
03
Record calls and threats
Recordings, screenshots, call times. This is evidence if the collector breaks the law.
04
Complain about violations
Breaches of the contact rules can be reported to the regulator, and threats to the police.

This is the general order of steps. The analysis of your situation will show what applies to you and which deadlines apply in your case.

What the conclusion covers

A Jurly conclusion on your situation

In a conclusion on debt collectors, Jurly checks whether the debt exists and was lawfully assigned, compares the demand with the contract, names the collectors' actions that break the law and explains where to file a complaint and what to say on the next call.

The analysis of your situation is free. A written conclusion costs UAH 199; you see the price before paying.

How a conclusion is prepared and how it differs from an AI chat answer

Common situations

Similar to yours? Start from a ready description

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They call my family and my work

Collectors call my parents and my workplace and make threats. I am not sure the debt was lawfully transferred to them at all.

A debt I never took on

Collectors demand a debt for a loan I never took out. It looks like someone took it out using my details.

The amount grew many times over

I took a small loan from a microfinance company, and collectors demand eight times as much. Are these charges lawful?

They threaten to come to my home

A collector threatens to come to my home and "make an inventory of my property". Do they have that right?

All questions on «Loans, Debts & Banks»

Questions and answers

Frequently asked questions

Can collectors call my relatives and my workplace?

The law limits whom collectors may call and how often, and prohibits threats. Calls to third parties without their consent are one of the most common violations.

Can a collector make an inventory of my property?

No. Only an enforcement officer can make an inventory of and recover property, under a court decision or another enforcement document.

How can I check that the debt was lawfully passed to a collector?

Ask for proof of the assignment: the agreement and the notice of change of creditor. Without them, the demands can be questioned.

Where can I complain about collectors?

Breaches of the contact rules go to the regulator, and threats to the police. Recordings and screenshots will be needed in both cases.

How much do the analysis and the conclusion cost?

The analysis of your situation is free. A written Jurly conclusion costs UAH 199, and you see the price before paying.

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Tell us what happened

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