Debt lawyer in Almaty — we act both for the creditor and for the debtor

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Debt lawyer reviewing debt documents with a client at the office in Almaty

First consultation free of charge, with an assessment of the real chances
We recover debts and protect those from whom debts are being recovered
We check the debtor before court: whether there is anything to recover
We cancel court orders issued without your knowledge

Debts and recovery

We recover debts under contracts, receipts and loans

We check the debtor's solvency before filing a claim

We cancel court orders and challenge inflated claims

We negotiate with banks and debt collectors on your behalf

We support enforcement proceedings and lift unlawful restrictions

Reviewing the debt situation: what evidence supports it, what can realistically be done, and whether going to court right now makes sense.

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11^years

of work with debt

We handle cases on both the creditor's and the debtor's side in Almaty and the region.
500⁺

debt collection cases

Receipts, loan agreements, supply, credits, debts between companies.
50^%

is recovered without court

A well-drafted demand letter and negotiations often resolve the matter faster than a lawsuit.
0^₸

initial review

First we assess the prospects of recovery, and only then discuss the engagement.

Collection under a receipt and a loan

Debt between individuals: demand letter, claim, interim measures and support until the money is actually received.

Debts between companies

Debt under supply, works and services: pre-trial work, court and subsequent enforcement.

Debtor check

We look at property, accounts, other enforcement proceedings and signs of bankruptcy — before you pay the court fee.

Setting aside a court order

The order was issued without your participation and you found out about it by chance — the deadline for objections is short, you need to act immediately.

Dealing with banks and debt collectors

We check the debt calculation, challenge unlawful commissions and penalties, and handle correspondence and negotiations on your behalf.

Enforcement proceedings

We support collection, work with the court enforcement officer, and lift unlawful arrests and restrictions.

Debtor protection

Reduction of penalties, instalment payment of the judgment, challenging inflated claims and unlawful charges.

Utility debts

We review the charges, challenge incorrect amounts and agree a repayment schedule.

Whether you are owed money or being pursued for it — we will assess the situation before the first step

The first consultation is free. If there is no one to recover from or the claim is lawful, we will say so directly — there is no point spending money on a hopeless case.

Message us on WhatsApp +7 778 325 44 44

Those who are not being repaid a debt
Debtors under pressure
Companies with receivables

Cost

Fees debt lawyer

Guidelines for common enquiries. The amount depends on the size of the debt and the stage of the case; it is quoted after reviewing the documents and fixed in the contract.

Service	What is included	Cost
Debt consultation	Review of the situation and assessment of recovery prospects	free of charge
Debtor check	Property, accounts, enforcement proceedings, signs of bankruptcy	from 30,000 ₸
Pre-trial demand letter	Preparation, sending and support in negotiations	from 40,000 ₸
Recovery through the courts	Statement of claim, participation in hearings, obtaining the judgment	from 180,000 ₸
Setting aside a court order	Objections and restoration of deadlines where necessary	from 50,000 ₸
Support in enforcement proceedings	Work with the court enforcement officer until actual recovery	from 100,000 ₸
Defence of the debtor in court	Reduction of penalties, instalment plan, challenge of the calculation	from 150,000 ₸
Negotiations with the bank or debt collector	Review of the calculation, correspondence and agreement of terms	from 80,000 ₸

Prices are indicative and do not constitute a public offer. State duty, notarial acts and postal expenses are paid separately and directly — we do not earn on them.

Find out the cost for my case

How the work proceeds debt lawyer

Review of the situation

We establish what confirms the debt, when it arose and what has already been done. A receipt, a contract and correspondence decide almost everything.

Checking the other party

We look at property, accounts and other enforcement proceedings. A claim against a person with no assets often makes no sense, and it is better to know this in advance.

Assessing the prospects

We calculate how much can realistically be recovered and within what timeframe. If there are no prospects, we say so before payment for the work.

Fixed-fee contract

We set out the scope and the amount in writing, before we start. As the case goes on, the invoices do not grow.

Pre-court work

A demand letter and negotiations. About half of all debts are recovered at this stage, without a court fee or hearings.

Court

Filing the claim, securing the claims, attending hearings and obtaining a judgment together with an enforcement document.

Enforcement

We work with the court enforcement officer: tracing property, imposing arrests, enforcing recovery. A judgment by itself does not bring in money.

Monitoring to the end

We handle the case until the money is actually received or until there is documentary confirmation that there is nothing to recover.

Has the debt been outstanding for more than a year?

Send us the receipt or the contract — we will tell you whether there are prospects of recovery and where to start.

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.

IOU

A loan of 4.5 million to a friend with no repayment date and three years of promises

Situation: The client lent an acquaintance 4.5 million tenge against an IOU, with no repayment date in it — they agreed it would be repaid “as soon as it turns up”. For three years the debtor replied to messages with promises, then stopped answering calls. The client was sure that since there was no date, there was no way to demand it through court.
What we did: We explained that such a debt is repayable on the creditor's demand, and sent a written demand by recorded delivery with acknowledgement of receipt — that is what started the clock. At the same time we checked the debtor: we found a car, accounts at two banks and a share in a partnership. A month later we filed a claim together with an application to seize the accounts and the car.
Outcome: The seizure was imposed before the first hearing, and the debtor only managed to move part of the funds out. We recovered 4.5 million of principal debt and 1.1 million in interest for the use of the money. The money was debited from the accounts, and the balance was cleared by selling the car.

Court order

He found out about the debt at the airport, when he was not allowed to leave the country

Situation: The client was taken off a flight at the border: a court order had been issued on a loan from five years ago, and he knew nothing about it. Notifications were sent to a flat he had sold four years earlier. The bank added commissions and penalties to the principal debt, and the amount almost doubled.
What we did: We urgently obtained a copy of the order, restored the deadline for objections by referring to improper notification, and secured the cancellation of the order. After that the dispute moved into ordinary claim proceedings, where we went through the bank's calculation line by line: some of the commissions had no basis, and penalties had been charged including for the period after the assignment of the debt.
Outcome: The travel ban was lifted within two weeks. After checking the calculation, the amount claimed was reduced by 38%, and on the balance we agreed a 12-month schedule with no additional charges.

Receivables

The buyer did not pay for three deliveries for six months, and the director made do with phone calls

Situation: The company shipped goods in three batches worth 9.8 million tenge, the delivery notes were signed, and no payment came in for six months. The director called himself, and was promised “next week”. In that time the buyer managed to change its director and founder.
What we did: We checked the buyer: we saw two recent claims from other suppliers and signs of preparation for bankruptcy. We did not waste time on negotiations — we sent a pre-action demand and within ten days filed a claim with an application to freeze the accounts, so as to get in the queue ahead of the other creditors.
Outcome: The accounts were frozen, and the buyer repaid the debt in full before the first hearing — it needed the money for its ongoing operations. By the time of enforcement, the two other suppliers, who had waited longer, had almost nothing left to recover.

Debt without a receipt

The money was transferred to a card without a single document

Situation: The client lent an acquaintance 2.4 million tenge in three card transfers. No receipt was drawn up — they agreed verbally, and the acquaintance was an old friend. A year later he stopped responding, and when asked directly he stated that the money had been a gift and that he was not obliged to return it.
What we did: We gathered evidence of the loan nature of the relationship: bank statements for all the transfers, messenger correspondence discussing the repayment deadlines and partial payments, and the testimony of a mutual acquaintance in whose presence the loan was discussed. We sent a written demand for repayment, recorded its delivery, and prepared the claim.
Outcome: We recovered 2.4 million in debt plus interest for the use of the money. The key evidence was the correspondence in which the debtor himself wrote about the repayment deadline — that is not how a gift is discussed.

Recovery from an LLP

The debtor company had no assets, but the money was found with its director

Situation: The client had a judgment to recover 14 million tenge from a trading company, but the enforcement proceedings produced no result: the accounts were empty, there was no property, and the business had ceased. Formally the debtor existed; in reality it was an empty shell.
What we did: We examined the movement of the company's assets before it ceased operations and found that the equipment and inventory had passed to another firm with the same participants and the same address. We filed claims to challenge the transactions and to hold the controlling persons liable for the company's obligations.
Outcome: The transactions were declared invalid and the property was returned. We brought the recovery up to 11.6 million tenge through the returned assets and the personal property of the director.

Defence of a debtor

The client was being sued for a debt whose limitation period had expired four years earlier

Situation: The woman received a claim for recovery of debt under a contract concluded nine years earlier. She had made her last payment seven years ago, after which the creditor went silent, and the claim had been resold twice. The amount with accrued charges had grown to four times the original.
What we did: We checked the dates in the documents and established that the limitation period had expired. We raised it in writing and separately — this is the key point, since the court does not apply the limitation period on its own initiative. At the same time we checked the calculation: part of the charges had been accrued after the assignment of rights.
Outcome: The claim was dismissed in full due to the expiry of the limitation period. The client paid nothing, and the entry in her credit history was corrected at her request.

Accounts receivable

A construction company was not paid by five customers at once

Situation: The contractor completed work on five sites, signed the acceptance certificates, and received payment for none of them: the customers cited cash-flow gaps and asked for time. The total amounted to 47 million tenge, while the contractor itself was delaying wages to its workers and payments to suppliers.
What we did: We sorted the debtors by prospects: with two that had money and reputational risks, we held negotiations and agreed payment schedules backed by the personal guarantees of their directors. For two we filed claims with simultaneous interim measures, and for one that was in a pre-bankruptcy state we urgently filed a claim in the register.
Outcome: Within seven months we recovered 38 million tenge. The company settled with its workers and suppliers, and the standard construction contract was rewritten: it now includes a penalty, an acceptance procedure and security for payment.

Enforcement proceedings

The judgment sat without action for a year and a half; the money was recovered in three months

Situation: The client obtained a judgment to recover 5.3 million tenge, handed it to the enforcement officer and waited. For a year and a half nothing happened: the debtor was listed as insolvent, requests were formally sent, and the responses were not analysed. The client believed the money was lost.
What we did: We reviewed the case file and saw that requests had not been sent to all the authorities, and the replies received about the existence of vehicles and a share in a company had not been acted upon. We filed applications to seize the identified property, to restrict the debtor from leaving the country and to verify the debtor's income, and lodged a complaint about the inaction.
Outcome: After the car was seized and travel restrictions imposed, the debtor repaid the debt in full within three months. What worked was not the actual seizure of property, but the very prospect of losing it.

Useful information

Debt lawyer: how to recover money and what to do if a claim is made against you

Dmitry Kim Lawyer for financial and automotive disputes

Published: 25 June 2026 Updated: 16 September 2026

The situation is similar for everyone: money was lent or received, and now one side demands repayment while the other will not pay. Some come with an IOU, some with messages and the hope that this will be enough, some with a court order freezing their account and calls from debt collectors. This is the stage where people most often lose time: they wait, trust verbal promises, write IOUs that mean nothing, or, on the contrary, pay a claim made against them without even checking whether it is lawful.

In Almaty, debt disputes go through court, and after a judgment — through a private or state court enforcement officer. The difference between "just waiting" and properly working with documents is huge: sometimes a correctly drafted IOU decides the matter, sometimes the deadlines, sometimes the fact that the money was actually handed over. Below we look at when you need a debt lawyer, what they check, how they help without going to court, and what objections a debtor can raise.

When you need a debt lawyer and what they help with

Debt stories come in two opposite types: some people want to recover their money, others want to defend themselves against claims made against them. That is why a debt lawyer is equally in demand among creditors and debtors, even though their positions in a case are different. Some come with an IOU or a contract and cannot get paid, while others receive a claim letter, a notice that their account has been frozen, or calls from debt collectors.

On the creditor's side, a debt recovery lawyer gathers documents, checks the deadlines and payment history, prepares a claim and pursues actual recovery. On the debtor's side, a debt lawyer checks the calculation, challenges the penalty, helps obtain an instalment plan and lift unlawful restrictions. These are not the same case: you cannot simultaneously recover and defend in the same dispute.

It is worth consulting a debt lawyer for individuals in a wide range of situations:

A debt under an IOU or contract, money is not being repaid
A loan, microloan or utility arrears
Demands from debt collectors, a frozen account, seizure of property
A dispute over the amount of the debt, penalty or interest
You need an instalment plan, restructuring or personal bankruptcy

Debt recovery lawyer: is it realistic to get the money back

Recovering money is realistic when there are documents confirming the debt and the debtor has something to pay with: a job, a business, property. If there are no documents or the debtor is bankrupt with no assets, a debt recovery lawyer will tell you honestly so that you do not waste time. 500+ recovery cases — IOUs, loan agreements, supply contracts, loans, debts between companies, where documents and ability to pay decide the outcome.

Most often people come with an IOU or a loan agreement: what matters is how the transfer of money was documented, whether there is a signature and a repayment date. In a supply dispute, the argument centres on delivery notes, invoices and a reconciliation statement — they prove that goods were shipped but not paid for. In a loan case, the bank usually already has a court judgment, and a debt recovery lawyer works on challenging the amount or agreeing a payment schedule.

If there is an IOU or a contract, a money recovery lawyer will check the deadlines, signatures and confirmation that the funds were transferred. If the debt arises from a supply contract, you need delivery notes, invoices and correspondence acknowledging the debt. If it is a loan, the recovery lawyer looks at the court judgment, the bank's calculation and your objections. Money recovery lawyers and debt recovery lawyers in Almaty start with an assessment: does the debtor have property, accounts, income. Without that, even a perfect IOU remains just a piece of paper.

The difference between these cases determines what to do next and which documents to gather first:

an IOU or loan agreement — confirms the debt itself and the repayment date
supply — proved by delivery notes, invoices and a reconciliation statement
a loan — the bank's calculation and the grounds for objections matter
the debtor's solvency — property, accounts, official income

Lawyer's consultation on debts: what to check before court

Before discussing a claim, court or the work of a court enforcement officer, you need a lawyer's consultation on debts. It is built not on emotions but on documents: the lawyer looks at what confirms the transfer of money, who the other party is and whether there is anything to recover from them. Without this, any demand is just words.

For a lawyer's consultation on debt recovery, gather everything that records the agreement and its performance: correspondence, cheques, receipts. In a promissory note (raspiska), the date, amount, signature and details of the parties matter. If there is no promissory note, correspondence acknowledging the debt and transfer statements will do.

The debtor is checked separately. If there is no one to recover from or the demand is unlawful, you will be told so directly: there is no point paying for a hopeless case. At a consultation on debts, your own situation is also examined when money is being demanded from you. What to prepare:

Identity card and IIN.
Contract, promissory note, invoice, correspondence.
Cheques, receipts, statements of transfers.
Information about the debtor: address, place of work, transport, real estate.

Lawyer's services for debt recovery without court

Before court, a dispute is often resolved by a letter of demand. A lawyer's services for debt recovery include preparing a written demand: it states the basis of the debt, the amount and the consequences of refusal. If the debtor does not respond or stalls, the lawyer calls and meets them to discuss a payment schedule.

Some debtors pay after the very first written demand, once they see that the documents are in order and the lawyer is ready to go all the way.

A lawyer conducts debt recovery not only through court. If a pre-trial procedure is set out in the contract or established by law, the claim will be returned without a letter of demand — under the Civil Procedure Code of the Republic of Kazakhstan this is grounds for returning the application. If a pre-trial procedure is set out in the contract or established by law, the claim will be returned without a letter of demand — under the Civil Procedure Code of the Republic of Kazakhstan this is grounds for returning the application. If a pre-trial procedure is set out in the contract or established by law, the claim will be returned without a letter of demand — under the Civil Procedure Code of the Republic of Kazakhstan this is grounds for returning the application. If a pre-trial procedure is set out in the contract or established by law, the claim will be returned without a letter of demand — under the Civil Procedure Code of the Republic of Kazakhstan this is grounds for returning the application. Legal services for debt recovery also include the pre-trial stage, so debt recovery may begin with an ordinary letter. Check whether you have a promissory note or contract and correspondence: this is the basis for a demand.

A written letter of demand with a calculation of the debt and a deadline for a response.
Calls and meetings with the debtor to agree on payment.
Recording promises: payment schedule, partial payment.
A warning about court and interim measures.
Preparation of documents for court if an amicable solution fails.

Promissory note in hand: pre-trial demand or a claim in court

A promissory note in hand does not yet mean the money will come back quickly. A pre-trial demand is a written reminder to the debtor with a calculation of the debt and a payment deadline. Often it is enough: the person pays without going to court. If there is no response or the debt is disputed, legal debt recovery through court begins — with a claim, evidence and enforcement.

The two routes differ in speed, volume of documents and workload. The pre-trial stage is shorter and simpler: you need the promissory note, the calculation and confirmation that the demand was sent. In court, a claim, evidence of the transfer of money and a check of the debtor's calculation are added — if they submit their own version, the debt recovery lawyer compares it with the promissory note and payments in order to challenge inflated or unfounded amounts.

Debt recovery as legal services includes both stages, and the choice depends on the debtor's behaviour. Below is a comparison by key parameters.

A pre-trial demand is faster and cheaper in terms of effort, but depends on the debtor's goodwill.
Court takes longer and requires a full package of evidence, but gives you an enforcement document.
Checking the debtor's calculation in court is a mandatory step: without it, it is easy to agree to an inflated amount.
Enforcement through a private or state court enforcement officer is possible only after court.

Pre-trial demand and court: comparison
Parameter	Pre-trial demand	Court recovery
Speed	Faster	Longer
Documents	Receipt, calculation, notification	Claim, evidence, calculation
Verification of the debtor's calculation	Not required	Mandatory
Result	Voluntary payment	Enforcement document

The choice of route depends on the debtor's reaction and the completeness of the evidence.

A debt older than three years: the chances for a debt recovery lawyer

A debt recovery lawyer looks first not at the amount, but at the date. If more than three years have passed since you learned of the violation of your right, this does not yet mean the money is lost. The limitation period does not expire on its own: the court does not treat it as missed on its own initiative.

It is applied only when the other party raises it in the proceedings. Until such a statement is made, the case is heard on the merits. And in a number of cases the period runs differently or is interrupted: for example, the debtor made a partial payment or acknowledged the debt in writing. After that, the count starts anew.

That is why, when recovering a debt, a lawyer first checks how the period runs under your documents, and only then builds the position. This check determines whether it makes sense to go to court and what evidence to prepare. What exactly is examined:

A partial payment made before the three years expired and confirmed by a bank statement or receipt.
Written acknowledgement of the debt: a message, a letter, a signed reconciliation act.
A contract, receipt or correspondence showing the date the obligation arose.
Any documents showing an attempt to recover the money, if they changed the running of the limitation period.

Lawyer for debt recovery and court enforcement officers

After a court decision, the lawyer for debt recovery moves the matter into practical territory: an enforcement order must be obtained from the court once the decision enters into force and passed to a court enforcement officer. In Kazakhstan, enforcement is carried out either by state or private court enforcement officers. A private one works under a contract with the creditor and usually reacts faster to the debtor's property; a state one acts within its own territory and queue of cases. The practical meaning differs for the debtor and the creditor, but the essence is the same — without enforcement proceedings, a court decision remains just a piece of paper.

At this stage, the lawyer for debt recovery handles three tasks: finds property that can be attached, checks whether it is being moved out of reach, and monitors the deadlines and the enforcement officer's actions. If the enforcement officer does nothing, the lawyer for enforcement proceedings prepares a complaint to the court or to the justice authority, and against a private court enforcement officer — also to the regional chamber of private court enforcement officers. This is not a formality: delay often means the debtor manages to re-register an apartment or car to relatives, and debt recovery for the lawyer becomes more complicated afterwards.

The timelines here are not set by a single date. The pre-action stage takes several weeks, the court — from several months, enforcement — a separate period depending on whether the debtor has property. We give realistic timelines after checking the debtor. That is why lawyers for debt recovery first assess the prospects rather than filing documents blindly. What is worth checking before starting:

whether the debtor has official income and accounts
whether property is registered in their name
whether property was sold in recent months
whether enforcement proceedings are already underway by other creditors

Debt lawyer defends: account freeze and debt collectors

When a person learns about a debt because their account is frozen, a court order has most likely already been issued. You need to act fast: obtain a copy of the order from the court and file objections. The deadline for this is short, but it can be restored if the documents were sent to an address where you do not live. After the order is cancelled, the creditor has to file an ordinary claim, and in claim proceedings the calculation can be checked — that is what a debt lawyer does.

If debt collectors are demanding payment, only an agency included in the register of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market may work with the debt, and only under a contract with the creditor. But their actions are limited: threats, night calls, disclosing the debt to third parties and pressure on relatives are not allowed. Each such violation is grounds for a complaint to the Agency for Regulation and Development of the Financial Market, and where there are threats — also to the internal affairs bodies. Collecting evidence — recordings of conversations, screenshots, witness testimony — is best left to a lawyer for debt recovery from individuals, who will assess whether there are prospects for a defence.

While the proceedings are ongoing, you should not pay dubious claims or agree to terms being forced on you. Any action — acknowledging the debt, a partial payment — can affect the outcome of the case. So get advice first and have the documents checked.

Obtain a copy of the court order and check where the documents were sent.
Record all contacts with debt collectors: dates, times, the content of the conversations.
Do not enter into correspondence or acknowledge the debt before consulting a lawyer.
File objections to the order or a complaint about the debt collectors' actions in the prescribed manner.

Reducing the debt in court: what a lawyer challenges for the debtor

When a lawyer for debt takes on defending a debtor, the main thing is to assess soberly what can be changed in court and what cannot. The principal debt under a contract or receipt does not disappear: if the money was received or the service was provided, the court will award the sum. But the penalty is often reduced if it is clearly disproportionate to the consequences of the delay.

Unlawful commissions, insurance, imposed services and erroneous charges are challenged and removed by the lawyer — they simply should not be in the calculation. But if the creditor's claim is lawful and supported by documents, there is no point spending effort on a hopeless dispute: the court will leave the debt in place.

Legal assistance with debt recovery in such cases is built on checking every line of the calculation. What is challenged and what is not is easier to see in a table.

The calculation of the claim amount and the period of delay are checked.
Payments are verified: whether the creditor has credited them.
A reduction of the disproportionate penalty is sought.
Commissions and imposed services are challenged.

What can be challenged in court and what cannot
Position	Challenged	Outcome for the debtor
Principal debt	No	Remains recoverable
Penalty	Yes	Reduced if disproportionate
Commissions and insurance	Yes	Removed as unlawful
Erroneous charges	Yes	Excluded from the calculation

No one can promise to write off the entire debt — what is at stake is reducing and cleaning up the calculation.

Debt without a receipt and utility bills: where a lawyer looks for evidence

When there is no receipt, the debt can still be confirmed — it comes down to the set of evidence. A lawyer dealing with debt recovery looks at transfers through a bank or e-wallet, messenger correspondence, witness testimony, partial repayments and acknowledgement of the debt in messages. If the debtor promised in the correspondence to repay or asked for more time, that also works as confirmation.

Utilities are more complicated: charges are generated automatically, and calculation errors are common. A debt lawyer requests a breakdown, checks tariffs, floor area, norms and meter readings, and verifies whether charges were made for other periods or at an inflated tariff. After the review, some claims are dropped, the penalty is reduced, and for the remainder it is realistic to agree a repayment schedule.

What is usually checked on a utility debt:

Correctness of the tariff and consumption norms
Charging periods and meter readings
Duplicate or third-party charges
The amount of the penalty and the grounds for charging it
Existence of debt that has already been recovered

The only home and other exceptions: what to expect from a debt lawyer

A popular myth: "if it's your only home, no one will take it away". In reality, the protection does not always work. Under the Law "On Enforcement Proceedings and the Status of Court Enforcement Officers", an only home is included in the list of property that cannot be subject to enforcement, but there are exceptions to the rule. The most common is a mortgage: if the flat is pledged to a bank, it can be sold off in case of default, even if there is no other housing.

The outcome depends on two things: the basis of the debt and the status of the property. Debt under a loan, alimony, taxes or compensation for harm is recovered differently. It matters who owns the home — the debtor, the spouse, the children — and whether there is an encumbrance or pledge on it. The same address can be protected in one situation and vulnerable in another.

Alongside these are other debt disputes: recovery of debts from individuals and organisations, under a receipt and a contract, alimony, loans, distressed and international debt. Each area has its own evidence and its own exceptions to the general rule on protection of property.

Housing pledged under a mortgage — the protection does not apply.
If the owner is not the debtor but a spouse or a child, the prospects are different.
The basis of the debt is checked: loan, alimony, taxes, compensation for harm.
Status of the property: encumbrances, shares, joint ownership.

The most costly thing in a debt dispute is silence and unverified documents. Before paying or going to court, check the receipt, the deadlines and the fact that the money was handed over: whether the dispute is won depends on this.

Reviews

Reviews of a debt lawyer's work

4.9

Google

4.9 · 128

Yandex

4.8 · 94

2GIS

4.9 · 156

Zoon

4.7 · 41

Aidos K. 12 August 2026

I lent money to an acquaintance against a handwritten receipt, but we didn't state the repayment date in it — out of foolishness, we just wrote the amount and signed. For three years I reminded him gently, then I got angry and didn't know where to even start. A friend advised me to go to lawyers, because I was afraid that a receipt without a term means nothing at all. At the office Asel sat down with me, calmly went through the papers and said that first we needed to send a demand, and only then could we go to court. Honestly, I thought it was unnecessary red tape, but it turned out otherwise. After the court, the debtor's accounts were frozen, and the money was debited straight from there. I didn't wait long, communication was normal throughout, no pressure and no clever words. I got the whole amount back, though I had almost accepted that it was gone. What I particularly liked was that everything was explained to me in plain language and I wasn't made to worry any more than necessary.