Financial lawyer in Almaty — we work out the debt by the numbers, not by the debt collectors' phone calls

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Financial lawyer going through a bank statement with a client

We recalculate what the bank has charged: interest, penalties, commissions, imposed services
We stop unlawful pressure from debt collectors and check the assignment of the debt
We handle restructuring and personal bankruptcy from start to finish
The first consultation is free, and we set out the prospects before you pay

Money and debts

We handle disputes with banks, MFIs and leasing companies

We recalculate the debt and remove unjustified charges

We handle out-of-court and court personal bankruptcy

We check the lawfulness of the debt assignment and the debt collectors' conduct

We recover money paid for imposed insurance and services

Lawyer for financial and banking disputes Dmitry Kim

Send us the contract and the statement — we will tell you how much of the debt can be challenged and which route is cheaper: restructuring or bankruptcy.

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9^years

in financial disputes

Loans, deposits, transfers, insurance, debt recovery — disputes where the other side is a financial organisation.
260⁺

cases with banks and MFIs

Recalculation of charges, challenging commissions and penalties, recovery of unlawfully debited funds.
60^%

we resolve without court

A claim and a complaint to the regulator often close the matter faster than court proceedings.
0^₸

initial consultation

We review the contract and the statement, state the amount that can realistically be recovered, and the course of action.

Recalculation of debt under a loan

We check actual payments against the schedule and verify the order of allocation: penalty first or principal first. Errors in charges occur regularly.

Unlawful commissions and insurance

Recovery of fees for services imposed at signing and insurance products included in the loan body.

Restructuring

Negotiations with the bank on changing the schedule, deferral and reducing the payment. Works while the case has not been passed for recovery.

Bankruptcy of individuals

Out-of-court and court procedure: we check whether you meet the conditions and handle the process until the debt is written off.

Debt collectors and assignment of debt

Verification of the lawfulness of the debt transfer, stopping calls to relatives and to work, recording violations.

Microloans and MFIs

Challenging charges on short-term loans where the interest amount is many times the principal.

Arrest of accounts and property

Removal of unlawful restrictions, protection of property that cannot be subject to enforcement, work with the court enforcement officer.

Debts of spouses

We work out which debt is joint and which is personal, and who is liable for loans after divorce.

Describe your debt — a financial lawyer will say what can be removed and which route to take

The first consultation is free. If the debt is undisputed and there is nothing to challenge, we will say so directly and discuss restructuring or bankruptcy.

Message us on WhatsApp +7 778 325 44 44

Dispute with a bank
Collectors are putting pressure on me
Thinking about bankruptcy

Cost

Prices for services financial lawyer

Indicative prices. The exact amount is stated after reviewing the contracts and statements and is fixed in the contract.

Service	What is included	Cost
Consultation on debt	Review of the contract and statement, assessment of prospects	free of charge
Legal opinion on a loan	Written analysis of the charges and the terms of the contract	from 30,000 ₸
Claim to a bank or MFI	Calculation of the disputed amounts and a demand for recalculation	from 35,000 ₸
Refund of imposed services	Claim and statement of claim for the refund of insurance and commissions	from 45,000 ₸
Negotiations on restructuring	Preparation of a proposal and support during negotiations	from 60,000 ₸
Dealing with debt collectors	Review of the assignment, demand to stop the pressure	from 50,000 ₸
Personal bankruptcy	Full support throughout the procedure	from 250,000 ₸
Representation in court against a bank	First instance on a turnkey basis	from 170,000 ₸

Prices are given for reference and do not constitute a public offer. The state fee, the remuneration of the financial manager and notarial acts are paid separately.

Find out the cost for my case

How it works financial lawyer: step-by-step procedure

We collect the documents

The contract, payment schedule, account statement, correspondence with the bank. Without a statement, there can be no talk of recalculation.

We calculate the debt

We check actual payments against charges. This is where we find what can be challenged.

We choose the route

Recalculation, restructuring or bankruptcy — we compare them by cost and consequences, not by popularity.

Fixed-price contract

The scope of work and the price are set out in writing before we start.

Negotiations with the creditor

A claim with a calculation. It is often more profitable for the bank to settle than to litigate and wait.

Court or procedure

If no agreement is reached — a claim or the launch of bankruptcy proceedings with full support.

Protection of property

We lift unlawful seizures and make sure enforcement does not touch what it cannot be applied to.

Debt closure

We obtain supporting documents: a certificate confirming no outstanding debt, removal of encumbrances.

Bank not responding to your claim?

Send us the contract and correspondence — we will tell you where to complain and within what timeframes this must be done.

Describe your situation

Team

Team of lawyers in Almaty

We handle a case from start to finish with the same team: you always know who is dealing with your matter and who to contact.

Asel Kurmanova

Lawyer for civil cases

Handles disputes over real estate, inheritance, contracts and transactions. Supports transactions from document review through to registration of title.

14 years of practice
Civil and housing disputes
Kazakh and Russian languages

Dmitry Kim

Lawyer for financial and motor vehicle disputes

Works with banks, insurers and debt collectors, handles recovery and bankruptcy cases, and defends drivers in administrative matters.

11 years of practice
Banks, insurers, motor vehicle disputes
Pre-trial settlement

Gulnara Abisheva

Lawyer for family and social matters

Handles divorces, division of property, alimony and disputes over children, as well as employment, pension and social issues.

9 years of practice
Family and employment disputes
Work with guardianship authorities

Yerlan Sagintayev

Lawyer for corporate law

Supports company transactions, arranges shares and corporate agreements, handles disputes between participants and reorganisation.

13 years of practice
Transactions, shares, corporate disputes
Support for investment rounds

Aigerim Nurlanova

Tax lawyer

Challenges notifications and inspection reports, handles tax disputes in court, supports inspections and recovers overpayments.

10 years of practice
Inspections and tax disputes
Working with the client's accounting records

Viktor Li

Construction and contract lawyer

Reviews contract agreements, estimates and acts, handles disputes over quality and scope of works, supports acceptance of facilities.

12 years of practice
Contracting, shared participation, acceptance
Working with construction expertise

Madina Ospanova

Intellectual property and IT lawyer

Protects copyright and trademarks, drafts contracts for IT teams and handles rights to products and code.

8 years of practice
Copyright, trademarks
Contracts for IT and studios

Sanzhar Ibraev

Bankruptcy and debt recovery lawyer

Handles bankruptcy and rehabilitation procedures, recovers receivables, defends directors against subsidiary liability.

15 years of practice
Bankruptcy, rehabilitation, debt recovery
S

Practice

Recent case stories from our lawyers in Almaty

Details have been changed and anonymised: the content of the case is protected by professional privilege.

Credit

The debt doubled because of commissions and penalty on penalty

Situation: The client missed a payment on a consumer loan of 2.4 million. A year and a half later the bank was demanding 4.9 million: servicing commissions, an early repayment demand fee and a penalty that was also charged on previously accrued penalties were added to the principal debt.
What we did: We went through the calculation line by line and compared each charge against the terms of the contract. Some of the commissions had no basis, and the doubled penalty was not supported by the contract. We prepared a counter-calculation and sent our objections, while at the same time proposing a repayment schedule to the bank based on the adjusted amount.
Outcome: The claim amount was reduced by 1.7 million tenge. The remaining balance was restructured over 24 months with an affordable payment, and no enforcement proceedings were initiated.

Debt collectors

They called ten times a day, including to relatives and at work

Situation: After the debt was passed to collectors, the daily calls began: to the client, his mother, colleagues and the HR department. Employees were told the amount of the debt. The man was ready to pay but could not reach an agreement because of the constant pressure.
What we did: We recorded the facts: call logs, screenshots of messages, statements from colleagues. We sent a demand to stop interaction in unacceptable forms and a complaint to the authorised body, attaching all the evidence.
Outcome: The calls stopped within a week. After that we agreed a repayment schedule in writing — calmly and without pressure.

Deposit

The bank refused to return the deposit, citing a breach of terms

Situation: When the client applied early to withdraw the deposit, he was refused, with the bank citing a breach of the contract regime and withholding the higher interest in its own favour. The wording of the contract was ambiguous, and branch staff explained everything orally and differently each time.
What we did: We analysed the terms of the contract and showed that the disputed clause allowed a double interpretation, and therefore is interpreted in favour of the consumer. We sent a written claim demanding the return of the deposit with accrued interest and stating a deadline for a response.
Outcome: The deposit was returned with interest within three weeks of the claim. The matter did not go to court.

Suretyship

The guarantor learned about the debt when money started being debited from his account

Situation: The man had stood surety for a friend's loan five years earlier and had forgotten about it. The borrower stopped paying, the bank made a claim against the guarantor, and he only found out when debits under enforcement proceedings started coming out of his account. The amount with the penalty was 4.7 million tenge.
What we did: We checked the term of the suretyship: the contract had been concluded without specifying a term, and the bank made its claim a long time after the default arose. Part of the claims had been made outside the period during which the suretyship remains valid. We raised this and at the same time checked the calculation of the penalty.
Outcome: The claim was reduced to 1.9 million tenge, and the penalty was reduced as disproportionate. A schedule was agreed for the remaining amount, and a recourse claim was brought against the borrower.

Deposit

The bank withheld remuneration on early withdrawal of the deposit without warning

Situation: The client had placed a deposit for a year, and after eight months she needed the money for medical treatment. On withdrawal, the bank recalculated the remuneration at the demand rate and withheld amounts already paid out — the loss came to 640 thousand tenge. This condition had not been mentioned when the contract was concluded.
What we did: We studied the contract and found that the recalculation condition was contained in rules that had not been given to the client, while the contract itself contained a reference without disclosing it. We sent a claim demanding the return of the withheld amount, attaching the contract and pointing out that full information about the conditions had not been provided.
Outcome: The bank returned 400 thousand tenge before trial. The client chose not to pursue the rest — part of the withholding was provided for by a document she had signed, and we told her so directly.

Investments

The brokerage account was wiped out after transactions the client had not made

Situation: A series of trades took place on the client's brokerage account, resulting in a loss of 8.2 million tenge. The client maintained that he had not given any instructions; the company relied on orders confirmed by electronic signature and on the risks he had been warned about when concluding the contract.
What we did: We requested the transaction log showing the time, devices and connection addresses. Some transactions were made from a device that had not previously appeared in the system, and the time coincided with a period when the client was on a flight — which was confirmed by boarding passes.
Outcome: The company reimbursed 5.6 million tenge for the disputed transactions on a pre-trial basis. No claims were made in respect of the remaining transactions, which the client had made himself — their outcome was a consequence of market risk.

Double debt

The same debt was demanded by two creditors at the same time

Situation: The client received demands from the bank and from a collection agency under the same loan agreement. The bank claimed it had not assigned the right of claim, while the agency produced an assignment agreement. The bank did not take into account the payments made to the agency, and the debt continued to grow.
What we did: We requested from both parties the documents on the transfer of the right of claim and the notification of the debtor. It turned out that the assignment had taken place, but the bank had not reflected it in its system. We sent both of them a request for reconciliation and recorded the payments made, with supporting documents.
Outcome: The debt was brought into line: the payments were taken into account and the double demand was withdrawn. The penalty accrued during the period of confusion was written off in full — 380 thousand tenge.

Refund of commissions

The company had been paying commissions for years for services it never received

Situation: During a review of the bank expenses of a small company, monthly charges were discovered for a package of services it did not use: the connection had been made automatically when the account was opened. Over three years this had accumulated to 1.4 million tenge.
What we did: We pulled the bank service agreement and the tariffs: the connection of the package was not confirmed by a separate application, and notices of tariff changes had been sent in a manner not agreed by the parties. We sent a demand for a refund with a calculation by period.
Outcome: The bank returned 900 thousand tenge for the periods in which consent to the service could not be confirmed, and disconnected the package. The company switched to a tariff suited to its actual turnover.

Useful information

Financial lawyer in Almaty: debts to banks and MFIs, restructuring and bankruptcy

Dmitry Kim Lawyer for financial disputes

Published: 21 July 2026 Updated: 16 September 2026

The situation is typical: several bank loans, a couple of microloans, the payments on them no longer match the salary, and the calls from collection agencies start before the month is over. The person takes out a new loan to close the old one, and a couple of months later the debt is bigger than it was. At that point it is easy to go down the wrong path: to accept the bank's first offer, to sign an additional agreement, or simply to stop answering the phone and wait for it to sort itself out.

The mistake is that loan agreements and the work of MFIs and collectors in Kazakhstan are subject to specific rules: what can be recovered, which charges can be challenged, how to reduce the burden through court or out-of-court procedures. Without going through the documents, it is impossible to understand where the bank or MFI overstepped and where the debt really is yours. Below are practical guidelines: what a financial lawyer for loans does, what ways of resolving debts exist, and what to prepare before the first conversation.

Financial lawyer in Almaty: when loans and microloans stop adding up

A car loan, an instalment plan for a phone, a card with a limit and three microloans — individually the amounts seem manageable, but together they eat up the entire salary. The overdue amount grows, the calls from banks and MFIs go on from morning till night, and there is simply nothing to make the next payment with. A familiar situation for many in Almaty, and it is not a dead end: a financial lawyer assesses the debt burden and offers one of three legal paths — recalculation, restructuring or bankruptcy.

The choice depends on how much you owe, what your income is and whether there is property that could be subject to enforcement. At a consultation, a financial lawyer will go through the agreements and tell you which option will actually work in your case, rather than wasting your time.

Recalculation — challenging unlawful commissions, insurance and penalties that make the debt grow faster than you pay it off.
Restructuring — new terms with the bank or MFI: a lower payment, a longer term, a pause on payments.
Bankruptcy — writing off debts through court, when there is objectively nothing to pay with and almost no property to recover.

How a financial lawyer differs from a loan consultant

A financial lawyer and a loan consultant solve different problems. A consultant usually explains the terms of the contract, outlines what procedures exist and gives advice. A financial lawyer goes further: he checks the bank's or MFO's calculations, reconciles payments against statements and finds errors that may have inflated the debt.

In addition, a financial lawyer represents the client's interests in court and works with court enforcement officers. He prepares procedural documents, challenges unlawful charges and seeks a review of the terms. Nine years of practice in financial disputes and more than 260 cases with banks and MFOs have shaped an approach in which around 60% of matters are resolved without court. So the choice between a consultant and a lawyer is a choice between advice and real action on the case.

A consultant explains, a lawyer checks the calculations and challenges the amounts
A consultant advises, a lawyer prepares documents for court
A consultant does not deal with court enforcement officers, a lawyer does
A consultant is not responsible for procedural deadlines, a lawyer controls them

Where to go for financial matters: bank, MFO or debt collectors

When a bank or MFO assigns the debt to a debt collection agency, the amount of the obligation does not grow — the assignment only changes who you pay. But it does not remove the need to check the calculation: accrued interest, penalties, commissions and insurance should be recalculated, since collectors often claim an amount that does not match the contract.

Negotiations on a deferral, instalment plan or reduction of payments are more effective when handled by a financial lawyer rather than by the debtor alone. A financial law lawyer checks the contracts, challenges disputed charges and approaches the bank, MFO or collector on your behalf, whereas personal calls usually end in demands to pay more.

A financial lawyer builds the conversation with the creditor on documents: he sees what the debt consists of, which amounts were lawfully charged and which can be removed. A bank or MFO responds to such an approach differently than to a private borrower who comes without calculations or references to the contract.

Insurance and commissions in a loan: how a financial lawyer recovers the excess

Insurance taken out when a loan is issued is often arranged together with the loan, and the client does not always understand what he is signing. If such insurance is cancelled within the period set out in the contract, in some cases the premium can be refunded. This affects the total debt: the insurance premium added to the principal reduces the loan body after recalculation.

A lawyer dealing with financial matters handles such situations: he checks how insurance and commissions are reflected in the contract and the payment schedule, whether the client had a real opportunity to refuse and where the money went. Recovering the excess does not clear the entire debt to the bank or MFO, but it reduces the amount on which interest is charged. Usually several conditions are checked.

whether the insurance was voluntary when the loan was issued
the cancellation period stated in the contract
whether the premium was included in the loan body
accrued commissions and fees

Debts of spouses: how a financial lawyer separates obligations

The most common question in such a situation: if the loans are in the husband's or wife's name, will the other spouse's property be taken? For a financial lawyer the answer rests on one criterion — what the borrowed money was spent on. Joint debts of spouses are divided when property is divided, while the personal debts of one spouse remain his alone. This means the creditor may claim a share in the debtor's jointly acquired property, but not the personal belongings and accounts of the other spouse.

A loan taken before marriage or spent on one spouse's needs is considered personal: treatment, education, repayment of his earlier debts, gifts to third parties. The bank or MFO must prove the opposite — that the money went to the family. Hence the practical conclusion for Almaty: a spouse who did not sign the contract cannot simply be 'added' to someone else's debt, but hiding joint property is equally pointless. That is why a financial lawyer first works out which obligations are joint and which are not, and builds the defence against recovery from there.

a loan in one spouse's name but spent on renovating the shared flat — the debt is joint
a loan taken before marriage or for personal needs — the obligation belongs to the debtor alone
a spouse's suretyship — a separate ground for liability on another's loan
division of property and division of debts go together

Three ways to resolve debts with banks: a financial lawyer compares

Recalculation — a dispute over how the debt was calculated: remove penalties, insurance and commissions. Restructuring — a new schedule: term, payment, deferral. Bankruptcy — write off debts that cannot be paid.

The law provides for out-of-court and court bankruptcy, as well as restoration of solvency. The choice depends on income, property and readiness to go through the procedure:

Recalculation — when the debt exists, but the amount is clearly inflated
Restructuring — when you can pay, but not with the current payments
Restoration of solvency — when a managed schedule under control is needed
Bankruptcy — when there is nothing to pay with and almost no property

Recalculation, restructuring and bankruptcy: what to choose
Option	What it gives	Who it suits	Main consequence
Recalculation	Removes unlawful charges and reduces the amount	The debt is inflated by penalties, insurance, commissions	A dispute with a bank or MFI, the debt amount is reduced
Restructuring	Changes the term and the size of the payment	There is income, but the payments are unaffordable	The debt remains, you will have to pay for longer
Restoration of solvency	A repayment schedule under the control of the procedure	There is property and a chance to settle up	The debt is preserved, but the payments become manageable
Bankruptcy	Writing off debts	Nothing to pay with, little property	Debts are written off, but there are restrictions

The choice of option depends not on the amount of debt, but on income, property and readiness to go through the procedure.

When a financial lawyer uses the Law on Bankruptcy of Individuals

Bankruptcy of individuals in Kazakhstan is regulated by the Law of the Republic of Kazakhstan on Rehabilitation of Solvency and Bankruptcy of Individuals of the Republic of Kazakhstan. A financial lawyer turns to this procedure when the debt burden has become unmanageable and income does not allow even partial repayment of obligations. The Law offers two paths: out-of-court and judicial.

The out-of-court procedure suits debtors without income and without property that can be subject to enforcement — when objectively there is nothing to pay with and this is confirmed. Judicial bankruptcy and rehabilitation of solvency are chosen if there is income or property: then the debt is either restructured under court supervision, or the property is sold to repay it. The difference lies in which creditors' claims can be written off and what consequences await the debtor, so a financial lawyer assesses the situation individually.

Out-of-court bankruptcy — for debtors without income and without property that can be subject to enforcement.
Judicial bankruptcy and rehabilitation of solvency — for those who have income or property sufficient for the procedure under court supervision.
In both procedures, a financial lawyer checks transactions over recent years to avoid refusal.
In bankruptcy, some obligations are not written off: alimony, compensation for harm to life and health.

MFIs and debt collectors: what a financial lawyer checks in the contract

Microfinance organisations in Kazakhstan do not operate in a grey zone: they are supervised by the financial regulator, and rates on microloans are capped by law. Therefore, a contract where the remuneration clearly exceeds the established limit is the first thing a financial lawyer tackles when a client brings in a folder of loans.

Next, everything that increased the debt beyond the amount disbursed is checked. A financial lawyer can challenge imposed insurance, fees for issuing and servicing the loan, charges for services that were not actually provided, and fines and penalties accrued for a period when the creditor itself delayed its response. Assignment of the debt to a debt collector requires particular attention: if the contract did not include the right to transfer the loan to third parties, the new creditor's claim is challenged. Here is what a financial lawyer checks in a contract with an MFI:

the maximum remuneration rate and the actual overpayment
insurance, fees and other payments beyond the loan
the clause on the right to assign the debt to debt collectors
penalties, fines and the periods for which they are accrued

Without court: when a financial lawyer resolves the matter through negotiations

More than half of all enquiries about loans and microloans are resolved without court — over the years of practice in financial disputes, around 60% of matters were settled through negotiations. Court is not in the bank's or MFI's interest either: it means time, costs and the risk that enforcement will drag on. That is why the creditor readily enters into dialogue if it sees that the debtor is ready to pay, but on realistic terms.

Negotiations require a package of documents: loan agreements and payment schedules, a statement of debt from the bank or MFI, account statements, proof of income, documents on life circumstances — illness, loss of job, reduced salary, caring for a relative. Verbal agreements with a call centre employee are worth nothing, so the outcome is recorded in writing:

a supplementary agreement to the contract with a new schedule and payment amount
a settlement agreement, if the case is already in court
a written response from the bank or MFI confirming the new terms
cancellation of accrued penalties and fines as a separate clause of the agreement

Documents for a financial lawyer: what to prepare for loans

To analyse the debt burden, a financial lawyer needs not only a description of the problem but also the documents. Gather all current loan agreements with banks and microfinance organisations, including those already partially repaid, together with the payment schedules for them. For each obligation, statements of the current debt broken down into principal, interest, penalty and commissions will be useful.

Separately, prepare the correspondence with the bank or microfinance organisation: letters, notices, demands, responses to claims. If communication took place in messengers or by email, save the screenshots and files. Such a set helps to determine precisely which amounts should be challenged and where there are grounds for negotiation.

What to gather for each loan:

The loan agreement with all supplementary agreements and annexes.
The payment schedule and the account statement for the entire period.
A statement of debt from the bank or microfinance organisation with a detailed breakdown.
Correspondence: letters, notices, demands and responses.
Documents on insurance and commissions, if they are included in the loan.

What documents a financial lawyer needs
Document	What it confirms	Where to obtain it
Loan agreement	Terms of the loan	From the lender or from you
Payment schedule	Amount and timing of payments	Annex to the agreement
Statement of debt	The amount of the debt and its composition	Request to the bank or microfinance organisation
Correspondence with the lender	History of communication	Email, messengers

The absence of some papers does not prevent the analysis from starting, but a complete picture speeds up the development of a strategy.

Mistakes that cost dearly: what not to do before visiting a financial lawyer

The most expensive mistake is silence in response to notifications from the bank, MFIs and debt collectors: the longer there is no reaction, the higher the chance that the contract has already been passed for enforcement and the amount has grown through penalties and commissions. Paying a debt collector without checking their authority is also a risk: money often goes not to the creditor, while the debt does not decrease. Taking out a new loan to close an old one is a trap that takes longer and costs more to get out of than the original one.

Agreeing to the proposed terms without doing the calculations is the second most costly mistake: a restructuring offered verbally by the bank may turn out to be unprofitable once all payments are recalculated. Before negotiations, a financial lawyer calculates what can realistically be reduced and what to insist on. Before visiting a financial lawyer, you should not sign settlement agreements, supplementary agreements or payment schedules. Bring your loan contracts and schedules for all loans — this is the basis for the review.

Do not ignore notifications from the bank, MFIs and debt collectors
Do not pay a debt collector without checking their rights and authority
Do not take out a new loan to repay an old one
Do not agree to terms without recalculating all payments
Do not sign agreements before a consultation

Financial lawyer for bankruptcy: what to expect from the procedure

Bankruptcy of an individual in Kazakhstan follows one of two procedures — out-of-court or judicial; the judicial one includes a review of transactions, possible sale of property and a subsequent restriction on obtaining new loans. A financial lawyer is needed not to "write everything off", but to assess whether the procedure suits your situation and what risks it creates.

At different stages, a lawyer on financial matters handles specific tasks: prepares the justification of insolvency, collects documents on transactions for the recent period, deals with objections from banks and MFIs, supports the sale of property and interacts with the court enforcement officer. The key questions a bankruptcy lawyer works through before starting:

Whether you have property that will be subject to enforcement
Whether transactions over recent years will be challenged
Which debts are not discharged in principle
How the procedure will affect co-borrowers and guarantors
What restrictions await you after the case is completed

Until you have gone through your loan contract and payment schedule, any decision — restructuring, recalculation or bankruptcy — you are taking blind. Start with the documents, not the negotiations.

Reviews

Reviews of a financial lawyer's work

4.9

Google

4.9 · 128

Yandex

4.8 · 94

2GIS

4.9 · 156

Zoon

4.7 · 41

Askar T. 14 August 2026

I came to them when the bank started demanding 4.3 million on a loan. At first I thought everything was fair, but the amount seemed somehow inflated. The lawyer sat down with me, laid out all the payments, and it turned out that part of the penalty had been charged twice. I would never have noticed this myself. After the recalculation, 3.1 million remained. I would have just paid the difference of 1.2 million without looking. Very grateful for the attentiveness and patience. They explained everything in simple words, without complicated terms.