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Vitacón law firm: feedback from customers and employees

Once in a difficult situation with a loan, many people try to solve their problem in various ways, including:

  • Registration of a new loan in another financial institution in order to pay off the current debt;
  • Sale of available property for full payment of the required amount;
  • Debt restructuring. Renewal of the contract for a longer period actually drives the borrower into even greater bondage, because the amount of overpayment also increases.

The above options are offered to the borrower by the banks in the case when the latter applies to a financial institution with a notice of the inability to repay the debt in a timely and full amount due to certain life circumstances (lower wages, loss of employment, etc.).

In such a difficult situation, it is important to provide assistance and support to specialists who know the law thoroughly and are ready to provide qualified legal protection to a person who has fallen into difficult financial circumstances.

The company "Vitacon" is able to take on the problems of resolving a financial issue, because every lawyer of this organization is a professional, behind which is a unique bag of practical knowledge and experience used in the interests of its clients.

What do the reviews say about the Vitacón law firm?

It is an organization capable of helping a person living anywhere in Russia. The company's offices are located in 24 regions of our country. Specialists conduct the reception in 24 cities, including Yekaterinburg, Volgograd, Kazan, Kirov, Omsk, Krasnoyarsk, Penza and others. Primary consultations and conclusion of contracts are carried out by managers in branches. The client's business is directly transferred to the main office located in Chelyabinsk. In places where there are no representative offices, the work is conducted remotely.

Remote mode of work implies the failure to appear in court at the place of trial representatives of the company "Vitacon". Clients should not worry about this, because such activities do not provide for the presence of parties in court: neither by the defendant nor by the bank.

The main area of activity of the company "Vitacon" is the financial protection of the population, namely, assistance to people who for some reason have lost the ability to pay loans.

Let's return to the question of the impossibility of paying a loan by an individual. There is another way to resolve this situation, which banks are silent on. This is a lawsuit. That is, a bank can file a default against the payer in order to resolve the issue of loan repayment. However, the financial institution deliberately delays the process of filing a statement of claim in order that the borrower has accumulated as much as possible fines and penalties, on which the institution, accordingly, will work. At this time, the financial situation of a person who can not pay off the loan, is catastrophically deteriorating. In addition, his and his close people are constantly harassing collectors, trying to "knock out" money. What in this case are employees of the company "Vitacon"?

Feedback from clients who have used the services of this organization indicate a professional approach to resolving the credit issue. Lawyers of the company take all legal methods of influencing the creditor, with a view to pushing him to sue the debtor. It is in the courtroom that a decision is made to reduce the amount of debt by abolishing illegal commissions, inflated penalties and fines. And then the borrower pays not a fabulous monthly amount, but not more than 50% of the official income, through bailiffs. If there are several creditors, this rate is distributed to all. If the borrower is responsible for the maintenance of dependents, or there are diseases that require expensive treatment, this rate can be reduced to 25-30% of the official income, and in some cases even lower. During loan repayments no fines and penalties are charged, and the maturity of the debt increases until the borrower can repay the full amount of the loan with its 50 percent of the salary. In this case, collectors, at last, leave the debtor alone: they do not write or call.

Proceeding from the above, it becomes clear that in a difficult financial situation it is worth turning to Vitacon. The testimonies of grateful customers who managed to save huge sums of money due to the professional work of lawyers confirm this.

Also the company "Vitacon" carries out the procedure of bankruptcy of individuals

If:

  • There is a debt of over 300,000 rubles,
  • Delay in payment over three months,
  • There is no ability to pay off creditors,

Then an individual has the legal right to declare himself bankrupt. What does this give? There is an opportunity to write off unpaid debts or to restructure them for up to three years. That is, bona fide debtors at the legislative level are given the opportunity to get rid of the excessive financial burden that has arisen due to life circumstances.

The bankruptcy procedure is rather complicated and consists of several stages, the implementation of which, including the appointment of a financial manager (the key person in this procedure, on which the judge's decision to write off the debt obligations depends), falls on the shoulders of Vitacon specialists.

In customer reviews, there is sometimes a mention of excessive tightening of the process, but the period of 4 to 12 months is completely justified. After all, it is worth taking into account the peculiarities of the Russian judicial system, repeated meetings. Plus, preliminary training: collection and ordering of information on the defaulter, processing and collection of necessary documents. Of course, many customers complain that the case can be transferred from one lawyer to another. But here, as in any enterprise, there is a human factor: hospital, maternity leave, dismissal. After all, as it was already said above, the conduct of one business takes a rather long time, therefore, such changes take place. The quality of work and the end result is not reflected in any way. All employees of the company are qualified specialists with vast experience behind their shoulders.

What is the result of the client of the company "Vitacon"? Comments and court decisions confirm: a full write-off of debts on the basis of a court decision on the release of a citizen from fulfilling the creditor's requirements. So, during 2017, more than 30 customers of the company wrote off their debts after going through the bankruptcy procedure, in 2016 the number of safely written off their debt by bankruptcy procedure exceeded 300 debtors.

What threatens the debtor with bankruptcy? The consequences are not so frightening:

  • Impossibility within 3 years to register a company and hold a management position (to be a general or executive director in LLC, OJSC and other organizational and legal forms),
  • Within 5 years, from the moment of completion of the procedure, the former creditor will have to inform the creditor in a mandatory form before taking the loan, that he passed the bankruptcy procedure.

What awaits the debtor, if he does not dare to go through the bankruptcy procedure:

  • The bank will sell the debt to the collectors, and pressure (including on relatives) will begin with new force;
  • The monthly accrual of interest and late payment interest will continue.

In addition, if the procedure for the recognition of a defaulter as a bankrupt is initiated by the bank, then the choice of the arbitration administrator will follow it. Consequently, the authorized person will act in the interests of the financial institution that appointed him, which threatens the borrower with recognizing him as dishonest. If the bank accepts the arguments of the arbitration administrator, the debtor will lose the opportunity to get rid of the debt, and his property will be sold. For an unscrupulous borrower, this also threatens to be evicted from an apartment that is pledged under a mortgage agreement, without providing other housing.

What else can you say about the company "Vitacon"? Customer feedback positively characterizes the consultations, which are held for free. During the first meeting with the client, lawyers:

  • Will help develop a plan for getting rid of loans;
  • Give useful advice with real examples from their own practice;
  • Will prompt how to protect themselves and their loved ones from pressure from the collectors.

How much is cooperation with Vitacon?

The cost of services depends on the total number of loans that are transferred to work. Payment can be made in small installments on a monthly basis.

What do employees say about Vitacon?

The feedback is positive and highlights the advantages of working in this organization:

  • Friendly, well-coordinated, always ready to come to the aid of the collective;
  • Timely payment of wages;
  • opportunity for career growth;
  • Loyal and fair leadership;
  • The acquisition of invaluable experience;
  • Great practice;
  • The possibility of moving to another city.

Of the drawbacks, a mandatory dress code is marked, the need for repairs in some offices. A special place in the reviews is given to the emotional component when acquainted with the difficult life situations of clients.

The company "Vitacon" helps people to solve their financial problems in the most beneficial way for them. And the social status, the amount of income and place of residence is absolutely irrelevant. For each client an individual security line is developed. In order that your question is taken up by the best Russian lawyers working in the company "Vitacon", you should conclude an agreement, after which the problematic situation will be taken under full legal control. The company "Vitacon" helps its clients legally to fully get rid of debts to creditors, giving freedom and confidence in the future.

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