Law company "Vitacon": reviews of clients and employees

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

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

• applying a new loan from another financial institution to pay off the current debt;
• sale of existing property for full payment of the required amount;
• debt restructuring. Renewing the contract for a longer period actually drives the borrower into even greater bondage, because the amount of the overpayment also increases.

The above options are offered to the borrower by banks in the event that the latter applies to a financial institution with a notification of the inability to repay the debt on time and in full due to certain life circumstances (lower wages, job loss, etc.).

In such a difficult situation, the help and support of specialists who thoroughly know the law and are ready to provide a person who has fallen into difficultfinancial circumstances, qualified legal protection.

The Vitacon company is able to take on the problems of resolving a financial issue, because every lawyer of this organization is a professional who has a unique store of practical knowledge and experience that is used in the interests of his clients.

What do reviews say about Vitacon law firm?

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

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

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

Let's return to the question of the impossibility of repaying a loan by an individual. There is another way to resolve a similar situation, which banks are silent about. This is a lawsuit. That isthe bank can sue the defaulter in order to resolve the issue of returning the loan. However, the financial institution deliberately delays the process of filing a claim in order for the borrower to accumulate as many fines and pen alties as possible, on which this institution, respectively, will earn. At this time, the financial situation of a person who is unable to pay off the loan deteriorates catastrophically. In addition, collectors constantly pester him and his close people, trying to "knock out" the money. What do Vitacon employees do in this case?

Reviews of clients who have used the services of this organization indicate a professional approach to solving a credit issue. The company's lawyers take all legal methods of influencing the creditor in order to push 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, excessive pen alties and pen alties. 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 in total 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 official income, and in some cases even lower. During loan repayments, no fines and pen alties are accrued, and the debt repayment period is extended until the borrower is able to repay his full salary with his 50 percentloan amount. At the same time, collectors finally leave the debtor alone: they don’t write or call.

Based on the above, it becomes clear that in a difficult financial situation it is worth contacting Vitacon. Testimonials from grateful clients who managed to save huge amounts of money thanks to the professional work of lawyers confirm this.

Also, the Vitacon company is conducting bankruptcy proceedings for individuals

If:

• there is a debt over 300,000 rubles,
• delay in payment over three months,
• lack of ability to pay off creditors,

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

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

In customer reviews, sometimes there is a mention of an excessively long process, but a period of 4 to 12 months is quite justified. After all, it is worth taking into account the peculiarities of the Russian judicial system, repeated meetings. Plus preliminarypreparation: collection and ordering of information on the non-payer, execution and collection of necessary documents. Of course, many clients complain that the case can be transferred from one lawyer to another. But here, as in any enterprise, there is a human factor: sick leave, maternity leave, layoffs. After all, as mentioned above, the conduct of one business takes a fairly long time, so such changes take place. It does not affect the quality of work and the final result. All employees of the company are qualified specialists with vast experience behind them.

What does a Vitacon client get as a result? Reviews and court decisions confirm: full cancellation of debts on the basis of a court decision on the release of a citizen from fulfilling the requirements of the creditor. So, during 2017, more than 30 clients of the company wrote off their debts, having gone through the bankruptcy procedure, in 2016, the number of those who successfully wrote off their debt in the bankruptcy procedure exceeded 300 debtors.

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

• inability to register a company and hold a managerial position within 3 years (to be a general or executive director in an LLC, OJSC and other legal forms),
• within 5 years from the date of completion of the procedure, the former lender will be required to notify the lender before taking a loan that he went through bankruptcy proceedings.

What awaits the debtor if he does not dare to passbankruptcy procedure:

• the bank will sell the debt to collectors, and the pressure (including on relatives) will begin with renewed vigor;
• monthly accrual of interest and late payment pen alties will continue.

Besides, if the procedure for declaring a defaulter bankrupt is initiated by a bank, then the choice of an arbitration manager will be his. Consequently, the authorized person will act in the interests of the financial institution that appointed him, which threatens the borrower with recognition of his bad faith. If the bank accepts the arguments of the arbitration manager, 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 the apartment serving as collateral under the mortgage agreement, without providing other housing.

What else can you say about Vitacon? Customer reviews positively characterize the consultations, which are free of charge. During the first meeting with a client, lawyers:

• help develop a plan to get rid of loans;
• will give useful advice with real examples from their own practice;
• will tell you how to protect yourself and loved ones from pressure from collectors.

How much does cooperation with Vitacon cost?

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

What do employees say about Vitacon?

Reviews are positive and emphasizeBenefits of working for this organization:

• friendly, well-coordinated, always ready to help team;
• timely payment of wages;
• career opportunities;
• loyal and fair leadership;
• gaining invaluable experience;
• great practice;
• possibility of moving to another city.

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

Vitacon helps people solve their financial problems in the most beneficial way for them. Moreover, social status, income and place of residence absolutely do not matter. An individual line of defense is developed for each client. In order for the best Russian lawyers working for Vitacon to deal with your issue, you should conclude an agreement, after which the problematic situation will be taken under full legal control. Vitacon helps its clients legally get rid of debts to creditors, giving freedom and confidence in the future.