For Debtors

Repaying your debt can be simpler than it seems. See how to do it step by step.

1. Log in to the Client Portal — Check your case details and the current amount owed.
2. Review your options — Full repayment or a solution suited to your situation.
3. Choose a payment method — Online payment or an instalment plan.
4. Make the payment — Quickly and securely through the Client Portal.
5. Download confirmation — After repayment you will receive a confirmation document.

Restructuring allows you to adapt repayment to your means — it is a change of terms, for example splitting the debt into instalments.

When can you use it

• when you cannot repay all at once
• when you need more time
• when you want to get the situation under control

How to apply

1. Log in to the Client Portal
2. Select restructuring
3. Fill in the form
4. Wait for a decision

You have rights — it is worth knowing them.

Your rights include

• the right to information
• the right to be contacted during set hours
• the right to data protection
• the right to file a complaint

Complaints: you can file a complaint at any time — online or by contacting us.

Inaction does not resolve the situation — but it is worth knowing what may happen.

1. Interest accrual
2. Reporting to registers
3. Court proceedings
4. Enforcement

Who is Kredyt Kapital?

A fintech company specialising in debt management.

Where does my debt amount come from?

From the agreement signed with the original creditor.

Can I pay in instalments?

Yes — in many cases this is possible.

Can I get a discount?

It depends on the individual situation — contact us.

Why are you contacting me?

Because we manage your case.

I did not take out a loan — what should I do?

Contact us — we will look into the case.