How can we help?

CUSTOMERS
HOW CAN WE HELP?

DID YOU GET A NOTICE? FIND OUT WHAT TO DO!

Step one

Read carefully the received documents

They contain the most important information on the debt: the basis thereof, i.e. where did the debt generate and what is its amount, date of repayment, and the number of the account to which the amounts are to be paid. The letter informing about arrears also contains the case number, which will be useful during an interview with a KRUK adviser.

Step two

It is best to call us and have an honest conversation about your financial situation. The adviser will help you find the best solution. Remember, the sooner the better. The debt is increased by interest every day and the creditor can take the case to court or enter you on the list of debtors of an economic information bureau at any time. Why expose yourself to additional costs and trouble when the case can be solved with one phone call.

Step three

Sing an instalment agreement

The debt is so large that you cannot afford repayment? A KRUK adviser will help you split your debt into instalments tailored to your financial capabilities. This way, by signing an instalment agreement, you will avoid many problems and unpleasantness, e.g. taking the case to court, enforcement proceedings, and entry into an economic information bureau. Check the benefits of debt repayment in instalments. Talk about it with our adviser.

Step four

Pay instalments regularly

Make a standing order at your bank or find another way to remember about the payment of instalments. An instalment is a much lighter burden than the repayment of debt in a single payment, therefore you will be able to pay it every month. This will enable you to get out of debt smoothly, step by step. This way you will regain peace of mind and in an instance you will enjoy a life without debt. You can also see your agreement on the Internet.

PRO-SETTLEMENT STRATEGY

Since 2008, KRUK has been present on the market. In that time we have helped many people to leave their debts behind. We are aware that running into debts is often caused by fortuitous events like losing your job, illness, unexpected expenses, or even currency movements. Sometimes the reason can be also an overestimation of one's potential and incurring liabilities that later on are impossible to pay off. We also know that going into debts isn't permanent and sooner or later one eventually is "out of the woods." All you need is just to make some effort and be willing to talk frankly with a financial advisor. That is why to all those that went into debts without acting in bad faith or fell victim to a fraud, we offer an amicable way of getting out of debts. What does that mean? It means that we are willing to talk with our Customers to find consensus and possible to meet conditions of paying the debts, tailored to the financial potential of our customers. Without unnecessary stress, additional expenses to cover the costs of legal proceedings or debt enforcements, or the risk of being registered by the economic information bureau, owing to which our customers gradually—step by step—walk out of the financial "woods" and solve their problems with debts. See for yourself and contact our advisor. See, what we have to offer.

USEFUL TOOLS

HOME BUDGET CALCULATOR HOME BUDGET CALCULATOR

Control your money. See what you spend it on and where to seek for savings.

EXPENDITURE CALCULATOR EXPENDITURE CALCULATOR

Do you often buy sweets, newspapers, or cigarettes? See how much you spend on such pleasures and how to save on them.

FAQ SEE ALL >

How and where can I make a payment of the debt?

In the letter received from KRUK with the information about the debt there is a number of the bank account and the envelope contains a payment with all the information about the payment. Payments can be made in the bank, via the electronic banking system, at the post office and in payment points, at RUCH newsstands (on the relevant payment form dedicated to payment made at RUCH), directly at KRUK's field advisers or in the company's seat at ul. Wołowska 8 in Wrocław. When making the payment, please write the case number in the description field.

Why, during telephone conversations, do KRUK's employees ask me to provide the date of my birth?

The conversation concerns the debt and financial situation, therefore, for safety reasons, we need to be sure that we are speaking with the relevant person. Before going into case details, we ask you to provide the date of your birth for verification.

KRUK's Field Adviser – what does he do and what does his visit look like?

A field adviser is a person who, during a visit the customer's, can discuss the status of the debt, agree on and conclude a settlement, and accept a payment. All services provided by an adviser are free of charge.

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