Draft Law No. 14005: How Registry Automation Changes the Rules for Debtors
On November 4, 2025, the Verkhovna Rada of Ukraine adopted in the first reading Draft Law No. 14005, which significantly strengthens the automation of enforcement proceedings and synchronizes state registries to make debt collection more effective. Here is an explanation of how the rights and obligations of debtors are changing, what you can no longer do without settling your debt, and why this is an important step for the entire system of enforcing court decisions.
The main idea of the draft law is the integration of core state registries with the automated enforcement proceeding system. Now, if a person is listed in the Unified State Register of Debtors, notaries, banks, Ministry of Internal Affairs service centers, and other state institutions automatically check this status before carrying out any registration actions.
What this means in practice:
- You will not be able to sell, gift, or re-register real estate (apartment, house, land plot) if you are in the debtors’ register.
- You will not be able to re-register or sell your vehicle if you have outstanding debts, even if the property has not yet been seized.
- Banks, depositories, notaries, the Ministry of Internal Affairs, and other registrars are now obliged to refuse any actions with property if a person is listed in the debtors’ register.
Previously, a debtor could manage to sell or re-register property before it was officially seized. Now all systems operate in sync and block such opportunities automatically.
Which Situations Fall Under the New Rules
The basis for inclusion in the debtors’ register remains a valid court decision on debt collection. If you do not comply with the decision, the case is transferred to the enforcement service, enforcement proceedings are opened, and your data are immediately entered into the register.
Synchronization covers not only real estate or vehicles but also all types of property, accounts, securities, and e-wallets.
A separate category is alimony debts: if you are more than three months overdue, information is automatically entered into the register, and all restrictions apply in the same way.
What Remains Unchanged: Guarantees and Social Protection
- Your sole residence cannot be seized automatically for utility or minor debts. The draft law does not abolish basic social guarantees the procedure for enforcement against sole housing or other essential property remains complex and requires a separate court decision.
- Enforcement is possible only after a court decision. No registry alone can serve as a basis for the seizure or withdrawal of property without a court order.
Expanded Powers for Enforcers
In addition to registry automation, the draft law gives enforcement officers expanded powers:
- From now on, with a motivated court decision, the enforcer may enter the debtor’s residential or non-residential premises, describe and seize property for subsequent sale and repayment of debt.
- All these actions are recorded and monitored by the automated system, which minimizes abuse and the subjective influence of the human factor.
Impact on Businesses and Individual Debtors
- For businesses, this means far fewer “windows of opportunity” to hide or re-register assets before seizure all transactions are checked in real time.
- For individuals it is impossible to perform property transactions without repaying your debt. Even if you have not yet received notice of seizure or are unaware of your debt, the system will automatically block your request.
- Meanwhile, for utility debts or minor arrears, seizure of sole housing remains impossible without a separate procedure through the court.
Post List
Registry and enforcement proceeding automation is a logical step toward a digital state and a transparent property market.
The system reduces the impact of the human factor, eliminates corruption schemes, and makes it much more difficult to evade court decisions.
Advantages of the new rules:
- Transparency and automatic information exchange among all state and private registries.
- The inevitability of liability for debtors and equal rules for all.
- Minimization of risks for creditors and the market: no property transaction will bypass automatic verification.
Risks and nuances:
- The likelihood of temporary technical glitches or delays in updating the registries.
- Citizens must carefully monitor the state of their obligations to avoid ending up in the register due to accidental or minor debts.
The new Draft Law No. 14005 is a qualitative step toward creating an effective, transparent, and digital system for enforcing court decisions.
It enhances the protection of creditors’ interests, reduces room for manipulation with property, and makes workaround schemes impossible due to registry imperfections. At the same time, it maintains basic guarantees for citizens protection of sole housing, the right to judicial protection, and transparent procedures.
For businesses and individual consumers, the main takeaway is simple:
Keep track of your debts, check information in state registers, and avoid accumulating arrears.
The new digital rules will apply to everyone both to those who lend and to those who are slow to fulfill their obligations. This is a step toward a truly responsible and predictable property market in Ukraine.
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