Answer a few questions. The tool will compare your answers with the statutory grounds in Article 223.2 of Federal Law No. 127-FZ, show a preliminary result, and prepare a PDF checklist for your situation.
Four statutory grounds
It covers not only enforcement proceedings closed by a bailiff, but also the special rules for pension recipients, participants in the special military operation (SVO), recipients of the unified child allowance, and old enforcement documents.
Documents for your ground
The result explains which general documents and special certificates apply to the selected statutory ground.
PDF checklist
It saves your answers, the preliminary conclusion, the document checklist, and links to the legal grounds. No personal data is requested.
Do I qualify for bankruptcy through an MFC?
This is a preliminary self-check, not a decision by an MFC and not individual legal advice.
1. What is the total amount of your liabilities?
Include monetary liabilities and mandatory payments, including obligations not yet due, maintenance obligations, and guarantees. Enter an approximate total.
Enter the amount of debt.
2. Was your bankruptcy procedure completed or terminated within the last five years?
A five-year interval applies to a repeat out-of-court application under paragraph 8 of Article 223.2.
Select an answer.
3. Which statutory ground best matches your situation?
One ground is sufficient, but all conditions for that ground must be met at the same time.
Select the closest option.
4. Confirm the conditions for the selected ground
Select an answer.
What to prepare
Documents required for bankruptcy through an MFC
Application
The form and completion procedure were approved by Order No. 497 of the Russian Ministry of Economic Development dated 4 August 2020. The application is filed at the place of residence or temporary stay.
List of creditors
List every known creditor and the amount of each claim using the prescribed form. A creditor omitted from the list is not automatically covered by the discharge.
Identity and residence documents
Copies of an identity document and proof of permanent or temporary residence are required. A representative must also provide proof of authority and identity.
Certificates for the selected ground
Special certificates apply to the pension, social-benefit, and seven-year grounds. Unless the information is obtained through inter-agency exchange, they must have been issued no more than three months before the application.
Forms and legislation
Eligibility requirements
Article 223.2 of Federal Law No. 127-FZ — debt range, four statutory grounds, application procedure, and special certificates.
Application and filing procedure
Order No. 497 of the Russian Ministry of Economic Development — the current rules for completing and filing the application.
Application form
Appendix No. 1 to Order No. 497 — the application form and required attachments.
What happens after six months
Article 223.6 of Federal Law No. 127-FZ — completion of the procedure and limits of discharge.
Frequently asked questions
Is the out-of-court bankruptcy procedure free of charge?
No state fee is charged for the MFC procedure itself. Possible costs for obtaining certain documents or legal assistance are not a fee for the procedure.
How long does bankruptcy through an MFC take?
If the procedure is commenced and is not terminated early, it is completed six months after the information is entered in the Unified Federal Register of Bankruptcy Information.
Are debts omitted from the list of creditors discharged?
Not automatically. Article 223.6 expressly limits discharge to the claims of creditors named in the application. The creditor list and amounts therefore require particular care.
If the self-check finds no qualifying ground, is bankruptcy impossible?
Not necessarily. The result concerns only the out-of-court procedure through an MFC. Court bankruptcy is assessed under different rules.
Need a document review?
At a paid initial consultation, the enforcement documents, bailiff information, and certificates can be checked against the selected ground, together with the list of creditors.
Book a paid consultationThe Test Gives a Preliminary Route, Not an MFC Legal Decision
| Test question | Why it matters | Evidence |
|---|---|---|
| RUB 25,000–1 million debt | Overall statutory range | Full liability calculation |
| Enforcement closed | One eligibility route | Bailiff order |
| Pension or child benefit | Special route | Social Fund record |
| Document at least 7 years old | Alternative route | Issue date and enforcement |
| Executable property | Affects eligibility | Registers and bailiff data |
Use exact figures
Include principal, interest, taxes and guarantees.
Match every case number
One closed case does not describe all enforcement.
Keep the result as a checklist
Replace answers with official evidence before filing.
A Negative Test Does Not Mean Judicial Bankruptcy Is Impossible
MFC is a special free procedure with formal Article 223.2 eligibility routes. If the amount or enforcement facts do not fit, judicial bankruptcy, restructuring or settlement may still require assessment. A positive result must also be checked immediately before filing because a creditor may refile a writ, the balance may change or registered property may appear. The test should explain each result and avoid collecting unnecessary personal data. Keep dated statements and orders before filing because public-system data changes and a dispute is tested at the application date. Do not sign a form with an approximate creditor, balance or legal basis. Obtain reasons for an MFC refusal; it does not replace assessment of another lawful route or prove that insolvency is absent. Keep a copy of the accepted application and attachment inventory until completion. Check the insolvency-register publication and its dates yourself; the six-month period and legal effects depend on the official entry, not merely the day documents were handed to a service desk.