Read the final order
The operative part determines discharge and surviving claims.
Keep evidence
Court, EFRSB and settlement records may be needed by banks and bailiffs.
Check restrictions
Accounts and enforcement databases may update later.
Disclose bankruptcy
For five years, new credit or loan obligations require disclosure.
Seven actions after completion
Obtain the full final record
Use the commercial-court order for judicial bankruptcy or the MFC completion entry.
Read the discharge ruling
Identify whether discharge applies and which claims survive.
Create a permanent file
Save the orders, EFRSB notices, register and settlement evidence.
Contact banks
Check account and card status and provide the final order where an internal restriction remains.
Review bailiff cases
Match each enforcement case to the type of debt; surviving claims follow a different route.
Challenge only inaccuracies
A credit history is not erased on request, but inaccurate reporting may be disputed under the statutory procedure.
Observe continuing limits
Disclose bankruptcy and separately review management-role restrictions.
Which debts may remain
| Category | General treatment | Check |
|---|---|---|
| Ordinary insolvency claims | May be covered by discharge | Operative part and Article 213.28(4) |
| Current payments | Unpaid balance survives | Accrual date and payments made |
| Maintenance, life or health injury and moral harm | Survive within the statutory scope | Enforcement title and balance |
| Claim unknown to the creditor | May fall outside discharge | What the creditor knew at completion |
| Separate housing settlement | Continues under approved terms | Court order and payment schedule |
Article 213.28 both grants discharge for many claims and lists situations in which discharge does not apply. A collection letter, credit report or bailiff entry must therefore be compared with the final order and the legal nature of the claim.
Card access and enforcement
Once asset realisation ends, the individual’s disposal powers return, but a bank may still require the published order or complete an internal review. A separate freeze, security interest or surviving enforcement title is not cancelled merely by producing the completion order.
Review every enforcement case by claimant and legal basis. See the guides to restoring card access and enforcement proceedings.
Post-completion navigator
Choose the closest situation; always verify the final record.
Continuing restrictions
Article 213.30 requires disclosure of bankruptcy when taking obligations under a credit agreement or loan agreement for five years. During the same period, a new judicial case cannot be opened on the individual’s own petition. Separate time limits apply to management of legal entities, with longer special restrictions for banks and certain financial organisations.
Ordinary employment, ownership of personal property and government services are not generally prohibited. A regulated profession, licence or office must be assessed under its special law.
Frequently asked questions
When may I use a normal bank card?
After disposal powers return, but confirm actual unblocking and the absence of other freezes with the bank.
Will all bailiff cases disappear automatically?
No. The result depends on the claim, final order and the bailiff’s action in each case.
Is there one universal debt-discharge certificate?
Russian law does not prescribe one certificate for every recipient. The key record is the final court order or MFC completion entry.
May I apply for credit immediately?
There is no general application ban, but bankruptcy must be disclosed for five years and the lender decides.
May I file again?
Different five-year rules apply to the individual’s own judicial filing and a repeat MFC filing.
Primary legal sources
- Insolvency Law Article 213.28
- Article 213.30: consequences
- Article 223.6: MFC completion
- EFRSB insolvency register
Related guides
Documents after completion · Debts that survive · Repeat bankruptcy
Need to review a completed case?
We can compare the final order, debts, accounts, enforcement cases and continuing limits without promising an automatic result.
INITIAL CONSULTATIONGeneral information as at 30 August 2026. The result depends on the final order, claim type and any separate restrictions.