This article guides the debtor in relation to the disproportionate requirements and actions of the bank at the time of running a non-performing loan. Thus, in the press release it is discussed the applicability of the cashing interest rule and the penalties in case of running by the client of the debt to the loan balance, the actions that can be taken by borrowers pledgees at the time of sale of the pledged object at an unreasonable price, the boundlessness of the claimed profit for the duration of the lost by the bank court proceedings, the nature of obligation of the third party debt pledger and the risks of the novation contracts. However, the present work delineates the careful actions of the borrowers from those unfounded.