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An employee is bankrupt: an employer’s payroll checklist

An employee’s bankruptcy calls for verified documents and a documented payment process. Saying “I have filed for bankruptcy” does not establish a new wage recipient. This guide is for HR and payroll teams receiving an employee notice or official request in a Russian personal bankruptcy case.
🔎 VerifyThe case, court order, stage and requester.
📂 ReconcileAccruals, existing deductions and bank details.
✉️ RecordThe written reply and proof of payment.

Documents to obtain first

Keep the dated notice, case number, court order introducing the procedure and appointing the administrator, request and reply, and payment records. Match identifying details: an identical name is insufficient.

Check the current stage in the commercial court case database and the EFRSB bankruptcy register. Retain the court order. Verify contacts against official records, especially where a new bank account is proposed.

Filing and the introduction of a procedure are different

Verified positionEmployer action
Only a statement about filingRequest documents; do not invent a new payment arrangement.
Debt restructuring introducedRead the order and request; do not automatically apply realisation rules.
Bankruptcy declared and asset realisation introducedDocument the transfer arrangement under Article 213.25.
Procedure completedObtain the final order and verify the basis for changing previous instructions.

During realisation, Article 213.25 governs control of estate assets and accounts. Monetary obligations owed to the individual involve the financial administrator’s powers. A request to use a relative’s card does not replace verification.

Separate wage transfers from deductions

Reconcile the period, gross pay, tax, lawful deductions, net amount, payment date and reference. The employer should not distribute the estate among creditors or independently choose the employee’s living allowance.

Labour Code Article 136 continues to govern pay dates and payslips. An ordinary employee-requested change of bank requires written notice at least 15 calendar days before payment; the special realisation regime needs separate assessment. Clarifying details does not justify indefinite wage delays.

Article 137 requires a statutory basis for deductions. If an enforcement document is already implemented, compare it with the court order and bailiff decisions. Do not mechanically cancel or continue deductions: the claim type and operative documents matter.

A practical reply outline

Article 213.9(7) allows the administrator to obtain asset and account information from organisations. Verify authority and the legal basis, then send relevant information through a verified channel. Avoid unnecessary disclosure of other people’s data or the entire personnel archive.

✉️ Open a payroll reply outline

In response to request[date/reference] in case[number]: for employee[name], pay accrued for[period] was[amount], deductions were[tax and other sums with grounds], and[amount] was transferred on[date/reference]. Calculation and payment evidence are enclosed. To implement the proposed transfer arrangement, please clarify[specific discrepancy: account, period or amount] and provide[missing document]. Contact:[role/contact].

This adaptable outline is not a refusal to pay. Use actual figures; determine the deadline from the particular request’s legal basis.

A hypothetical reconciliation

Net monthly pay is ₽60,000. An instalment of ₽25,000 was already paid. The balance is ₽60,000−₽25,000=₽35,000. Recording both transactions and proving the first prevents a request for “this month’s salary” from causing a duplicate ₽25,000 payment.

This does not establish a protected allowance or authorise deductions. A dispute over excluding income from the estate needs a documented execution arrangement, not the employer’s own estimate of family spending.

HR issues and related reading

Dismissal, information access and position restrictions are separate from bank instructions. The employee-facing guide explains whether an employer will learn about bankruptcy. If the company itself is insolvent, use the different route for wages and payments in employer bankruptcy.

Frequently asked questions

Can payroll stop paying until bankruptcy ends?

Bankruptcy itself does not end wage accrual or payment deadlines. Establish proper execution and resolve documentary uncertainties before the next payment.

Is a screenshot with account details enough?

It does not establish authority or account ownership. Check the court order, official contacts and written instruction.

Should the entire team be informed?

Payroll and HR implementation requires access by authorised staff. A general announcement does not help implement a request.

Sources and review date

Legal provisions checked on 24 October 2026. Future amendments not yet in force were not applied. Examples are hypothetical.

A consultation can compare the court order, payroll records and transfer documents to review the proposed payment process.

Initial consultation terms →