This guide explains the form and provides a checking example. It complements the self-filed court bankruptcy guide. The English page provides guidance; the interactive document wizard is available in Russian. The wizard uses entered data and does not obtain debts from banks, the tax authority or bailiffs.
Identify the current creditor from documents, including assignment records.
Separate the obligation, overdue portion and sanctions as of one date.
Do not omit your claims against others: the form has separate sections for them.
Where to find the creditor and debtor list form
Article 213.4(3) of Federal Law No. 127-FZ requires an individual filing their own bankruptcy petition to attach lists of creditors and debtors. The form is prescribed by Appendix 1 to Ministry of Economic Development Order No. 530 of 5 August 2015. The published form provides its sections and a link to an MS Word version. The official Russian form is used for filing.
For an MFC application, Article 223.2(4) also requires a list of all known creditors prepared under Article 213.4. This does not make a court petition and an out-of-court application identical: the list is one component, while eligibility and other documents require separate checks.
The form has four main sections: creditors for personal obligations, creditors for business-related obligations, debtors owing you under personal claims and debtors owing you under business-related claims. Monetary obligations and mandatory payments are separated within the form. “Debtors of the individual” means people or organizations owing money to you, rather than a second list of what you owe.
How to identify all creditors
Start with your contracts and records, then reconcile them with current information. No single service covers every possible obligation of an individual.
- Banks and microfinance organizations: contracts, balance certificates, statements, payment and assignment information.
- Credit history: useful for identifying credit obligations, but not a substitute for checking the current creditor and amount.
- Tax authority: itemized tax obligations, demands, decisions and payments.
- Bailiffs and courts: enforcement documents, orders, judgments and creditor details.
- Other obligations: private loan receipts, contractual debts, utility charges, maintenance and other liabilities.
- Your own claims: evidence of amounts others must repay or pay to you.
No entry in the bailiff database does not prove that no debt exists: the creditor may not yet have sought compulsory enforcement. The FSSP office directory can help identify the relevant office, but does not produce a complete list of liabilities.
Completing the main columns
| Field | Information to enter | Check |
|---|---|---|
| Nature of the obligation | The underlying liability, such as a bank credit or private loan. | Do not replace the description with only an enforcement-proceeding number. |
| Creditor | The legal entity’s name or the individual’s full name. | The current claim holder, not merely the original bank’s brand. |
| Location or residence | The relevant creditor’s address. | Reconcile details with current documents and registration information. |
| Basis of the obligation | The contract or act, its date and number. | Connect the contract, judgment and enforcement to a single obligation. |
| Total obligation | The principal obligation including interest payable, as explained in the form’s note. | Do not copy the original loan disbursement without accounting for performance. |
| Including overdue debt | The overdue portion of the principal obligation with interest as of preparation. | This is part of the total, not an additional debt. |
| Fines, penalties and other sanctions | The separate amount of those charges. | Do not count them again in the overdue column, which excludes the listed sanctions. |
Notes 4 and 5 expressly distinguish the total obligation from its overdue portion. Foreign-currency obligations are recorded in roubles at the Bank of Russia rate on the list’s preparation date. Taxes and other mandatory payments have a separate table for arrears and sanctions; check the form’s structure instead of putting them indiscriminately in a loan row.
The individual’s details also follow the form: full name and previous names where changed, date and place of birth, SNILS, tax identifier if available, identity document and registration information. Do not invent missing details. Check the form’s notes for your circumstances, including absence of residential registration in Russia.
An amount example: why the overdue portion is not added twice
Hypothetical training example. A certificate for one contract shows, as of the list date, a remaining principal obligation including interest payable of RUB 230,000, of which RUB 50,000 is overdue, plus RUB 4,000 in sanctions. This explains the columns and does not describe an actual client.
| Total principal obligation with interest | Of which overdue | Sanctions separately |
|---|---|---|
| RUB 230,000 | RUB 50,000 | RUB 4,000 |
Adding 230,000 + 50,000 + 4,000 would count the overdue portion twice: the 50,000 is already within the 230,000. Nor can every total simply be used to test eligibility for a particular procedure. The applicable threshold and the components counted are determined separately by law.
If the same contract has led to a court order and enforcement proceedings, that is not three debts. Reconcile the documents and payments to avoid duplication. Where one creditor holds several independent contractual claims, the breakdown should allow each contract to be checked.
If the bank assigned the debt or the calculation is disputed
Check the assignment notice, evidence of transfer, new creditor’s details and connection to the original contract. A collection representative is not always the claim owner. Do not list the bank and assignee as two separate full-value creditors for one obligation without examining the documents.
If you dispute the amount or basis, do not conceal a known claim. Disclose the available information and explain objections separately with documents and a calculation. The list should reveal the position, rather than create the appearance of no liability. Preserve conflicting sources and seek clarification.
Why the list is particularly important for MFC bankruptcy
Article 223.6 does not extend discharge to creditors omitted from the application. If the amount is understated, discharge against that creditor is limited to the listed amount; overstatement does not discharge more than the actual debt. Statutory exceptions to discharge also remain applicable.
Before filing, check both eligibility and every creditor’s amount. Omission consequences are explained in the guide to a creditor omitted from a bankruptcy application. Do not transfer the out-of-court rule to court proceedings without analysis.
The MFC bankruptcy eligibility test provides a preliminary assessment. Consult the MFC directory for addresses: it covers 11 offices in Moscow Region and an official route for Moscow, not every Russian office. A claim you hold against someone else must also be disclosed and considered when assessing the applicable eligibility ground.
Pre-filing checks
- Collect sources. Contracts, balance certificates, payments, judgments and enforcement records.
- Reconcile creditors. Correct persons, addresses, assignments and no duplicate counting.
- Separate amounts. One preparation date, totals, overdue portions, sanctions and mandatory payments.
- Check the whole document. Personal and business obligations, your own debtors, identification details, date and signature.
Keep a copy of the submitted list and supporting records. If an error is found after filing, identify precisely what is incorrect and the supporting evidence, then establish the appropriate correction procedure. Do not assume the bank, MFC or document wizard will silently correct it for you.
Frequently asked questions
Can the list be taken solely from bailiff records?
No. Enforcement proceedings do not cover all known obligations. Reconcile contracts, balance certificates and other sources.
What does “including overdue debt” mean?
The form’s note describes the overdue part of the principal obligation including interest as of preparation, excluding the financial sanctions specified in that note.
Whom should I list if collectors are involved?
First determine whether a claim was assigned or the organization is merely collecting as a representative. Identify the creditor from the transfer documents.
Must I include someone to whom I lent money?
Yes. Separate sections cover the individual’s own debtors. These are your claims and must not be concealed.
Legal sources
Reviewed on 4 October 2026:
- Federal Law No. 127-FZ, Article 213.4.
- Ministry of Economic Development Order No. 530, Appendix 1 and column notes.
- Article 223.2 and Article 223.6 on the out-of-court procedure.
Need the list checked before filing?
A paid initial consultation can review creditors, supporting documents and disputed entries. Lawyer Pavel Petrov represents creditors and debtors and provides online assistance throughout Russia.
Book an initial consultation