Russian personal bankruptcy does not generally prohibit a person from using the professional-income tax regime after the case. Self-employment under NPD is a tax status, not management of a legal entity. Check the completion date, NPD eligibility, new income and obligations; while proceedings remain open, receipts and work assets must be disclosed to the insolvency administrator.
No general ban
Article 213.30 restricts certain management roles, not the professional-income tax regime as such.
Transparent income
Receipts, bank credits and contracts should match the actual services.
Not sole trading
Registration as an individual entrepreneur is governed by separate Article 216 consequences.
Quick self-check
- Confirm whether asset realization has ended.
- Check activity and turnover eligibility for NPD.
- Keep contracts, My Tax receipts and bank statements.
- Separate personal items from business equipment and goods.
- Treat new taxes and debts as new obligations.
May NPD Be Registered After Bankruptcy?
Federal Law No. 127-FZ contains no general post-bankruptcy prohibition on NPD. Article 213.30 concerns credit disclosure and specified management positions. NPD registration alone neither creates nor manages a legal entity.
While the Case Is Open
Customer income must not be concealed or routed through another person’s card. Restructuring and asset realization apply different controls. Contracts, receipts, accounts and work assets should be disclosed; protected funds and necessary expenses require evidence.
Income, Tax and Accounts
NPD follows registered receipts. New tax and post-petition obligations are assessed separately from old debts. Once proceedings end, no lifelong statutory ban prevents opening an ordinary account, subject to a bank’s normal checks.
Work Assets
A phone, computer, vehicle or tool is not automatically immune merely because it is used for work. During proceedings title, value, necessity and statutory exemptions matter. Afterwards, new property may be acquired with lawful income.
Practical Steps
- obtain the latest court order and completion notice;
- test NPD rather than sole-trader restrictions;
- register through the official Federal Tax Service;
- issue a receipt for taxable income;
- use transparent personal payment details;
- keep new liabilities separate from discharged debts.
| Situation | General position | Review |
|---|---|---|
| After completion | NPD is generally available | Final order and NPD eligibility |
| Open proceedings | Work may continue with disclosure | Accounts, receipts and access to funds |
| Sole-trader registration | Separate restrictions may apply | Prior status and Article 216 |
| Work assets | No automatic immunity | Title, value and necessity |
| New debts | Not automatically discharged | Date and legal basis |
Frequently Asked Questions
Must I wait five years to use NPD?
No general five-year ban applies to NPD; do not confuse it with sole-trader and corporate-management restrictions.
May I work while the case is open?
Work is not prohibited, but income, accounts and assets must be disclosed and handled under the relevant procedure.
Is new NPD tax discharged?
Future and post-petition liabilities should not be assumed to disappear with old debt.
May customers pay a relative’s card?
That creates concealment and record-mismatch risks. Transparent personal payment details are safer.
Does NPD remove bankruptcy consequences?
No. Credit disclosure and any other applicable statutory consequences remain.
Official Sources
- Federal Law No. 127-FZ.
- Federal Tax Service: NPD official portal.
- Russian Commercial Court Docket.
- Bankruptcy Register.
Related guides: sole-trader bankruptcy and re-registration, working during bankruptcy and credit after bankruptcy.
Need to Check Post-Bankruptcy Restrictions?
We can compare the final order, prior status, NPD income and work assets without promising a predetermined outcome.
BOOK AN INITIAL CONSULTATIONGeneral information as at 29 August 2026. The outcome depends on court orders, procedure dates, documents and the individual facts.
Self-employed sick pay from 2026 and bankruptcy
From 1 January 2026, a Russian professional-income-tax payer may voluntarily join the temporary-disability insurance experiment. Federal Law No. 456-FZ of 15 December 2025 runs the scheme through 31 December 2028. An applicant must register with the Social Fund and pay contributions; the first participants became eligible after six months of payments.
During Russian asset-realisation proceedings, disclose the benefit to the financial administrator and provide the Social Fund statement and bank record. Article 101(1)(9) of Enforcement Law No. 229-FZ expressly treats temporary-disability pay as an exception to the general immunity for insurance payments. The debtor normally relies on the protected subsistence amount and other statutory exclusions rather than assuming that the whole benefit is immune. Sending the money to another person’s account does not change its legal character.
- Apply to the Social Fund through an official channel and keep confirmation.
- Record contribution periods and amounts.
- Obtain evidence identifying the benefit and covered period.
- Give the documents to the administrator before using a disputed amount.
- Resolve disagreement in the bankruptcy case rather than concealing the receipt.
Official sources: Federal Law No. 456-FZ, the Social Fund’s first-payment guidance, and Article 101 of Law No. 229-FZ.
There Is No General NPD Ban after Bankruptcy Completion
Quick check
Obtain the final order first
Do not rely only on an app notice or bank display.
Check NPD restrictions
Goods, agency activity, workers and combined regimes matter.
Separate old and new debt
Post-completion obligations are performed ordinarily.
Do Not Present Self-Employment as a Company Shield
A self-employed person without sole-trader status remains an individual and obtains no limited liability. New contract and tax liabilities are personal under general rules. Company management, sole-trader registration and NPD are distinct regimes, and bankruptcy consequences must be checked separately. A bank may request source documents but cannot treat NPD as prohibited solely because bankruptcy was completed.