New “fun” for Ukrainians: find yourself in the open register of debtors

Why was it necessary to introduce an electronic register of debtors?

The register of debtors for enforcement proceedings in Kazakhstan is something of a universal way to find out that a citizen has a debt, and it is better not to work with it or have any other financial affairs.
This system disciplines defaulters, because from now on you can see who does not pay and what are the reasons for the debt. The registry can help in deciding whether to cooperate with private citizens or companies. The following can use the service:

• banks;
• registrars;
• credit companies;
• insurance agents;
• notaries;
• business counterparties.

These can be any people or organizations. Even a developer who transfers an apartment in installments. The data can also be used by HR departments as an additional source of information about the applicant for a position. And lastly, this register will allow you to find out in advance whether the debtor can cross the border.

List of debtors of the Republic of Kazakhstan

Among the offenders who, under certain conditions, may become prohibited from traveling abroad, there is a separate category - debtors. They are also subject to a ban on leaving the country as a preventive measure to encourage them to fulfill their obligations. Bankruptcies, defaulters on alimony, loans, fines and utilities, tax arrears - everyone who refuses to return the money they borrowed risks losing their freedom of movement.

• last name, first name, patronymic (if any) of the debtor or name of the debtor organization;
• the authority that issued the writ of execution, the date of issue and the content of the debtor’s unfulfilled obligation;
• surname, first name, patronymic (if any) of the bailiff sending the specified information, name and address of the territorial department or address of the office of a private bailiff.

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Register of debtors for enforcement proceedings: a single list

The critical increase in the number of defaulters in Russia prompted the authorities to create a unified data bank of such people. Moreover, the benefits of this innovation are obvious. Now identifying indebted citizens by border guards or creditors is no problem.

It should be noted that such functions guarantee the repayment of loans and alimony payments by persistent defaulters. Let's find out how this database works and understand the principles of finding the right person in the unified register of debtors for enforcement proceedings.

Database information

Let's start the discussion by clarifying the definitions and functioning of this service.

The list of debtors in enforcement proceedings is an online resource created by the FSSP to systematize defaulters. Moreover, such information is in the public domain.

Here it will be possible to identify debtor citizens and organizations that cannot cope with the repayment of financial obligations.

The register of debtors in enforcement proceedings is a single database, publicly posted and available on the FSSP website

. For this reason, citizens are included in the register and acquired the status of persistent defaulters. Moreover, being in the database guarantees inconvenience for such people.

Accordingly, the register of debtors in enforcement proceedings increases the chances of tracking violators by border guards when they first try to leave the country.

In addition, the online resource makes it easier to find “alimony holders” who evade payments.

The emergence of a unified register solved the problems of identifying defaulters at the border and searching for debtors by creditors

In short, the openness and publicity of the “black list” of bailiffs brings the expected results and reduces the growth in the number of indebted citizens and organizations. The functioning of the portal is regulated by Article 6.1 of Federal Law No. 229, and FSSP inspectors ensure the relevance and reliability of the submitted information. Let's look at the nuances of checking probable arrears here.

Now let’s move on to the questions of how accessible this portal is becoming a service for Russians. Please note that the publicity of the resource does not mean free access to personal data of debtors. Accordingly, in order to clarify the required information, citizens will need to know the key details of the defaulter.

Despite the openness of the lists, the system protects the personal data of citizens, so only interested parties to the process will be able to obtain information about the debtor

Here you will be able to clarify your personal debt for taxes and fees, fines, and alimony. In addition, the site offers information about citizens who are in debt to financial institutions. The same items are entered on the portal about non-paying organizations. Information about the debtor is also available to creditors who monitor the progress of collection of funds.

Let us remind you that adding Russians to this “black list” is only possible if there are compelling reasons - a court decision to forcefully collect arrears and send a writ of execution to bailiffs. Accordingly, people who are late with a bank payment are not entered into the database until the case is transferred to the FSSP service.

The Unified Register of Debtors for Enforcement Proceedings is a lever of influence on persistent non-payers of alimony or people evading the transfer of taxes and fines

However, given the powers of the fiscal service, delays in payment of fees are subject to judicial procedure under an accelerated program. The same rules apply to issued administrative fines. Moreover, the person has no idea that he has fallen into the category of malicious violators. For these reasons, it is appropriate for citizens to periodically check this bank in order to avoid unpleasant “surprises” at the border.

The register of debtors in enforcement cases is a unique base that allows people, albeit late, to pay off arrears that were not accounted for on time.

However, in order to use the resources, it is appropriate for Russians to familiarize themselves with the basic search algorithm and the location of information on the network. Let's start with a description of the site.

You will be able to find the data bank on the official FSSP portal - here you will need to follow this link.

Debt verification and identification of defaulters are available online here

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In addition, people registered on the social networks “VKontakte” and “” will be able to use the service.

A mobile application has also been developed for young people, which can be installed on smartphones and other gadgets. Note that the search engine separates categories of individuals and legal entities.

Accordingly, the identification of specific information is determined by the basic criteria for the details of the defaulter.

Note that the operation to identify the debtor is simple and is performed in three steps. First, go to the executive service portal.

To simplify the task for readers, we will look into the details of the search for citizens and companies included in the FSSP database.

After completing the steps described in the previous chapter, a window opens for the user to select search criteria.

To clarify the status of personal accounts or to identify a debtor, citizens will need to select the “Individuals” position.

After checking the box next to the desired item and confirming the choice, a form with empty lines appears on the display, which are filled in by the applicant.

To get started, go to the department’s website and activate the “Data Bank of Enforcement Proceedings” tab.

. However, to avoid search engine errors, it is appropriate for citizens to correctly enter additional information. Here it is advisable to indicate the defaulter’s patronymic and the date of birth of this person.

It should be noted that by ignoring the provision of detailed information, citizens increase the time spent searching for the right person. Keep in mind that entering the patronymic and date of birth of the person being sought reduces the likelihood of issuing information about the debtor's namesakes. The response received shows the date of the court decision, the nature of the debt and the exact amount of the arrears.

When the defaulter is a company that has delayed payment of accounts payable, the user selects the appropriate position in the information bank. The next step is to confirm the action and fill out the window with the required information. In such situations, you will need to enter data about the territorial organization that made the decision on the forced collection of arrears.

To search for organizations, the name of the company and the territorial body is used; the address becomes an additional requisite here

In addition, you cannot do without indicating the name of the debtor company.

Among the clarifying lines, citizens have access to information about the legal details of the debtor enterprise, in particular, addresses. The last step is to press the “Send request” button.

Please note that inattentive submission of information is fraught with a system error and receipt of inaccurate information. For this reason, check your written text before sending it. Having discovered your own name or company in the list of defaulters, it is appropriate to immediately pay off the arrears. The service offers such a chance; here you will need to press the “Payment” button.

To quickly find an individual entrepreneur, enter the number of the writ of execution

You can transfer money online in a way convenient for the debtor.

The second payment option is for people who prefer a cash receipt as confirmation of the transfer of funds.

Here we print out a paper with the specified details and the amount of the contribution, and then repay the debt in the country's banks or cash departments of the creditor. Remember, from the moment the money is transferred until the database is updated, 3-14 days pass.

As you can see, the resource for searching for defaulters is a convenient and modern function for clarifying the balance of debt to the creditor. However, it is inappropriate to forget that information comes here already at the stage of the beginning of the procedure for collecting funds by court decision. Thus, people who are classified as debtors here are partially deprived of their civil rights and risk their personal property.

In order not to spoil your trip after learning about the debt from the border guards, periodically review the bailiffs website and monitor periodic payments

To find an unscrupulous borrower, you will need to know the basic details of this person. This nuance prevents fraudsters from using such information and protects the personal data of Russians. However, working with the resource is not difficult - searching for the required defaulter does not take more than 10 minutes.

ConclusionWe hope the information presented will be useful to readers. Please keep in mind that in order to avoid being blacklisted by executive service inspectors, it is advisable for citizens to periodically check the status of bills for housing and communal services, payments of contributions to the state and local budgets, and fines on the relevant websites.

Remember, timely identification of arrears and repayment of this amount is a guarantee of the absence of sudden problems in the future.

Collection of money or property from the defendant occurs in accordance with the decision of the court, which issues a writ of execution for this purpose. This document is handed over to the bailiffs, and the debtor receives a letter about the commencement of enforcement proceedings.

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To view your writ of execution, you can personally contact the bailiff department located in your area. You must take your passport with you.

Contacting the FSSP at your place of residence is the easiest and most reliable way to obtain information about your debt obligations and the progress of enforcement proceedings.

By contacting the department in person, you will receive comprehensive answers to the following questions:

1. who is the claimant;
2. who is your appointed bailiff;
3. What are the deadlines for repaying the debt?

What is the Unified Register of Debtors?

The Unified Register of Debtors of Kazakhstan is an official database of citizens who have not fulfilled monetary obligations to creditors or collectors. This list was created to simplify the debt collection procedure. Few residents of the country know about the existence of such a resource. When crossing the state border, a citizen can find out what he finds in the debtor database.

The service contains up-to-date information, which is updated and replenished daily. The register includes new names of citizens who have fallen into debt or who refuse child support for minor children. Conscientious payers who repay debts in full are removed from the database.

The register contains the following information:

• surname, name, patronymic of the citizen;
• information about the debt, the circumstances of its formation and methods of repayment;
• information about the bailiff involved in the case.

Based on the results of processing the incoming information, it is published within 3 days. After repayment of the debt within the same period of time, personal information about the citizen is deleted from the database.

How and where to check whether a citizen is on the list of debtors

Citizens - Services of the Ministry - Information services - Register of debtors for enforcement proceedings of the Republic of Kazakhstan

Next, a form will appear where you need to enter the required data:

1. Initials of individuals about whom you need to find information.
2. IIN, consisting of 12 characters. You can use a BIN, that is, a business identification number.
3. At the end, enter the verification code that will be in the picture. It must be specified without errors.
4. This completes the entry of data, but you need to click on the “Search” button.

The answer will arrive within a few seconds after the system processes the data. It will be about the absence or presence of a given person in the lists. Here you can also see information about whether a citizen is prohibited from traveling abroad. If your name is on the list, it is important to pay off your debts as quickly as possible.

If you can’t figure out the site, you can call 8. This is the number of the Ministry of Justice of Kazakhstan. The database works automatically, so it is very easy to use. The site is simple and intuitive, so most likely no additional means of communication will be required.

List of debtors temporarily restricted from leaving the Republic of Kazakhstan

If the executive document is not a judicial act and was not issued on the basis of a judicial act (for example, writs of execution or protocols), then the claimant or the state bailiff has the right to apply to the court with a request to establish a temporary restriction on leaving the Republic of Kazakhstan for the debtor. But in this case, it is worth considering that a decision may be made without your presence, so it is better to always pay off debts, fines, fees and utility bills on time so as not to bring the matter to court.

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If you purchase a ticket from a travel company, be sure to check your absence/presence in the specified lists, since if you are not released due to debts, the travel company will not compensate for the costs. Also, in large travel companies, you can ask that your data be checked by the Department of Justice by telephone or online request from company employees.

For what reasons are they included in the registry lists?

Getting on the registry list is not that easy. Kazakhstanis are interested in what could cause such a phenomenon as inclusion in the list of debtors with the subsequent troubles that accompany it. It is logical that these should be debts, but there are several other circumstances that characterize in more detail the nature of such debts. For example:

• alimony debts, if the debtor is hiding from paying money to children;
• persons who have not paid traffic police fines are at risk;
• citizens who are seriously overdue on loan payments;
• do not pay utility debts;
• don't pay taxes.

True, one or two days of delay on a loan is not yet a reason to enroll a person in the register. There must be more compelling reasons for this. For example, if law enforcement agencies are involved in the case. When a court makes a decision to pay a debt, but a citizen does not do so, he automatically ends up in the register.

Individuals, legal entities, heads of organizations, foreigners, and persons with a residence permit can be included in the register.

Restriction on leaving Kazakhstan as a tool for motivating debt repayment

Temporary restriction of the right to leave the country, as world practice shows, is a truly effective measure that brings tangible results. Debts on enforcement obligations are repaid much more often when the issue of crossing state borders arises.

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Candidates for the lists are those who have unpaid bills starting from 700 tenge. Moreover, both individuals and officials who manage the debtor legal entity have a chance to get there. The law gives 3 working days for voluntary compliance with the requirements of the executive document. After this period, the debtor's data is sent to the registry. Even if you pay off your debt, it will be more difficult to remove your data from the “black” list, since this procedure takes much longer than you would like.

What is the unified federal register of information on bankruptcy of individuals and legal entities?

Bankruptcy is a term used in economics to define the inability of individuals and businesses to pay their bills.

The Unified Federal Register of Bankruptcy Information is a state resource that contains up-to-date information about individuals and legal entities declared insolvent, from filing a lawsuit to selling property. The official website is located at this address.

The regulatory authority of the resource is the Ministry of Economic Development. Its competence includes the appointment of an operator and rules for maintaining the register. The basics of the functioning of the service are reflected in Article 28 of Federal Law No. 127 of October 26, 2002 “On Insolvency (Bankruptcy)”.

Features of management

CJSC Interfax has been appointed as the registry operator. This is the largest information group in the CIS, including 36 companies. The operator deals with the technical side of the portal.

It receives information from users authorized to enter data, verifies its accuracy and enters it into the register.

All messages received are duplicated in the official source approved by the Government of the Russian Federation - the Kommersant newspaper.

The following have the right to enter data:

• arbitration managers;
• state and municipal bodies;
• operators of electronic platforms;
• auction organizers;
• self-regulatory organizations, notaries.

An arbitration manager is a citizen of the Russian Federation authorized by an arbitration court to conduct bankruptcy proceedings and maintain a balance of interests of all parties. His responsibilities include preparation and implementation of activities at each stage, he convenes and conducts meetings of creditors, and also stores original documents until the completion of the case.

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Information about decisions made and ongoing activities must be submitted for publication in the register within 10 days. Verified data appears on the website after 3 days, in the Kommersant newspaper - after 10 days.

All information about the stages of the bankruptcy procedure is added to the debtor’s card:

1. Observation. At this stage, an assessment of the debtor's existing assets is carried out. The first meeting of creditors takes place. A register of claims against the debtor is compiled.
2. Financial recovery. Members of the meeting determine the order of repayment of debts. The debtor fulfills obligations by refinancing, obtaining a new loan to repay the current one, or the debt is repaid by third parties.
3. External control. If the management of the company is recognized as incompetent, a decision is made at the meeting to introduce control over the activities of the enterprise. The debtor can also use the moratorium to put things in order.
4. Competition proceedings. If none of the remedies are effective, the debtor's property and assets are sold at auction.

In fed. The bankruptcy register displays information about current trades and auctions.

The application for information must include the name, address and details of the debtor, as well as information about the procedure.

Every three months, Interfax transmits to the executive authorities reports on past activities, the amount of debt, what part of the debt was repaid during the implementation of measures, the costs of procedures, as well as an assessment of the work of the arbitration manager and signs of fictitious or deliberate bankruptcy.

How to check loan debt

To check whether there is a debt, you do not need to use dubious methods. Since the resource requires you to provide personal information, this can be dangerous. Safe ways to find information on enforcement proceedings regarding loans are as follows:

• independently visit the office of a bank or company that was engaged in lending;
• use proven online services;
• make a phone call;
• report to a bank or microfinance organization;
• contact the Credit History Bureau (the application can be made in person or remotely).

But the fastest way to obtain such data is in the recently opened registry.

To check alimony debt in Kazakhstan, there are even several services that are quite safe and offer fairly complete information:

• coap.kz provides information about existing traffic police fines;
• on kaspi.kz the debt can be repaid;
• zakon.kz allows you to see arrears of alimony.

Since these sites have been operating for a long time, they are trustworthy. But thanks to the registry, there is no need to use all of them. All debts can be seen in one place, saving time and effort.

Why travel abroad may be restricted?

Travel abroad/abroad, according to the Ministry of Justice, may be limited or prohibited in the following cases:

• a person takes part in a lawsuit;
• the citizen has arrears on tax bills;
• there are fines that the person did not plan to pay - administrative offenses, traffic rules;
• there are alimony debts.

If these debts are not paid and remain on the register, this means that the debtor will not be able to leave. Thus, the state makes it clear to persistent defaulters and debtors that it is serious. If you do not pay off your debts, prepare, in fact, for restrictions on your freedom.

Latest events

The new system will be integrated with all law enforcement agencies. Thus, bailiffs will have access to 49 databases of government agencies. “In accordance with the law on enforcement proceedings, the Committee for the Execution of Judicial Acts maintains a register of debtors for two years. But this register is created manually and does not contain reliable and complete information. And most importantly: inclusion in this list does not encourage debtors to comply with decisions. Therefore, on the platform of the Committee for the Execution of Judicial Acts, it is proposed to create a new information system “Unified Register of Debtors”, to integrate it with the current information system “Shekteu” of the Committee on Legal Statistics,” says the report of the head of the department for the representation of state interests in the courts of the General Prosecutor’s Office Aset Chindaliev . At an interdepartmental meeting on the modernization of the enforcement proceedings system, he presented a draft concept for modernizing the system of compulsory execution of decisions.

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The introduction of a new unified register, according to the speaker, will, firstly, allow for the establishment of accounting for debtors, and secondly, the inclusion in the register of debtors for alimony, wages, collections in favor of the state, for damage caused by a crime will automatically entail restrictions in the provision of certain list of services.