Stages 01–04Credit and settlement
Stage 1 of 12
Credit
You received funds and agreed to repay the credit.
Stages 01–04Credit and settlement
Stage 2 of 12
Interest and penalties
The debt may increase in accordance with the agreement and applicable law.
Stages 01–04Credit and settlement
Stage 3 of 12
Transfer to Finprom
The claim is transferred to a new creditor — Finprom.
Debt amount at this stage10 000 ₴
Stages 01–04Credit and settlement
Stage 4 of 12
Pre-trial settlement
There is still an opportunity to agree on repayment without going to court.
Debt amount at this stage10 000 ₴
Stages 05–07Court proceedings
Stage 5 of 12
Court claim
Finprom applies to court to recover the debt.
After transfer to Finprom, the debt increased by+3 152 ₴ Stages 05–07Court proceedings
Stage 6 of 12
Case review
The court reviews the documents, debt calculation and positions of the parties.
Debt amount at this stage13 152 ₴
Stages 05–07Court proceedings
Stage 7 of 12
Court decision
The court determines whether the debt is recoverable and in what amount.
Debt amount at this stage13 152 ₴
Stages 08–12Enforcement of the decision
Stage 8 of 12
Enforcement proceedings opened
An enforcement officer begins the compulsory enforcement procedure.
After transfer to Finprom, the debt increased by+1 315 ₴ Stages 08–12Enforcement of the decision
Stage 9 of 12
Unified Register of Debtors
Information about the debtor is entered in the Unified Register of Debtors.
Debt amount at this stage14 467 ₴
Stages 08–12Enforcement of the decision
Stage 10 of 12
Review of income, accounts and assets
The enforcement officer checks the debtor’s income, bank accounts and assets.
Debt amount at this stage14 467 ₴
Stages 08–12Enforcement of the decision
Stage 11 of 12
Recovery
Funds may be recovered from salary, accounts or assets.
Debt amount at this stage14 467 ₴
Stages 08–12Enforcement of the decision
Stage 12 of 12
Debt repaid
The debt has been repaid. The enforcement information is updated.
At this stage the debt decreased by−14 467 ₴ 
