An official verification is possible by applying to the arbitration court, which deals with bankruptcy cases. The website kad.arbitr.ru is used to receive citizens’ requests and provide various reference information.
Convenient data search is performed using an algorithm in three steps:
- on the main page of the site in the search bar, enter the last name and first name of the person being checked, as well as his TIN;
- when filtering results, indicates “bankruptcy cases”;
- run the search and get the result.
The system will show all court decisions that relate to the facts of the established insolvency of this person. If you know the address of his permanent registration, then the search will be more accurate, as it will allow you to immediately filter out matches by full name.
Arbitration manager Bankruptcy of individual entrepreneurs Bankruptcy of individuals
Check through the EFRSB website
Data on bankruptcies that have taken place are also stored in the register on the EFRSB website. This resource also has a system for obtaining information about citizens and checks for bankruptcy of individuals are available. Here you can quickly learn about the details of the process:
- date of collection of creditors of a particular debtor;
- see the reports of the arbitration manager;
- information about creditors who entered into the process;
- confirmation of the start of the bankruptcy process.
Would you like to write off all your debts?
To obtain the necessary information you need:
- go to the search and open the “debtor search” tab;
- expand advanced search;
- weed out cases of individuals;
- enter the debtor's information;
- run a search and get the result.
If the search does not produce results, the bankruptcy case of this citizen has not yet been initiated or his application has been rejected. If there is information, then he may already be declared insolvent or the process of selling property is underway in relation to this person.
The EFRSB website allows you to quickly check for bankruptcy of an individual online, even if you do not have his TIN number.
Why do you need to check a citizen for bankruptcy?
Bankruptcy is not a secret procedure. The court process is open, information is free and available to every interested person. But often, it turns out to be not enough.
The problem is that even when involved in bankruptcy proceedings as a defendant, a private individual has the right to make transactions of a financial nature (take out a loan, rent out property as collateral). Once a person is declared bankrupt, such transactions are terminated, which can cause serious harm to unsuspecting creditors.
Physical check of a person for bankruptcy allows you to promptly refuse cooperation with a person whose level of solvency does not inspire confidence. With its help, it is possible to find out everything you need about a person’s reputation, previously completed transactions and cases of bankruptcy, avoiding fraudulent activities.
Important! It is much easier to refuse a transaction with a suspicious person than to try to repay a debt. If significant funds are involved, a serious audit will not be superfluous and will not seem strange or offensive to the party whose activities will be subject to it.
File of arbitration cases “My Arbitrator”
The “My Arbitrator” portal makes it possible not only to check if another person is bankrupt, but also to work with your own documents. You will be able to submit an application to the arbitration court, send documents electronically, and monitor the progress of the bankruptcy case. The portal is a full-fledged system, an analogue of a government service website, which allows you to send requests or complaints in an official way, certified by an enhanced qualified electronic signature.
The address of the “My Arbitrator” website is my.arbitr.ru, you can enter your personal account through your active account on government services. The system automatically requests authorization. Those who need information in bankruptcy cases will need the following sections:
- Bank of decisions of arbitration courts;
- Case file;
- Calendar of court hearings.
Look for information about debtors in the “Arbitration Case File” section. You can receive information about the progress of your own case by e-mail by subscribing to receive updates on cases in the arbitration court. If you know the name of the debtor, you can find out whether bankruptcy proceedings have been initiated against this person.
Information is available about claims received from creditors who are desperate to return what they borrowed in any other way. Moreover, information about the existence of claims can be obtained even before bankruptcy proceedings are launched against the debtor. Data on penalties can be found from the Data Bank of Enforcement Proceedings from the FSSP.
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Where is information on bankruptcy of individuals published?
Official information of individuals is not specifically published anywhere. To view it, they turn either to the citizen himself with the relevant question, or to his friends. Another chance to obtain information is provided by the official websites of the Arbitration Courts. Sometimes such information can be found in the Kommersant newspaper and the Unified Federal Register.
Attention! When searching for information, one should proceed from the fact that an individual is obliged to report a planned bankruptcy in the media, but in order to obtain the necessary information, one will have to check all publications of the Kommersant newspaper for the last 2 months.
To carry out such a check, you will need to purchase all issues of this newspaper. This is not very profitable and convenient; it is easier to check for bankruptcy via the Internet.
Through the newspaper “Kommersant”
Checking the database of the Kommersant newspaper is as reliable as accessing the archives of the arbitration court. This media publishes mandatory announcements that are directly related to the bankruptcy process. You can independently find information in published newspaper issues and check an individual for bankruptcy.
Published issues are available on the publication's website in the archive. Also, all issues of the registered printed publication are sent to libraries, where they are filed. If you know the approximate date of bankruptcy of the citizen you are interested in, then the search will be easier and faster. The following must be published:
- announcements about the beginning of the process;
- date of the meeting of creditors;
- date and place of the auction for the sale of the bankruptcy estate;
- decision made by the court.
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To constantly stay updated on the progress of the process and clarify your status, you can subscribe to the Kommersant newspaper - regular or online.
How can I check physical face bankruptcy
In accordance with the Law “On Bankruptcy”, not only a legal entity, but also any citizen who has accumulated an unbearable amount of debt can declare himself insolvent. Information that a person has declared himself bankrupt (or was forced to do so by creditors) is open and subject to publication; it can be verified.
This allows you to protect yourself from interaction with a recent bankrupt - or take into account all possible risks in the transaction.
However, it will not be possible to find out about the initiation of bankruptcy of a certain person from the news or a special online newsletter. Formally, you can conduct a survey of friends and relatives of the counterparty or buyer, but this is an invasion of privacy and will not meet with understanding. You can also search for information on the website of the court or bailiffs, but this is long and inconvenient.
An actual verification of bankruptcy of individuals is possible if you use official sources, which are:
- Kommersant newspaper;
- Federal Register of Bankruptcy Information;
- file of arbitration cases.
Using these resources, checking the necessary information is not a difficult task at all. Even if your future partner tries to hide the fact of his bad financial past, you will always receive complete information about the bankruptcy of an individual. Up to court decisions made against the debtor.
Check through the official website
Bankruptcy cases are considered by arbitration courts. In accordance with the law, they are required to publish their decisions in the public domain with the concealment of some personal data.
Therefore, the easiest way to check an individual online is to make a request on the arbitration website kad.arbitr.ru. The procedure is as follows:
- on the main page of the site in the search column, enter the details of the person being checked - last name or TIN;
- click on the “Bankruptcy” filter to search only for these types of cases;
- start search.
You will be shown complete information about each fact of bankruptcy.
To check and avoid mistakes, it is recommended to clarify the place of residence of the person being checked or the details of the arbitration court. The fact is that the system shows all namesakes - and, quite possibly, your counterparty is not among the bankrupts. Knowing more accurate information will help you avoid mistakes.
Check through the Kommersant newspaper
The second option for finding out about bankruptcy is to read the newspaper. In accordance with Article 28 of the Bankruptcy Law, a citizen’s insolvency must be announced through the media. The Kommersant newspaper was chosen as the “mouthpiece”.
The arbitration manager who conducts the bankruptcy procedure of an individual is obliged to provide it with information:
- on the place and time of the meeting of the borrower’s creditors;
- on the organization of tenders for the sale of the debtor’s property;
- about the decision made by the court.
This information is published in a special section dedicated to bankrupts. The point is that in this way the requirement to inform all creditors of the debtor is met. Knowing that a certain person has declared his insolvency, they will be able to demand the maximum possible compensation from him.
However, this method has a significant disadvantage. To obtain the relevant information from Kommersant, you need to subscribe to the newspaper - either electronically or subscribe to the standard paper version. But in any case, all information will have to be checked manually. And this, of course, is inconvenient.
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Check through the EFRSB
A simpler and more practical way is to submit a request to the federal register of bankruptcy information, fortunately this can be done online. Information can be obtained free of charge and in an understandable form.
You can read and check on the website:
- messages from the financial manager about holding a meeting of creditors;
- manager's report - provides data on the financial condition of the payer so that creditors can assess their chances of satisfying their claims;
- notifications of receipt of creditors' claims;
- information about contested transactions and their recognition as invalid;
- messages when exactly the bankruptcy procedure of an individual was initiated (a court decision or ruling is provided).
To find information about a person who has already completed bankruptcy, you need to go to the page of the Unified Federal Register of Bankruptcy Information https://bankrot.fedresurs.ru and further:
- on the left side of the screen, find the column “Search for debtors”;
- Click the “Advanced search” link under the search bar;
- switch the checkbox to “Individuals”;
- indicate information about the person being checked - usually the last name and region of residence are enough;
- click "Search".
If records are found, then such a person is actually bankrupt or will be declared bankrupt in the near future - i.e. the court is simply working to satisfy the claims of creditors.
If it turns out that several people are registered under the same surname, you can narrow the circle of represented persons by indicating the first and patronymic, place of residence or Taxpayer Identification Number of the person you need to check.
Other options for checking physical persons on bankruptcy
You can also obtain information about the status of your counterparty through other sources of information. This is especially valuable in situations where bankruptcy has not yet been completed, but has just begun. This will allow you to get rid of a number of problems even before the start of contractual relations. You can check whether your partner’s case is in progress on the following websites:
- arbitr.ru – a general register of arbitration courts, which contains information about all cases in progress;
- fssprus.ru is a website of bailiffs where debtors are checked.
What is included in the bankruptcy procedure of an organization
The bankruptcy procedure necessarily requires the participation of a temporary financial manager. This specialist will attempt to perform a cleanup of the business that will help restore normal operations. Russian legislation presupposes a slightly different bankruptcy practice than is customary in countries with developed economies.
Features of the implementation are expressed in the priority sale of property and repayment of debts, while in most other states the actions of managers are aimed primarily at preserving the enterprise, possibly by transferring it into the ownership of another owner.
Main stages
The entire bankruptcy procedure is divided into the following stages:
| Collecting documents and submitting an application | This is the initial stage, usually a special company or lawyer is responsible for its implementation; it is highly not recommended to do this yourself. |
| Observation | After declaring a debtor bankrupt, the law requires confirmation of his financial situation. Also at this stage, the property of the insolvent person and the bank accounts of the enterprise are seized. |
| Health improvement | This stage begins if, according to the report of the interim manager, the enterprise can still be saved. In this case, an administrative manager will be appointed who will try to help do this. In general, the previous management continues to regulate the company's activities, however, it cannot borrow money or conduct property transactions; such decisions must be agreed with creditors. |
| External control | If it is not possible to restore the profitability of the enterprise, then the external manager will begin debt restructuring. Its goal is to negotiate with creditors on the most favorable payment terms. At this stage, management is removed from managing the organization. |
| Bankruptcy proceedings | The final stage involves the sale of the debtor's property through an auction; the money received as a result of the auction will be used to pay off debts in the order established by law. To organize the auction, the court appoints a bankruptcy trustee. |
Separately, it is worth mentioning the settlement agreement, which can be reached at each stage except the final one.
Typically, a settlement agreement involves forgiveness of part of the debt and a significant increase in the payment period
Deadlines and important notes
In some cases, the bankruptcy procedure can occur quickly: as soon as all government checks on the legality of declaring the company insolvent are completed ( up to 3 months ), the procedure for selling the property can begin. The law allows up to one and a half years for this stage, but it almost always ends much earlier.
If attempts are made to restore the operation of the enterprise, the bankruptcy procedure will take a long time. Just an attempt to improve the company’s activities can last up to 2 years , and its period is rarely less than allotted, because in this case it is possible to protest the termination of attempts to regulate the work of a legal entity.
When this does not help, the external manager phase begins, which can last up to 18 months. Also, do not forget that collecting documents to initiate bankruptcy can take considerable time.
Methods for analyzing and assessing bankruptcy risk are based on the use of special coefficients. We will explain here why bankruptcy of natural monopolies is dangerous.
It is impossible to re-bankrupt, so you need to do everything right on the first try. It is highly not recommended to try to draw up a statement on your own or to involve an organization’s lawyer in this matter; it is unlikely that he will be so competent in such a complex issue.
We must not forget that a bankrupt company also has the right to independently select a temporary manager; this opportunity should be taken advantage of. A competent manager can significantly simplify the process of going through bankruptcy and carry out this unpleasant procedure with minimal losses for the insolvent person.
It makes no sense to obtain insolvent status if the debtor is the owner or founder of the company. In this case, he will still owe money, but as an individual. The rule works similarly in the case of a guarantee for a loan from a legal entity.
Interrelation of participants
The liquidator represents the interests of the insolvent person in court; the same person can assess the risks of starting bankruptcy proceedings. He collects a package of documents, draws up an application and selects an arbitration manager, however, this is only true if the bankruptcy petition was filed by the debtor himself.
The court undertakes to promptly notify creditors and other persons associated with the bankruptcy procedure in writing. He submits documents to government agencies, for example, the tax service, and after the end of the legal proceedings he sends a request to the registration authority with a request to exclude the bankrupt company from the Unified State Register of Legal Entities. The court also has the jurisdiction to distribute payments from funds received from the sale of the bankrupt’s property.
The creditors' meeting has an influence on the management of the debtor's property, the first meeting of which must be held no later than 10 days before the end of the supervision. Meetings are held with the participation of the arbitration manager. His responsibility is also to compile a register of debts and an inventory of the bankrupt’s property.
Banks or other creditors have the right to participate in negotiations with the debtor's representative, which may result in a settlement agreement or debt restructuring.
Information on bankruptcy of legal entities by TIN - how to check an organization
The Federal Law “On Insolvency” fully regulates the bankruptcy procedure, imposing a number of obligations on legal entities, the arbitration court, and also fixing the rights of interested parties.
One of these rights is considered to be the open opportunity to check a company for bankruptcy using the TIN, since this information is publicly available. There are several ways to find out about the presence of debt, which leads to complete insolvency of the company.
All of them are necessary so that current and potential partners can insure themselves against additional risks and damage.
The appointed arbitration manager must publish information about the bankruptcy of a legal entity in a timely manner. After such a statement made by the court, the company's activities are terminated. How to check bankruptcy by TIN and what you can find out, we will consider below.
Ways to find out about the insolvency of an organization
For lenders, the borrower’s financial data is most relevant, as well as for investors and depositors represented by citizens.
Having learned the current information in a timely manner, you can have time to submit demands for debt collection, being entered into a special register. The law gives only 60 days from the date of initiation of insolvency for this procedure.
Control of information will also provide the opportunity to participate in a meeting of creditors, which is usually held in the first 30 days out of these 60.
Today there are four main ways to search for information about the bankruptcy of legal entities by TIN:
- Single register;
- Federal Tax Service website;
- Arbitration court;
- Newspaper "Kommersant".
But you can find out whether the company you are interested in is in bankruptcy stage by indirect signs, when nothing has been officially announced. You should be wary of:
- Arbitration claims, the price of which is higher than the level of income of the defendant (the difference is verified by studying the balance sheets of the legal entity);
- Doubtful credit history – having several outstanding loans at the same time and taking out new ones, debts to the state;
- Sudden and tangible withdrawal of property from assets;
- Understated book value;
- A noticeable decrease in profit or its absence at all;
- Appointment of a fictitious manager (unreasonable change of officials);
- Non-payment of taxes, failure to meet deadlines for payments under contracts, lack of accounting reports, etc.
Beginning to suspect the insolvency of a company, counterparties have the right to request financial documentation from it for study, as well as make official requests to the Federal Tax Service, Rospatent, and Rosstat. There are also special registers of willful defaulters and unscrupulous suppliers, which also determine the state of affairs.
How to easily check a company for bankruptcy online or when submitting requests in person - further details.
Unified Federal Register of Information
This is an electronic resource in which you can find information on business entities, including individual entrepreneurs. A unified register means that it contains information about individuals regardless of their territorial location in Russia.
Anyone can check the bankruptcy of a legal entity online at https://bankrot.fedresurs.ru. In the advanced search, you need to select a category of legal entities and fill in the empty fields.
The search is carried out by name, classifier and identification number. After filling in all fields, a check is carried out according to the specified parameters.
Thus, it takes several minutes to receive an answer.
Federal Tax Service website
Initially, it is worth checking an organization for bankruptcy using the TIN based on its financial stability and taxpayer history. The Federal Tax Service website is available for this.
There is no need to pay anything for registration. The information block contains information about whether the company is on the verge of liquidation and what reason led to insolvency. But only if the bankruptcy process has already begun.
By acting together, creditors will be able to completely control the bankruptcy process, preventing the manager from being willful and hiding the remaining property from the debtor. This is why it is important to attend the meeting of creditors.
An alternative link to search by identification number is https://egrul.nalog.ru. The service helps to identify fly-by-night companies, identify potential bankrupts, and learn about measures taken against the manager who is responsible for the financial offense.
When checking a legal entity on the tax website, you should not refer only to the results obtained from there. The best option is to make several requests to different structures at once and regularly monitor the situation. Thanks to your own vigilance, it is easier to protect yourself and protect your rights if the case goes to court.
You can also contact the Federal Tax Service with a personal request by looking at the address of the nearest branch on the website. But this makes more sense in the early stages, before arbitration begins to consider the case.
Arbitration court
Another popular way to find out about bankruptcy by TIN is the official website, which contains data about companies whose cases are already being considered by the arbitration court. Link to the search page – https://kad.arbitr.ru.
To obtain information, you need the identification code of the company of interest, the name of the judicial authority (selected from a drop-down list, usually this is the address at the location of the legal entity), if known, the name of the judge, the case number, as well as the date of registration. Having detailed information on the open case itself, it is convenient to follow it online, interested in the decisions made. But using the TIN, you can also simply find out whether the court declared the organization bankrupt or opened an insolvency case.
Kommersant newspaper
Publications must be made in the Kommersant newspaper about the beginning and end of the company’s bankruptcy procedure. Its online publication is available at https://www.kommersant.ru, where you can easily open a search and find out about the bankruptcy of a legal entity. An identification number or OGRN code is used for searching.
To simplify your search, immediately use the website of the Kommersant-Kartoteka publication, which has been publishing information about bankrupts since 2014. Link to the search page – https://www.kartoteka.ru.
List of information that can be obtained
When checking a counterparty for bankruptcy in person or when submitting electronic requests, the same information is provided. The interested party may find out:
- The date when the insolvency process began;
- The initiator of the lawsuit;
- Stages and key information on them;
- Appointment of the manager and his work done;
- All key processes of the case (sale of property, claims for annulment of transactions, payment of debts, etc.).
All of the above data is publicly available and can be obtained by anyone interested. However, most ways to obtain information, especially if you are interested in details, and not just the status of the company, are paid.
Are bankrupts required to report their status?
The procedure for recognizing the fact of insolvency of a company in Russia establishes that it is forbidden to hide this fact. On the contrary, they must declare it publicly. Referring to Federal Law No. 127, Article 8, the initiator of bankruptcy can be either the legal entity itself or its creditor, investor, or tax service.
If the initiator is the company itself, it also submits a preliminary application about this. If the initiator is a third interested party, public information is assigned to the arbitration manager.
The claim submitted to the court in the form of copies is sent to all creditors, which is also done by the initiator or manager. Publication is also required in the Kommersant newspaper.
When the recognition procedure is completed, re-publication is made.
After filing a claim, the data is entered into the Unified Register, through which it is very easy to check an enterprise for bankruptcy (discussed above).
Why is legal entity verification required?
Since bankruptcy implies complete insolvency, the victims are primarily employees (if they were not paid wages) and creditors to whom the person cannot fulfill obligations to repay the debt.
For these parties, checking for bankruptcy of an organization is necessary in order to timely declare their claims and get what they deserve according to the law.
If you miss the deadline, latecomers may be added to the register, but at the very bottom of the queue, and this is fraught with many years of fruitless waiting.
If the borrower has not reported financial difficulties and does not intend to voluntarily repay the debt and does not have the funds to do so, competent legal protection is required. The sooner a specialist collects documents, develops tactics and takes action, the greater the chance of a successful outcome for the lender.
It is necessary to check the company for bankruptcy and debts before concluding agreements with it, in order to make sure of its financial stability and legal purity.
You should not neglect precautions at the stages of approving transactions; this will protect you from big problems that unscrupulous bankrupts sometimes initiate intentionally.
First of all, look at the website of the Kommersant newspaper, the register of the arbitration court and make a request to the Federal Tax Service.
Our articles talk about typical ways to resolve legal issues, but each case is unique. If you want to find out how to solve your particular problem, please contact the online consultant form.
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If you want to find out how to solve your particular problem, please contact the online consultant form. It's fast and free!
Source: https://gidbankrot.ru/baza-znaniy/bankrotstvo-yuridicheskih-lits-inn
How else can you check the bankruptcy of individuals online?
More information can be found online at:
- Website of the newspaper Kommersant-kartoteka. Contains all information ever published in a printed publication. If bankruptcy was reported, then this information must be present in the file cabinet;
- Website of the Federal Bailiff Service (fssprus.ru). The service's data bank contains information not only about writs of execution issued by the court and decisions made, but also about potential debtors.
There is no point in contacting a notary. He is not obliged to carry out such a check.
