After Russian personal bankruptcy, a debtor is generally discharged from further performance of claims, but not from every obligation; credit-disclosure and company-management restrictions also apply for statutory periods. The consequences follow the final court order and Articles 213.28 and 213.30 of Federal Law No. 127-FZ. Ordinary employment, income and future property ownership are not generally prohibited.
Credit disclosure
The bankruptcy must be disclosed when entering new credit agreements.
Management
The period depends on the organisation and role.
Exceptions
Personal and other statutory claims may survive.
Quick self-check
- Obtain the full final order and review its operative part.
- Separate discharged claims from obligations preserved by law.
- Keep the manager report, register, notices and orders.
- Disclose bankruptcy when required during the five-year credit period.
- Before a director role, identify the organisation and applicable restriction.
- Compare any new enforcement writ with the final bankruptcy order.
Debt Consequences
Article 213.28 provides a general discharge rule but preserves specified claims and permits refusal of discharge in statutory circumstances. The final order and the legal nature of each claim therefore matter more than a simple case-completion entry.
Credit and Repeat Filing
For five years, the debtor must disclose the bankruptcy when entering a credit or loan agreement. The debtor cannot start another voluntary case during that period. A creditor-initiated case is governed by the special repeat-bankruptcy rule in Article 213.30.
Work and Management
There is no general ban on ordinary employment or salary. Restrictions concern participation in management: normally three years, ten years for credit institutions and five years for certain financial organisations. Actual powers matter more than the job label.
Family, Property and Travel
One person’s bankruptcy does not automatically bankrupt a spouse or relative. Liability requires its own legal basis. After completion, the debtor may acquire property and travel unless a separate valid restriction applies.
Post-case Checklist
- obtain the final order;
- check the EFRSB notice;
- retain the case file;
- review enforcement cases;
- correct only factual credit-report errors;
- check special rules before taking a management role.
| Area | General rule | Review |
|---|---|---|
| Debts | Discharge subject to statutory exceptions | Final order and Article 213.28 |
| New credit | Five-year disclosure | Completion date and new agreement |
| Ordinary employment | No general ban | Role-specific requirements |
| Company management | Usually three years | Organisation type and actual powers |
| Repeat case | Special five-year regime | Applicant and discharge consequences |
Frequently Asked Questions
Can I work officially after bankruptcy?
Yes. There is no general employment ban; management and regulated roles require a separate check.
Can I obtain credit?
There is no absolute statutory ban, but disclosure is required for five years and the lender decides.
Is my spouse liable for my debts?
Not automatically. Liability needs an independent legal basis; marital assets are a separate issue.
Can I become bankrupt again?
Article 213.30 creates a five-year special regime and the identity of the applicant matters.
Must every enforcement case disappear?
No. Discharged claims should not continue, while surviving claims require separate treatment.
Official Sources
- Federal Law No. 127-FZ, Articles 213.28–213.30.
- Federal Tax Service: citizen bankruptcy.
- Supreme Court review dated 18 June 2025.
- Arbitrazh Case File.
- Bankruptcy Register.
See the separate guides to enforcement proceedings, spousal bankruptcy and credit history.
Need a Case-specific Consequences Review?
We can compare the final order, surviving claims and restrictions without promising a predetermined outcome.
BOOK AN INITIAL CONSULTATIONGeneral information as at 29 August 2026. The outcome depends on the facts and court orders; no discharge, asset outcome or fixed timeline is guaranteed.