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What Are Your Rights For Writing Off Interest

The Law on Debt Settlement Debits regulates the conditions, the manner and the procedure for writing off interest for collection of debts arising from services provided by utility companies (electricity and heat, water and waste), telephony, mobile and cable operators, broadcasting fee, maintenance of common premises, irrigation and drainage of agricultural land. Jeffrey I. Reisman Toronto is here to help you with all kinds of legal matters.

The subject of this Law is a write-off of the default or penalty interest that is related to the main debt and the costs of the procedure and it is liable to write off from the moment of filing a lawsuit for collection of a monetary debt (forcible collection) before a competent court until the final payment of the monetary claim, including the costs of the proceedings by the debtor.

Who has the right to write off the interest?

Any natural person – debtor who will pay the principal debt and expenses (court, notary, lawyer, enforcement expenses) to the procedure within 12 months from the day of the announcement of the Decision of the Board of Directors of the creditor, shall realize the right to write off interest.

Who makes a write-down of interest?

The write-off of interest payments for debt collection is performed on a voluntary basis by the creditor.

Creditors established by the Government and the municipalities that are state-owned, write off the claims on the basis of collection of the default or the penalty interest on the principal debt from the debtors, natural persons who have acquired the right of description on interest.

Privately-owned creditors voluntarily decide through their management bodies for a one-sided description of claims based on the payment of the default or the penalty interest on the principal debt from the debtors, natural persons who have acquired the right to a description of interest.

These creditors with a decision made to the Board of Directors write off the interest for collection of debts arising from the services stated above, within 15 days from the day this Law enters into force. The creditors shall publish this decision on their website on the day following the day of its adoption.

Notary and enforcement agent are considered creditors only in case of collection of the costs of execution arising from forced debt enforcement.

Procedure for exercising the right to write off interest

The acquired right of write-off of interest, the debtor-physical person, realizes by submitting a request to the creditor. Upon request, the debtor encloses evidence of the payment of the principal debt.

The creditor is obliged, within 15 days after the receipt of the submitted proof of payment of the main debt, to notify the debtor in writing with a registered consignment at the address registered with the creditor, for the adoption (in whole or in part) or for rejecting the write-off on interest.

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How to Send an Email to a Law Company

Providing free legal advice includes issues related to specific problems related to the professional rights and obligations of journalists and other media workers as well as rights and obligations deriving from labor law. Jeff Hershberg Toronto is the right place for you to obtain your legal help and make sure that your issue and situation are resolved completely. It is important to make sure that all your rights are being met and you get exactly what you need and want to solve the case.

How to get legal advice?

If you need legal advice, please fill out the form below the text.

Please note that in order to give the most accurate advice, the law office needs the following documents:

1. A decision, a warning before a lawsuit or other act that you believe your right has been violated (in case you consider that your right has been violated by an act)

2. The controversial text or attachment that you find to be a violation of your rights (in case you believe that your right has been violated by some text or an attachment)

3. Other documents that you think might be of significance for the understanding of the case.

The accompanying documentation can be sent to the appropriate email address, with the title ‘LEGAL ADVICE’ in the subject field.

Should the lawyer have any further questions he will contact you by phone and answer the question will be sent to you by e-mail inscribed in the form no later than 3 days after receiving the e-mail.

If you are an editor for whom the Legal Advice is urgently needed, make sure to call us right away and we will do our best to meet you in an effective way and provide advice to the lawyer.

Make sure that sometimes free legal advice services will not be available during weekends and public holidays.
If you have sent an e-mail on a Friday or immediately before the holiday, there is guarantee that that the reply will arrive within the given deadline, but it will be safe for the next three working days. Make sure to research the internet when trying to find a place that offers free legal help and make sure that there are no hidden cots. That is why it is important to find a lawyer or a law office that will be available for the users and help them whenever they need.

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