Searching for debtors

Searching for debtors or fraudsters

Illegal acts of debtors and fraudsters are handled by numerous organizations, departments and agencies, both state-owned and private; these are, for example, police, cyberpolice and detective agencies. These organizations are specialized in searching for fraudsters, prevention of further wrongdoings by fraudsters and provision of information about property and financial status of debtors for subsequent debt collection.

Who are debtors and fraudsters?

A debtor is an individual or a company that (who) for some reason cannot or does not want to pay back the money or perform its obligations in due time. Fraudsters are people who obtain the other people’s property or money by deception; they are also called scammers or con artists.

Today, there are many types of scams going on in Ukraine including cases of extortion over the telephone. Scammers involved in this kind of offence get access to personal details of their victims and then begin to demand money using tried-and-tested infamous scenarios.

Fraudulent actions, for example, are reported to take place on the OLX e-commerce platform; on completing a transaction and transferring money to seller’s bank account or debit card, the buyer would never receive the goods he has paid for. There are numerous OLX scammer blacklists that feature details of fraudsters such as surnames, phone numbers, bank card numbers, IP addresses, etc. There are also rogue acts with currency transactions and payment tools such as Webmoney or Bitcoin.

Numerous frauds have been recorded in many cities across Ukraine: Kyiv, Dnipro, Odessa, Lviv, Kharkiv, Zaporizhzhia, etc.

How to collect your own debt?

Non-repayment of debt can be resolved in many ways. In some cases, friendly negotiations can be efficient, especially when it comes to private loans; alternatively, a money-lender can apply to a police station or file a lawsuit. Another option is to contact a detective agency, which is more efficient in these situations, since a detective agency works employs highly skilled professionals and has access to all crime-related information. Detective agencies handle each case with the utmost care, search for missing debtors and resolve the challenging situations that the police were unable to resolve for some reason.

Borrowing money

Money can be borrowed for numerous purposes, for business development, for example, or for buying expensive products. A cash loan is money borrowed and repaid over a reasonable time that is agreed upon by both parties. A loan can be taken from a bank or from a private lender, the latter being a suitable option for individuals who need money quickly or who are denied for a loan by their bank.

Borrowing is a procedure that can be risky for both money lender and credit user. It is not infrequent that a lendee who wants to contract a loan gets scammed by paying an advance fee and then having to repay the money that, in fact, has not been borrowed. In other cases, victims sign loan agreements without having read it before signing.

Ukraine: Unified Register of Debtors

The Register of Debtors is a database comprised of individuals and organizations that have been declared insolvent by judicial process. The register incorporates company names, EDRPOU codes, surnames, tax identification numbers, etc. Applicable law of Ukraine allows public access to the register launched on the official website of the Ministry of Justice.

Debtor tracing and resolution of business disputes

Business partners sometimes use unfair practices in their contractual relations. In property disputes, entrepreneurs have to search for the debtor who evades paying his debts and avoids meeting the money lender or representatives of the latter. A debtor often changes his residence and conceals his property.

Without any information about the location of the debtor and his property, a money lender is not able to settle disputes amicably by:

• sending claims to the debtor
• beginning negotiations with the debtor
• applying measures on preserving the debtor’s property
• seeking remedy in court.

The staggering economic situation in Ukraine results in the increase of fraudsters in business relations, both individuals and big companies.

Detective assistance in debtor tracing

Detective assistance is an ideal option for legal entities that lack their own internal security service. Even if they have one, a detective agency, with narrow focus on investigation, is able to trace a debtor or fraudster quicker. Appealing to police has a slow effect while self-activity is difficult because of precautions taken by hideouts.

We at BJS have been providing professional services on debtor and fraudster tracing for many years. Our seasoned experts will help you find unscrupulous business partners within short timeframes, releasing you from a plethora of problems that might arise if you did it by yourself.

 

Private detective’s investigations

Private independent investigations in Ukraine

One of the BJS Detective Agency’s business areas is private investigations. Private investigations in Ukraine as a business just start developing and becoming one of the most demanded services. This activity helps to restore justice, to counteract to intentions of criminals and assist in stopping of such illegal acts of fraudsters as:

 

• blackmail;
• thefts;
• fiddle with financial transactions;
• murders etc.

 

Investigation is a large work which is beyond the power of untrained and incompetent people. Solution of many problems has an effect of life of close people or a child, therefore it is better not to waste precious time and trust in experts. Unfortunately, the police and the law enforcement authorities not always may help and, as an option, assistance of BJS Detective Agency will be opportune.

 

Sometimes, strange behaviour of our relatives and friends may be conditioned by such factors as drug and alcohol addiction, membership in a sect, adultery, debts, adverse influence of other people etc. However, not everybody may confess having such problems to their families thereby condemning them to constant suspicions and assumptions. And only timely detection of such issues may help to effectively struggle against them. It’s often not only difficult to understand what is really wrong with your friend or relative but in some cases rather dangerous. Moreover, sometimes our imagination depicts horrible pictures and scenarios that have nothing to do with the reality.

 

Check-up of a teenager for addiction

 

Adolescence is considered to be one of the most difficult ages as it is a transition from childhood and making up of personality to the adult life. In this period, teenagers are very vulnerable and easily yielded to various temptations. They are easily involved in any experiments which often have a deplorable end. One of the issues is addiction. Such children, under an influence, may commit thoughtless and uncontrolled acts.

 

The fraudsters’ scheme is to make a child addicted to a dose, especially when he/she has well-to-do parents with valuable assets such as golden items, diamonds etc. An addicted person is willing to give everything or to thieve something valuable for a dose. If parents have noticed that valuable items have disappeared from the home, it’s a sign that the child has got involved with a bad company and may become alcohol or drug addict.

 

There are different addictions. But it always adversely affects especially a child’s immature mind. It may be addiction to games, social networks, sects, drugs, alcohol etc. Parents not always are able to detect the problem; in that case, an expert may help.

 

BJS Detective Agency’s employees:

• will help to find and furnish such materials as audio and video recordings;
• will watch the child remaining unnoticed;
• have access to any institutions;
• perfectly know geographic location of the subject, streets and buildings.

 

Parents receive full information on the child’s circle of contacts and lifestyle; the contacts and interests will provide information on expenses and behavioural peculiarities.

Timely asking for help and detection the problem of a child’s drug addiction may protect from may adverse consequences including prevention of a tragedy or a suicide. And the earlier and more exactly information on a real state of affairs is obtained the more effective solution of the problem will be.

Exposure of a wedding swindler

One of the most common kinds of fraudulence is a marriage swindle. The fraudsters’ goal is theft of property when a fraudster disappears after the marriage ceremony with a part of the dowry. Or, for example, the fraudsters’ goal may be change of surname fir obtaining documents.

 

Private investigation services for individuals

 

BJS conducts private investigations for individuals in various areas. Our experts will help in the following delicate issues:

 

• check-up of a teenager (detection of his/her circle of contacts and activities, behavior analysis and check-up for his/her attitude to alcohol, drugs, gambling etc.;
• detection of the membership in a sect;
• obtaining of information of interest about any individual;
• check-up for adultery;
• proof or disproof of probable kinship;
• surveillance of baby-sitters, tutors, housemaids etc.;
• check-up of individuals registered at marriage agencies and various dating services;
• other kinds of investigation at the customer’s option.

 

Our Company guarantees absolute confidentiality of each private investigation ordered from us!

Search people in Ukraine

Finding a person in Kyiv and search for people in Ukraine

Nowadays, search of people in Ukraine is one of the most demanded services which both individuals and companies apply for. Many people are missing, especially in Kyiv and the regions. In the metropolitan megalopolis, there is a higher probability to be added to the statistics of missing people. In such situations, family members and relatives seek for help and protection from public services relying on the law enforcement bodies and the authority having found no other option, expect for effective assistance from the state. But effectiveness of such search often is too low and not always yields the expected result.

 

There also are the situations when one needs to restore a lost contact and establish relationships with relatives with whom the communication was interrupted and it is impossible to learn about a person’s destiny and location from an address bureau or by the surname.

 

BJS collects any information about individuals including:

 

• registered home address;
• passport and taxation data;
• information on incomes and immovable property;
• information on exits abroad;
• any other information at the customer’s option.

 

Our experienced employees are also able to find a person using incomplete data, to verify information furnished by an individual or to ascertain a real home address and a phone number.

There are many reasons for searching for a person but in case of the missing, it is utterly important to consider the time factor.

BJS Detective Agency’s professionals with their great experience in search of people will help:

• to find a person in the shortest possible time with minimum information using the state-of-the-art technologies and equipment;
• by phone number or IMEI;
• by surname;
• by a vehicle registration number;
• by a social network account;
• by an identification card number;
• select special methods and professional approach to each specific case.

All these will be conductive to effective search results, which is evidenced by numerous references from our thankful customers.

Search of fraudsters and debtors

None is guaranteed against fraud; nowadays, everyone may fall into an intricate and carefully thought out trap of a fraudster, and information left by such persons about themselves may appear untrue. Sometimes, for various reasons, officers of the Ministry of Foreign Affairs are not able to help to find the missing or a person with criminal background, a fraudster. Nowadays, there are a lot of methods and possibilities not to fall into hands of justice for a long time and to hide oneself in a town and the country, to freely move and reside in Ukraine. Also there are cases of search of debtors. People who have owed a great amount frequently are not in hurry with repaying the debt and try to hide themselves, and financial independency helps the debtors to feel confident and hide themselves more effectively.

Search of people in social networks

Nowadays, most people use social networks for communication. Posted information, photo, people with who the searched person communicated, location and other personal data speed up the search of a person. The professional approach to a search in social network frequently results in quick finding of a searched person. Search of people in such social networks as VK, Facebook, Odnoklassniki, Mamba is in demand. When acquainting with a person on a dating website, there is a rather high probability to confront with fraud and a person who publishes untrue information; the interlocutor may verbally assure of his/her serious intents at that time being married with children. Only professionals are able in the shortest time possible to prove or disprove the information, to collect reliable data about the person, which is an important step which will help to make a correct decision in the future and avoid disappointment. If a searched person has an account in a social network, it won’t be difficult to find him/her. It’s also easy to find a person by a photo. The availability of a photo significantly speeds up the search. A person is also identified using other search tools, for example, such as his/her address or probable location.

Search of a person by a phone number

One more method is a phone number of a searched person, whether current or previous, local or mobile. The search and record collection are made based on two data classes: complete and incomplete. If you now the searched person’s birthdate and full name, such data are complete. Information is considered incomplete if the known data are the name or surname, or the name and the previous phone number or the address the person resided at. There is also a possibility to find a person by the PrivatBank card number or various archival documents.

You may also obtain information you are interested in using the following data:

• local or mobile phone number (Kyivstar 067, 096, 097, 098; Vodafone-MTS 066, 065, 099; Life 063, 073, 093);
• e-mail;
• banking card number;
• registered home address;
• marital status;
• passport and additional data;
• information about incomes and real estate;
• information about exits abroad;
• any other information at the customer’s option.

 

BJS is willing to furnish all information about an individual you are interested in and to put an end to any suspicions!

Business investigations

Business investigations for legal entities

 

Private investigations are conducted for the purpose of preservation of business under tough competition and its protection from any kind of fraudulence, unreliable partners, unfair competitors and employees; for ensuring stable and profitable operation of a company.

 

In order to ensure legal and commercial security of legal entities, competent private detectives of our Agency will conduct business investigations and provide a customer with full objective information about the subject he/she is interested in, obtained from various sources:

 

• information about owners, founders, managers (registration and contact information);
• information about business partners, counteragents and competitors;
• inspection of financial and legal document (assets, balance, bank accounts);
• information about the company’s history, references and recommendations on the business standing.

 

Commercial business investigations

 

BJS Agency conducts commercial investigations about business of the subject which the customer is interested in:

 

• collection on information on solvency, credits, debts on credits;
• court decrees based on failure to fulfil debt liabilities to partners.

For stable functioning of a company, BJS Detective Agency’s experts will perform integrated, independent and high-quality audit for legal entities. Audit is a full inspection of both own business and ones of competitors, counteragents, suppliers, customers and partners.

 

Own business audit

 

Audit is necessary for smooth and profitable production operation, in order to protect own business from any kind of risks, plunder, costs, falsifications, information leakages which may result in losses. Inspection covers the financial status, namely accounting and fiscal reports. It also includes a check-up of the staff, especially the management who have the access to confidential information which is a commercial secret and inspection of premises using special equipment for bugs in order to avoid industrial espionage.

 

Business partners’ audit

 

Audit is of especial importance in cooperation with business partners. It is necessary for investment, conclusion of contracts and agreements. This involves full legal and financial check-up of a potential partner for reliability and commercial capacities for the purpose of avoiding fraudulence in order not to be involved in criminal structures.

 

When preparing for such procedures, our Company will provide you with a detective who, based on analysis and special inspection, will furnish the customer with information on lawfulness (legality) and commercial profitability, which will help not to be caught into nets of bloated balances of unfair partners. Our Agency’s detectives are qualified experts. Having the experience of work at the law enforcement authorities, they render their services in Russia and Ukraine and will help in conducting private investigations, searches for legal entities and furnish the customers with full, thorough and unbiased (analysis-based) information.

 

The detectives apply legal investigation methods without violating the effective legislation, use advanced technological innovations and methods; they will conduct high-quality investigation for legal entities about debtors, unfair partners and search of lost goods and cargoes.

 

Private investigations of the detectives of our agency are the key to success for any business under tough competition.

 

BJS’ professionals will cope even with the most nonstandard and complicated situations keeping strict confidentiality. The information obtained by them will grant you the strong confidence in safety of your business, which means its successfulness and prosperity. Remember that the one who possesses information possesses the world! ©

Counter-surveillance

Counter-surveillance: who are watching you?

 

In order to solve the complicated tasks such as finding out of information leakage in companies, detection of the leakage and espionage channels, so called counter-surveillance is helpful. The need in counter-surveillance arises when customers have had suspicions of information leakage or being watched. Surveillance may last for some days but sometimes for weeks. A person may be watched with ascertaining and studying the visited places, habits, work schedule, duration of the stay in a building; a vehicle or an office may also be listened-in etc. All these are done in order to obtain personal information, causing financial losses and commitment of offences for acquisition of other’s property or business. Unfortunately, employees of the Ministry of Internal Affairs begin acting only after an incident has occurred, sometimes taking no measures timely.

 

What counter-surveillance?

 

Counter-surveillance is the best professional solution of protection against espionage; it’s a way to avoid losses in the future.

 

Counter-surveillance is detection of outdoor surveillance by third parties involved in espionage and various ways applied for surveillance and monitoring. In addition, it is detection of places visited by the subject used to gather the information about him/her.

 

In order to detect photo and video recording, for solving the issue of espionage, involvement of a group of professionals who are able to detect surveillance established by fraudsters and bandits may be helpful.

 

All these are included in competence of BJS Detective Agency’s experts who are able to solve various tasks because they:

 

• have special skills and are perfectly trained;
• are high professionals;
• have the state-of-the-art equipment;
• offer personal selection of programs and action schemes.

 

With the necessary state-of-the-art special equipment, they will perform a task of any complexity for an adequate fee having even a little volume of information provided, e.g. only name and surname.

 

Surveillance of a phone, a person, a vehicle             

 

Today, we can’t imagine our life without such seemingly simple things used in everyday life as a mobile phone or a computer. But there is a backside of using the advantages of modern technologies: fraudsters may learn a lot of personal information about a person (name and surname), his/her business, visited places etc. through the mobile or social networks.

 

BJS Agency’s experts will help to protect your computer and phone using various special programs. The issue with the customers’ social networks and phones may be solved by means of installation of filters, using of Windows built-in features, the Android and iOS phone software, installation of anti-wiretapping and anti-localization programs, protection of your phone and computer by restriction of access to records, photo and video files.

 

Detective’s services in Kyiv and Ukraine

 

BJS Detective Agency offers a wide range of services having the highly professional staff that will help protecting information, property and business from malefactors.

 

The Detective Agency will render assistance in:

 

• additional investigations;
• check-up for the presence of bugs in vehicles and offices;
• establishing surveillance to ensure safety;
• finding the missing and identification;
• experts’ examination.

 

The price for the services depends on each specific case. Ask about the prices by phone numbers published on the website.

Checking up on business partners

Checking up on business partners in Ukraine, CIS and Europe

A reliable business partner is an earnest of success. In order to make sure of a business partner’s credibility in cooperation and avoid various risks and fraud when signing agreements, investing, buying a business, founding a joint venture based on partnership, carrying out transactions etc. a check-up on a business partner is indispensable. Efficient and competent gathering of information on potential partners in many respects offers advantages in check-up. As an option, you may make check up on your own, but this requires specific professional methods and knowledge. The check-up procedure is not easy, requires specific knowledge and skills and often takes a lot of time. In addition, there are check-up services and websites but unfortunately they won’t provide full information. With the help of BJS Detective Agency’s employees, your counteragent’s check-up will be much faster and more effective because the Agency’s experts are well experienced with a special training level. Using various methods and multiple information sources, they will carefully analyse and prepare documents in a legally competent manner.

 

Having applied for the experts’ services, you are offered a lot of advantages including:

 

• confidentiality;
• individual approach;
• providing reliable data only;
• prompt and high-quality work;
• reliability;
• experience in check-up and selection of partners.

 

If needed, the Agency may provide a private detective whose services include check-ups in the European Union, Russia, Kazakhstan, Canada, the USA, Australia, Ukraine and Kyiv.

 

Reliable counteragent: check-up and analysis

 

In order to avoid cooperation with an unreliable business partner, a fraudster or even a criminal and protect your company from adverse consequences, it is utterly important to check up and analyse a counteragent.

 

The counteragent’s check-up and analysis methods

 

• to gather information about a potential or prospective partner;
• to authenticate a company;
• to verify a prospective partner’s solvency and decency status;
• to scrutinize the counteragent’s data before making a deal;
• to study and analyse their statutory documents, to inquire about their financial status and whether there are debts on their balance

 

Business partner’s credit history check-up

 

The check-up is needed to know whether the prospective partner currently has a credit (from banks, insurance and leasing companies, credit associations etc.) and to gather information about the partner’s business history and reputation (taking into consideration the partners’ references).

 

For your entering into an agreement, our employees will make a whole set of check-ups for the purpose of the customer’s security, gather information about the authorized capital, production capacities etc. In order to avoid risks when investing, a check-up of a company’s legal and financial records, information on the beneficiary owners and judicial proceedings on its assets and whether there are no conflicts with the authorities is necessary too.

 

Cost of a check-up on business partners in Kyiv and Ukraine

 

The price of a check-up of a business partner depends on many factors that influence on the price-formation, and therefore is calculated individually. Our employees may help you to protect your company financially and to check up credibility of a business partner which is an earnest of a safe business.

 

Detective Agency’s services in business partners’ check-up

 

BJS offers customers the following services in business partners’ check-up:

 

• collection of contact and registration data of a partner’s company including information on owners, founders, managers etc.;
• collection of information on the counteragent’s business history including assets and balance as well as other partners’ references;
• collection of data on branches and divisions of the company as well as on the credit history;
• company’s financial reliability analysis;
• analysis of all data needed for making a deal;
• full study of the partner company’s activities including all above-mentioned services.

 

The in-depth check-up of partners and counteragents carried out by our company’s employees will help improving security of your business and timely prevent eventual risks. With our help, you will be sure of success of any cooperation!

Конкурентная разведка

What is competitive intelligence?

The present-day business world reality features aggressive and strict nature of competitiveness among companies. For a company’s success and prosperity achievement, one should successfully choose a lossless and profitable strategy to implement the intents, to avoid the effects of market unexpectedness, not to become a victim of unfair competitors and to possess information about processes taking place in other companies. Based on ethical and lawful work methods lent from the special services, the business began applying the methods of treatment of information and the information field which is called Competitive Intelligence. This term implies a multipronged and multilevel activities consisting of collection, analysis, classification and processing of information obtained.

 

The Competitive Intelligence types and tasks include:

 

• Business Intelligence

 

It is collection of information about competitors, business environment, partners, facts etc.

 

The task is analysis of obtained information; providing specific information using which our business partners may enjoy advantages over their competitors; possession of information which may help to avoid eventual risks and to be proactive in the business environment.

 

• Commercial Intelligence

 

The task is furtherance of strategic and tactical superiority over the competitors.

 

Obtaining of information from original sources:

 

• persons possessing direct proofs and facts,
• from close sources possessing information on a situation or a statement,
• direct evidence: financial, accounting, legal documents.

 

Obtaining of information from secondary sources:

 

• processed information,
• research results,
• experts’ comments and reports;
• third parties’ opinions,
• external environment monitoring.

 

• Analytical Intelligence

 

It is collection of objective information that may influence on operation of a company on the whole, for safety and efficient implementation of further intents. It may be realized using state-of-the-art technologies, data collection and analysis according to specific criteria: (about resources, vulnerable elements, business partners and competitors as well as about their intents).

 

A report is prepared and an experts’ opinion is issued based on information generalization, analysis and processing.

 

Competitive Intelligence uses all facts for making utterly important decisions on further business strategy and tactics, is the most important tool for studying the competitive environment, which data may cause damage or, conversely, ensure benefit to a company or a business.

 

Legal Industrial Intelligence

The competitive intelligence methods are applied legally, without violation of the effective legislation on confidential data and information protection; information is collected legally, from open sources. This is its difference from industrial espionage which is criminally persecuted in all countries.

 

How to protect own business from industrial espionage?

Assistance may be provided by a private detective who will represent your interests using legal methods only, solve a number of tasks relying on his/her professional experience and competence; using special-purpose equipment, a professional will not only check all the workrooms and the vehicles for listening-in but will also check your each employee who may also be involved in information leakage.

 

BJS offers the following competitive intelligence services:

 

• collection of information about business partners with whom agreements are intended being entered into;
• information about competitors (according to specific criteria);
• collection and analysis of information in a specific industry or area (database formation);
• information support of investment projects;
• proof or disproof of the facts given by the Customer about competitors, business partners etc.
• verification of deals with real estate and other assets;
• check of premises and vehicles for listening-in and taking counteractions;
• support and assistance in solving corporate conflicts;
• information support in arrangement of and participation in bids.

 

Our employees are well experienced in competitive struggles and will ensure the most favourable conditions for your business.

Corporate business conflicts

Corporate business conflicts

A corporate conflict is a negative, destructive phenomenon that leads to disputes, degradation in company performance, personal tensions and loss of valuable information. In some cases, a company will incur a financial loss and even collapse. A corporate conflict may result in clashes and destabilization of the company and its employees.

There are two types of conflicts:

1. An internal corporate conflict often arises from disputes between top executives and employees or stakeholders of that company.
2. An external corporate conflict stems from aggressive policies of competitors who want to seize control over and manage the company. Each company, corporation or firm has employees, and this makes it a potential target of conflicts. Sometimes, these conflicts evolve from a small mistake in management policies and staff recruitment, but even that small mistake may be enough for preventing the corporation from developing securely and consistently.

In some cases, both big corporations and small businesses face conflicts because of information leaks from some employees and industrial intelligence practiced by business competitors.

Reasons and settlement of conflicts

There are numerous grounds of conflicts, including:

• no intention of investing into the corporation;
• illegal takeover;
• lack of cooperation between several co-founders or executives at a time
• illegal actions of stakeholders.

One of the ways to prevent the conflict from emerging is a right recruiting and testing of staff with the purpose of avoiding any information leakage that can harm the company. The loss of sensible information that should be available only for company staff can result in material and financial damage.

The problem is that even old faithful employees and companions enter into a conflict due to different views on further development and mission of the company. Company owners, for example, want to hold more stakes in the authorized capital or to be sole owners of the company, therefore, they show their lack of interest in further cooperation or partnership. In this case, the conflicting parties have much confidential information at their disposal, which can compromise corporate safety.

Conflicts often lead to serious tensions among employees, thus, preventing the entity from performing in the normal course of its business. The conflicting parties can also try to settle their dispute in court. The applicable law in Ukraine envisages rights and obligations of the parties that are not able to settle their disputes through negotiations (amicable settlement), without bringing it to court.

Conflict settlement methods

Protection of information that may damage the company is the best way to prevent conflicts. BJS conflict management experts may help you settle and manage corporate conflicts.

They will help you prevent sensitive information from being disclosed to third parties and provide you with efficient methods of protecting confidential information from being used for mercenary purposes by dishonest employees of your company. BJS experts will perform independent analysis and evaluation of the conflicting situation in your staff, and come up with the options of how to avoid all negative consequences that may have a destructive effect on the development and financial standing of your company in future.

Corporate conflicts: security methods

• Collection of information about a conflict adversary;
• Identification of weak sides of your opponent;
• Prevention of greenmailing;
• Development and integration of managerial and technical measures on the protection of information;
• Collection of evidence on illegal activities of the conflict adversary;
• Interaction with law-enforcement bodies and legal support;
• Physical security;
• Engineering and technical security.

Extensive experience and professionalism of BJS experts ensures successful outcome of the most complicated corporate conflicts!

The restructuring of credit debt

Реструктуризацией кредитной задолженности является изменение условий действующего кредита для того, чтобы снизить кредитную нагрузку на заемщика. И хотя это в интересах банка, претендовать на реструктуризацию кредита могут не все.

Какие категории заемщиков могут рассчитывать на реструктуризацию кредита:

• наемные работники, потерявшие работу вследствие различных причин;
• работники, чья зарплата была снижена;
• предприниматели, чьи доходы от бизнеса сократились.

При проведении реструктуризации, банк может изменить график платежей и срок кредита. В отдельных случаях может меняться валюта, в которой заемщик погашает кредит. Так же банк может предоставить кредитные каникулы – период времени, когда можно не вносить платежи.

Для того, чтобы реструктуризация кредита стала возможной, желательно обратиться в банк до того, как появится задолженность по кредиту.

Каким образом проходит процесс реструктуризации кредитной задолженности?

Самое главное, что необходимо сделать заемщику – написать обращение в банк, где он опишет причины, по которым не может выплачивать кредит по установленному графику. В случае положительного ответа на его обращение, заемщик с работником банка обговаривают оптимальный вариант погашения кредита, который устроит и банк, и самого клиента. После этого необходимо собрать пакет документов, в которых будет подтверждение сложного материального положения заемщика или любые другие причины, по которым он просит реструктурировать свой кредит. Далее запрос рассматривается кредитной комиссией банка и в случае положительного для заемщика решения, между ним и банком будет заключен дополнительный договор или вносятся поправки к уже имеющемуся кредитному договору. В этих дополнениях указывается новый график или другие условия погашения кредита. После подписания нового договора, старые условия теряют свою силу.

Насколько выгодной может быть реструктуризация кредитной задолженности?

С первую очередь, заемщик должен понимать, что изменение условий погашения кредита, отсрочка оплаты или валюты, то суммарная сумма кредита возрастет. Это происходит потому, что сумма, которую клиент банка погашает по новым условиям, будет меньше, но процент на оставшуюся сумму возрастет. В случае смены валюты, процентная ставка чаще всего увеличивается. Однако, реструктуризация действительно позволяет снизить кредитную нагрузку, уменьшить сумму оплаты по графику, сменить валюту на национальную, что поможет избежать последствий девальвации. Словом, реструктуризация кредита имеет как положительные, так и отрицательные стороны. К данным изменениям в оплате кредита стоит прибегать в действительно сложной денежной ситуации и не рисковать своей кредитной историей из желания экспериментов.