Attorney Lyudmila Silakova
June 21, 2026, 17:23
Article 213.28: The Final Point in Discharging Your Debts
The main question on everyone's mind is: "Is it true that I won't have to pay anymore?". The answer lies in Article 213.28 of the Bankruptcy Law. It regulates the completion of settlements with creditors and the full release of the citizen from obligations.
What will be fully discharged?
After the completion of the asset liquidation procedure, the arbitration court issues a ruling according to which the following are canceled:
- Bank loans and credit cards: Even if the bank was strongly against it.
- Microloans (MFIs): All accrued interest and penalties.
- Utility bill debts: Accrued prior to the date you were declared bankrupt.
- Taxes and fees: Arrears owed to the tax authority.
- IOU / Promissory note debts: To individuals (if declared in the case).
What is often forgotten (What will NOT be discharged):
The law protects the interests of certain parties, so the following debts will remain with you even after bankruptcy:
- Child support payments (alimony).
- Compensation for harm caused to life or health.
- Wage payouts (if you were an employer).
- Court-ordered subsidiary liability (for former corporate directors).
Warning: The court may refuse to discharge debts if it is proven that you knowingly provided false information when applying for a loan or acted in bad faith (hid assets).
How to obtain the desired court ruling?
For residents of the Orel region, it is important to understand: bankruptcy is not just "filing an application", but gathering proof of your good faith. We help prepare documents so that the court has no doubt about your honesty.
Frequently Asked Questions on Art. 213.28 FZ-127
1. Which document concludes bankruptcy and debt discharge?
The procedure ends with the issuance of a Ruling of the Arbitration Court on the completion of property liquidation and the release of the citizen from obligations. From the moment this ruling comes into force, you legally owe nothing to anyone.
2. What happens if a creditor tries to collect a debt after the court decision?
Any creditor claims regarding discharged debts become illegal. You present the court ruling to bailiffs or the bank, after which all enforcement proceedings and deductions unconditionally cease.
3. Can utility debts (housing and public utilities) be discharged?
Yes, but only the debt accrued before the court accepted the bankruptcy application. Utility charges accrued during the procedure are current payments and must be paid.
4. Why might a court complete the procedure WITHOUT discharging debts?
The main reasons for refusal are fictitious bankruptcy, providing fraudulent documents when taking loans, intentional destruction or concealment of property, and refusal to cooperate with the financial trustee.
Want a guaranteed debt discharge without risks?
Sign up for a free attorney consultation in Orel. We will evaluate your situation in detail and advise how to protect yourself from a debt discharge refusal.
Phone in Orel: +7(919) 265-61-51
“Article 57 FZ-127: Termination of Bankruptcy Proceedings” >>>
Our Values
"We believe that everyone deserves a second chance. A mistake with a loan shouldn't cost you your peace of mind and your children's future."
Lyudmila Aleksandrovna Silakova
Practicing Attorney • Registration No. 57/597
Debt relief consultation is strictly confidential
My Contacts
On Platforms
Contact me via all my social networks. I am always ready to help you. Message me right now. In-person consultation in Orel (by appointment)
Write to Me
Office
32 Lenina St. (Grand Hotel)Mtsensk
Working Hours
Mon - Fri9:00 AM - 5:00 PM
Loading map...
Debts Eligible for Discharge
Bank Loans*
Microloans & Promissory Notes*
Taxes*
Utility Bills*
Secured Loans*
Fines
Total debt amount from 200k RUB
*Please specify the conditions for discharging these debts during your consultation