Ukraine has simplified debt collection: what will change for citizens in 2026

Ukraine is changing its debt collection rules: the process will become faster and more automated. The new law has already been passed by the Verkhovna Rada and provides for the digitization of enforcement proceedings and new restrictions on debtors. Learn more about the key changes and how they will affect Ukrainians

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On April 7, the Verkhovna Rada of Ukraine approved Bill No. 14005, which significantly changes the approach to the enforcement of court decisions and debt collection. The bill is part of the country’s European integration reforms and aims to streamline procedures, shorten processing times, and actively introduce digital tools into the work of the enforcement service.

The changes will affect debtors themselves, as well as banks, notaries, government agencies, and other participants in the process. Some procedures will become automated, and oversight of debtors’ assets will become stricter.

In this article, we break down exactly what will change and what consequences this will have for Ukrainians.

What has changed in the debt collection procedure?

The new law significantly updates the mechanism for enforcing court decisions. The main focus is on digitizing processes and reducing the time required for interaction between agencies, which will directly impact the speed of debt collection.

The key change is the expansion of the capabilities of the automated enforcement proceedings system. It will gain broader access to data and will be able to interact more quickly with various institutions, including banks and financial organizations.

Closer integration between the Unified Register of Debtors and other state registers is also being implemented. This means that information about debts will be promptly verified and used during various legal and financial transactions.

The following changes deserve special attention:

1. Enforcement officers will gain faster access to information about debtors’ accounts and assets

2. Data exchange between government agencies and financial institutions will become automated

3. The enforcement process will become less dependent on human intervention

In effect, the system is transitioning to a more centralized and digital model, where most actions will occur without delays or additional requests.

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What restrictions are being imposed on debtors?

In addition to technical changes, the law significantly tightens control over debtors’ actions, particularly regarding their property. This means that avoiding enforcement through formal procedures will become significantly more difficult.

One of the key innovations is the linking of any property transactions to the Unified Register of Debtors. If a person is listed in the registry, this automatically affects their ability to dispose of assets.

Specifically, the following restrictions are provided for:

1. Notaries and other authorized persons will refuse to allow the transfer or pledge of a debtor’s property

2. Verification of the debtor’s status will become mandatory when executing relevant transactions

3. Any property transactions may be blocked until the debt is repaid

In effect, inclusion in the registry automatically restricts an individual’s financial freedom and prevents certain transactions from taking place.

At the same time, the law provides for a fast mechanism to lift restrictions. After the debt is fully repaid, the system automatically generates a confirmation, which serves as the basis for:

1. Removing the individual from the Unified Register of Debtors

2. Lifting freezes on bank accounts and electronic money

3. Canceling encumbrances on securities

In other words, the process becomes not only stricter but also more transparent: restrictions are imposed more quickly but are also automatically lifted after obligations are fulfilled.

What exceptions are provided for debtors?

Despite the tightening of controls, the law also introduces important social safeguards. These relate to housing protection and take into account the conditions of martial law.

The most significant exceptions relate to the debtor’s sole residence. The law restricts the possibility of its forced seizure in a number of cases.

Specifically, the following provisions apply:

1. It is prohibited to seize the sole residence of military personnel during martial law and for one year after its conclusion

2. Seizure of the sole residence is not permitted if the debt amount does not exceed 432,000 hryvnias (equivalent to 50 minimum wages)

These restrictions are intended to prevent situations where a person might lose their sole residence due to a relatively small debt or while serving in the military.

Separately, the law takes into account the situation in war-affected territories. Specifically, it provides for:

1. The lifting of liens for utility debts in combat zones

2. Similar exemptions for temporarily occupied territories

We remind you! Ukraine is experiencing a growing labour shortage: there are two jobs for every applicant. Find out which professions are most in demand, why there is a shortage of workers, how the situation differs across regions, and what the forecasts are for the labour market until 2027.

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