They Are Threatening My Enforcers | First Debt


If you ignore reminders from your creditors, you can now expect to be asserted by professional enforcers. This can give your creditors the mandate to recover the amount owed. Another option may be to sell your claim to another creditor, which is currently the enforcement agency that is making a living. In order to be successful and feed on the market, they usually use law-edge practices. There are a large number of smaller companies in Slovakia, only a few are large collection agencies.

Although enforcement agencies do not have any support and options in the law (such as a bailiff), their actions are very effective.

What are the enforcement techniques?


The goal of the debtors is to break the debtor mentally and recover the debt in almost any way . In practice, these can be frequent and intense visits by borrowers at home, at work,… actually everywhere. By intense we mean intimidation and blackmail. Almost no one will endure such pressure for a long time, and in many cases they prefer to borrow to pay the debt. But as a result, the borrower only continues to debt and begins a vicious circle.


What can the enforcer do and what must not?

What can the enforcer do and what must not?

If you are approached by a enforcer, it must be proven whether he is acting on the basis of your creditor’s full power or whether he has purchased the claim. Whether it is actually eligible for recovery. Then you can try to find a friendly solution with him, which in most cases will fail. These negotiations can be very emotional and even aggressive. Therefore, keep in mind that:

  • Enforcer is not a bailiff, ie. is not an official
  • Enforcer must not enter your apartment / house
  • The enforcer must not confiscate property
  • The enforcer must not use police interrogation methods
  • Keep witnesses, ideally camera on.
  • Never pay anything in cash!


Change of lender

If the creditor is changed, you will be notified of the assignment (in terms of divestiture) of your claim to another creditor. You do not need your consent to do so (except when there is an agreement with the creditor that the claim cannot be transferred to another person). Upon receipt of the notification, it is your responsibility to repay the obligation to the new creditor.



If you do not want to be under pressure and pay 100% of your debts, please contact us.

Our certified specialists will be happy to advise you for FREE.

Our separation of legal aid is able to reassess all of your commitments and find loopholes that make it possible for court claims against creditors to be challenged. Alternatively, we will be able to agree with the majority of creditors on better terms and payment schedules that will be acceptable to both parties. It depends on the particular case.

Do not wait until your debts grow over your head and contact us via our contact form or by calling 0800 221 331 . We will help you!

Personal bankruptcy | First Debt Consolidation


Are you over-indebted, failing to meet your obligations, and do you have an execution against you ? A possible solution for you could be debt relief, also known as the so-called debt relief. personal bankruptcy .

Personal bankruptcy is the way in which entrepreneurs and individuals can dispose of their debts by one of the two forms of law, either in the form of bankruptcy or in the form of an installment schedule.


100% debt relief can be achieved without any property!


100% debt relief can be achieved without any property!


Currently, the most favorable conditions are set for debt relief from all over Central Europe. Personal bankruptcy is possible even if you have no assets. As a result, almost everyone can reach it. However, this situation is unsustainable in the long term, so conditions are expected to tighten again. So do not hesitate to miss this unique opportunity to get rid of all your debts and start a new life.


Personal bankruptcy

Personal bankruptcy


The first debt relief service has been in operation in Slovakia for more than 6 years. We have great experience in debt relief and we can boast thousands of satisfied customers. This allows us to offer very fast, flexible and quality services. We will prepare all the documents within a week!

Do not postpone your problem solving and fill in request online *. The legal aid application will be ready within 7 days.

* Your operator will contact you within 24 hours. It will select the office of the Bailiff’s closest to your residence. We will arrange a free appointment for you to analyze and suggest the best option for debt relief. You will then submit the supporting documents and within 7 days you will have a request for legal aid for personal bankruptcy together with the necessary annexes to the relevant Legal Aid Center.


Conditions of personal bankruptcy


Conditions of personal bankruptcy


A personal bankruptcy application will be submitted to the Legal Aid Center (CPP). The Legal Aid Center is a state budget organization established by the Ministry of Justice of the Slovak Republic on the basis of Act no. 327/2005 Coll. on providing legal aid to persons in need.

Who is entitled to personal bankruptcy? Below is a list of terms a person must meet:

  • You must be insolvent – you must have at least one debt of more than 180 days overdue
  • There must be at least one execution proceedings against you
  • The amount of your debt must be greater than the value of your assets
  • In the event of a bankruptcy, you must return a loan of EUR 500 to the Center for Legal Aid for a period of 3 years after the debt relief is granted, which the Legal Aid Center will provide you with a fee for the administrator
  • In the case of a repayment schedule, you must pay EUR 670, – as a reward to the administrator and the designated lawyer
  • Within 6 years of permission for debt relief (from court ruling), in the event of a minor inheritance, donation or win from a bet or game, you are obligated to voluntarily offer at least half of that money to creditors to meet unenforceable debt
  • You have to have so called a center of major interests , that is, you must have a residence, family, relationships, property, economic and social ties that can be proven

Whether you are entitled to personal bankruptcy and meet the conditions you can verify in our unique bankruptcy calculator.


When is personal bankruptcy the appropriate way to deal with your debt?

Personal bankruptcy is an ideal solution for all those who are unable to pay their debts, whose debts exceed their assets, and the bailiff is conducting execution proceedings against them. By ordering the debt relief court, all court proceedings relating to your debts are brought to a standstill, and at the same time the debt relief is the reason why you can file a motion to suspend executions against you. Obviously we will make the necessary proposals.

Forms of debt relief


1) Bankruptcy

Bankruptcy is a form of debt relief for people who have no assets or are willing to give up their assets in exchange for getting rid of their debts.

2) Payment schedule

The repayment schedule is a form of debt relief for people who have property and want to keep it. The monthly income of a person wishing to use the installment plan must be such that, after paying for the basic necessities, he or she is able to pay 110% of the value of his property in installments over a five-year period. During permitting of debt relief in the form of an installment schedule, the so-called protection from creditors, ie executions against the debtor is postponed by law.

Our specialists and lawyers will consider whether it is more advantageous for you to have a bankruptcy or repayment schedule. They will prepare all the documents so that the administrative proceedings before the Legal Aid Center and the court proceedings before the bankruptcy court will be without problems.



The course of personal bankruptcy


Personal bankruptcy has several phases:

  1. Submission of an application for legal aid for personal bankruptcy together with the necessary annexes to the relevant Legal Aid Center
  2. Decision of the Legal Aid Center on granting legal aid: ( A) in the event of bankruptcy, the designation of the Bankruptcy Center; (B) in the case of a repayment schedule, the appointment of a lawyer for the preparation and submission of an application to determine the repayment schedule
  3. Submission to court (electronically), which should decide on the application within 15 days of service
  4. Court’s decision to grant debt relief , which decision will also be appointed by the trustee (the effects of debt relief are already made by a judicial decision)
  5. Another course of personal bankruptcy – A) in case of bankruptcy is the realization of the property . If the debtor does not have any assets, the trustee shall notify it in the Commercial Bulletin and the bankruptcy shall be canceled (terminated); B) in the case of a repayment schedule, a five-year period occurs during which the debtor is paying the intended repayment schedule
  6. Termination of proceedings


Do You Need To Use A Credit Card To Shop? Title Loans

Of course, you spend a lot of time shopping for household needs, especially before Idul Fitri. Although traditional markets offer cheaper prices, some of you may choose supermarkets or supermarkets as your loyal shopping buddies. In addition to a comfortable shopping atmosphere, supermarkets also provide convenience from the various payment modes offered, one of them is by using a credit card. But do you need to use a credit card to shop during Ramadan?

Consider the amount and type of your expenses

Consider the amount and type of your expenses

How big your nominal expenses and the type of goods you buy are things that need to be considered in determining whether you need to use a credit card or not. Some features of a credit card can indeed help you save on spending in Ramadan. However, it’s a good idea to consider ways to maximize these features so you can save more. For example, if you buy dinner and see a promo at a restaurant using your credit card, before deciding to use the promo, it’s a good idea to compare your initial dinner budget with the final price of the promo. Not infrequently the promo encourages you to spend more than you normally spend.


This cashback feature is one of the most tempting features of a credit card. When spending money on shopping, you can get money back from the transaction. The example is this: for example there is a promotion with a 2% cashback feature in your subscription, then you shop for 2 million rupiah, so from this transaction you can get 40 thousand rupiah back to your pocket. To maximize this feature, of course you need to pay attention to the cashback percentage offered and the maximum limit of the cashback .

Promos and Discounts

Some banks work together with certain brands to provide benefits in the form of discounts. Here you need to pay attention to which brands give discounts on your credit card, so you can get the maximum discount. This is not only limited to physical stores, but also online stores and e-commerce.

Supermarket Special Credit Cards

 Supermarket Special Credit Cards

Some banks offer credit card offers that work directly with your favorite supermarket. This special credit card usually gives you benefits at a discount that is more frequent and with a greater percentage. It is also very useful to save your expenses in the month of Ramadan. Even so, don’t forget to make sure that the credit card you use has cooperation with your favorite supermarket, the most frequent and easy to visit, so as not to bother your shopping activities. Several available supermarket credit cards include Lotte Mart, Carrefour, and Hypermart.

Points Reward System

Some credit cards have a reward point system that will continue to accumulate during your shopping activities. With this feature, you can save expenses by exchanging points that have been collected on your credit card. Points can be exchanged in the form of prizes or even discounts on certain transactions. Before using this feature, it is also important for you to pay attention to the percentage of the discount you will get. Usually banks give a maximum percentage of the discount you can get.

0% installments

Getting THR in Ramadan might be a motivation for you to buy the dreamed item. Approaching the end of Ramadan, not infrequently you can find ideal items at lower prices, both in physical stores and online. Not only discounts, you can also use the convenience of 0% installments using a credit card. This feature can give you relief in buying ideal items, and can use your THR for other purposes. Before deciding to buy goods, it is also important for you to compare the price of installments with the ability to pay. Do not let you buy outside the ability to not be able to pay off credit card installments.

So, do you need to use a credit card to shop during Ramadan? The decision is in your own hands. You can indeed use the benefits of a credit card to help you save money, but it is important to ensure that the credit card bills that come out later can still be paid before maturity and avoid interest. Do not let your shopping activities currently make it difficult for you later.