The Russian government supported the bill introducing temporary relief for debtors. Socially unprotected citizens whose cases are being executed in the bailiff service will be provided with installments for debts up to two years. In addition, it is proposed to introduce a moratorium on the seizure of property of debtors located at their place of residence. That is, we are talking about personal things of a person, writes Rossiyskaya Gazeta.
As one of the initiators of the project, the chairman of the State Duma committee on information policy, information technology and communications, Alexander Khinshtein, told the newspaper, the document was prepared in development of earlier initiatives to defer tax payments, rents for small and medium-sized businesses that were most affected by the pandemic.
“It is important for us that the bill starts working right now in order to remove the existing debt burden from small and medium-sized businesses, which are classified as the most affected sectors, as well as from pensioners,” he stressed.
The initiative proposes a number of measures relating to both socially vulnerable citizens and small businesses.
Individual entrepreneurs and small and medium-sized businesses operating in the most affected sectors are invited to provide a one-time installment plan without collecting a court to recover debts on taxes, fees, insurance premiums, credit agreements in the amount of 15 million rubles. Installment period – up to a year.
If a pensioner lives on a single pension, the amount of which is less than two minimum wages, he will be able to write a statement to the bailiffs and receive installments of up to one million rubles for up to two years to collect debt on loans.
In addition, according to the bill, a moratorium on the seizure of movable property located at the place of residence of the debtor is introduced before October 1. A protective ban is proposed to apply to both citizens and individual entrepreneurs.
At the same time, the extenuating norm will not apply to debtors who evaded paying taxes and fees or hiding property. As the developers emphasize, the bill will take into account the interests of creditors, the requirements of which are related to the payment of alimony, compensation for harm and other social obligations.
In order for the debtor to not be able to sell valuable property during the moratorium, the bailiffs will still be able to prohibit any registration actions with respect to property, the rights to which are subject to state registration. Since it will not be possible to register a deal, it means that it will not be possible to sell, writes RG.
According to the developers of the project, 1.6 million enforcement proceedings are being enforced at the Federal Service of Court Bailiffs of Russia, where debtors are citizens who receive old-age, disability, or survivor pensions and who do not have other sources of income. Their total debt is more than 340 billion rubles. Of these, more than 332 billion rubles are debt on loans.
In addition, bailiffs collect debts from more than 2.7 million organizations and individual entrepreneurs who owe a total of more than 870 billion rubles. Of these, debt on loans amounted to more than 630 billion rubles, indicates RG.
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