ФССП - судебные приставы

The Close Your Debts - Personal Bankruptcy app helps you understand if bankruptcy is right for you. The service allows you to find out the debt, independently arrange the procedure for writing off debts and get legal advice online. The application contains tests, thanks to which you will find out in one minute whether you can go through bankruptcy without outside help.Close your debts - bankruptcy of individuals contains sections:• Bankruptcy Questionnaire (you will find out if the procedure for writing off debts on a loan, mortgage or alimony is right for you)• Test for the possibility of self-registration of bankruptcy• Step-by-step instructions for completing the procedure with individuals on their own• Instant verification of FSPP debts, utility bills, loans, alimony and mortgages• Online consultation with an experienced lawyerThe application allows you to write off debts without outside help. Using the service, you will not only find out the exact data on the debt, but also independently collect a package of documents, contact the MFC and go through the procedure without a court and state duty. Legal write-off of debts is possible and the application will help to sort out the issue.Purpose of declaring bankruptcyThe bankruptcy of an individual includes measures aimed at getting rid of the debt burden. This is an opportunity to write off the debts of the FSSP, for alimony, loans and other obligations. The procedure depends on several factors - the amount of debt, the time during which the citizen did not pay payments, the number of creditors and their composition.The purpose of writing off debts for an individual is to terminate financial obligations, stop the growth of debts by accruing penalties and get out of a critical situation. For creditors, bankruptcy is an opportunity to receive at least part of the money from the debtor and satisfaction of claims.pros• termination of accrual of penalties and fines;• reducing the monthly burden of payments due to restructuring;• termination of persecution by bailiffs, collectors and creditors;• debts from bailiffs, loans, alimony, etc. are repaid at the expense of property.Minuses• a 5-year ban on obtaining a loan;• sale of the debtors property at auction;• a ban on registering a debtor as an individual entrepreneur for a period of 5 years and managing a legal entity for 3 years;• damaged business reputation;• limiting the debtors expenses to 50,000 rubles a month;• a ban on leaving the Russian Federation until the end of the procedure.An application for declaring bankrupt can be submitted by the citizen himself, his creditors or authorized bodies. To file for bankruptcy, the following conditions must be met:1. The debt exceeds 500 thousand rubles.2. Failure to pay obligations within 90 days.3. Proven insolvency.Before filing bankruptcy, it is undesirable to issue loans and pay off debts with their help within 3 months. This will prevent the person from being recognized as an insolvent citizen. The reasons for insolvency can be different:• illness, injury;• death of the breadwinner;• dismissal or reduction at work, decrease in income level;• presence of a foreign currency loan and the growth of the dollar.Consequences of recognitionAfter passing the procedure for writing off debts for an individual, the following consequences occur:1. The financial manager manages the property that constituted the bankruptcy estate. A citizen cannot sell property or transfer it to third parties.2. The arrest imposed on the property is removed.3. Financial sanctions are terminated - the accrual of penalties and fines.4. The debt can be recognized as uncollectible and all obligations on it are terminated.5. Monetary obligations to a citizen on the part of third parties are fulfilled through a financial manager.6. A citizen cannot open deposits and bank accounts.7. Temporary restriction on travel outside the Russian Federation.8. Payments not paid after completion of settlements with creditors are recognized as uncollectible and written off.