Creditors are increasingly seizing assets from debtors. Here’s what they are not allowed to take.

In 2024, the number of cases of property recovery through enforcement documents increased by 24%, reaching 15,600. Bailiffs can impose liens on the property of debtors for further sale; however, there is a list of items that cannot be seized.

Such exceptions include the following essential items:

• personal belongings,
• hygiene products,
• medications,
• a basic set of furniture,
• a refrigerator,
• a television,
• a personal computer,
• one mobile phone per person.

Additionally, food supplies for three months, property for religious ceremonies and professional activities, as well as agricultural animals and seeds for planting, are also protected. Individuals with disabilities may retain rehabilitation aids and specially provided vehicles.

Recovery through enforcement documents primarily targets the debtor's monetary assets in hryvnias and foreign currency, as well as other valuables, including bank accounts, deposits, and securities accounts.

If the available funds and assets are insufficient to meet obligations, recovery will extend to other property of the debtor, except for that protected by law. The debtor may indicate the property that should be prioritized for recovery, but the final decision on the order lies with the state executor.

Previously, "Telegraph" reported on the consequences of debts from microloans. Aside from persistent calls, one could face real problems.