A project on simplified bankruptcy for pensioners and the poor was submitted to the State Duma

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Deputies from “United Russia” proposed to allow citizens to become bankrupt in a simplified manner, whose monthly income does not exceed two regional subsistence minimum, and there is no property that can be recovered. The corresponding bill was posted in the system of ensuring the legislative activity of the lower house of parliament on Thursday, April 30.

The average living wage in Russia is 11,653 rubles.

According to the draft, such a category of debtors can initiate out-of-court bankruptcy, even if the bailiffs have not completed the enforcement proceedings on their debts.

The deputies explain the initiative by the fact that out-of-court bankruptcy remains inaccessible for pensioners and the poor, because the presence of even small monthly incomes allows the bailiffs to keep up to half of them.

Parliamentarians draw attention to the fact that the remaining money is not enough “to meet the minimum human needs,” and as a result, the lack of livelihood for such citizens will “lead to an increase in the level of poverty in the country.”

Earlier, on April 23, Fedresurs told Izvestia that as part of the out-of-court bankruptcy procedure launched in the fall of 2020, the Russians will be written off 1.15 billion rubles of debt. In total, as of the second decade of April, 3.3 thousand citizens out of 9.4 thousand applied for a simplified practice of getting rid of debts. The remaining 6.1 thousand applicants were refused.

According to the National Association of Professional Collection Agencies (NAPKA), during the year banks transferred overdue debts to collectors for 582 billion rubles, which was the highest indicator in the history of observations since 2013. Compared to 2019, the share of new debt transferred to collectors increased by 4.9% to 8.4 million loans.