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Hey ladies, who knows about this? Any hidden pitfalls I should be aware of? I was talking to a frien…

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Hey ladies, who knows about this? Any hidden pitfalls I should be aware of? I was talking to a friend, and they're in a really bad financial situation. They have over 1 million in debt, missed a payment, and now they're being asked to pay double the amount. Her husband hasn't worked since spring, which is a mystery to me, and she's not working either. She's receiving child benefits. They're thinking of filing for bankruptcy through a friend. Can you tell me about the risks and what the consequences might be?
I'm thinking, the posts from these individuals are strange. Are the crazy ones hiding now or just tr…
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Viktoriya
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She will pay 300,000 for bankruptcy. With this money, she will be placed under guardianship and will not be able to take out other loans or credit for 5 years.
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October 25, 2026 at 6:15 PM
Ruzanna
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Wow, people are something else! 🫪
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October 25, 2026 at 6:15 PM
Torbenko Yuliya
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And nothing should be registered in their name... no cars... no apartments.
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October 25, 2026 at 6:15 PM
Natalya
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Ruzanna OMG, I'm shocked too! I live pretty modestly, only had a loan when I was younger for a phone, that's it.
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October 25, 2026 at 6:15 PM
Olga
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Friends filed for bankruptcy, and the court took their car and apartment. They were left with a one-bedroom.
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October 25, 2026 at 6:15 PM
Natalya
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Ruzanna So, I'm writing about the benefits she receives for her children, it comes out to about 90 a month, and that's what they live on.
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October 25, 2026 at 6:15 PM
Natalya
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Olga Apartment for minor children + registration of her and the children in a state-owned apartment.
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October 25, 2026 at 6:15 PM
Ruzanna
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Ruzanna This is the end. It's time to burn this parasite out with a hot iron...
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October 25, 2026 at 6:15 PM
Vedeneva Yuliya
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Ruzanna A million?
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October 25, 2026 at 6:15 PM
Natalya
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Ruzanna I just don't understand why he hasn't been working since spring. So many excuses for him, and she could have gone to work herself if she was that worried.
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October 25, 2026 at 6:15 PM
Natalya
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Ruzanna More than 1 million credits
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October 25, 2026 at 6:15 PM
Olga
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Olga Do you have a car or a house?
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October 25, 2026 at 6:15 PM
Vedeneva Yuliya
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Will they not give more, and do you have money for the start of bankruptcy?
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October 25, 2026 at 6:15 PM
Natalya
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Vedeneva Yuliya will take out a loan, of course
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October 25, 2026 at 6:15 PM
Natalya
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Olga My husband has the car, but she'll be the one filing for bankruptcy.
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October 25, 2026 at 6:15 PM
Yanina
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There are many cons. Of course, it's interesting, everything is bad, and both are unemployed. They won't see loans or mortgages, even in 10 years.
And they don't do it for free, but borrow from whom? Who would lend to bankrupt people?
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October 25, 2026 at 6:15 PM
Vedeneva Yuliya
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Vedeneva Yuliya OMG, bankruptcy loan...
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October 25, 2026 at 6:18 PM
Mariya
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I'm bankrupt, I can't take out loans for 5 years, and I can't work as an accountant, banker, etc. All positions related to money, and I'm an accountant 😅
But that's a minor issue, really. My credit history will be wiped clean afterward, and I can't get a mortgage. My car, all my income, and my management position remained with me. I have a good lawyer; they handled everything beautifully for 100k (the debt was 1.3 million).
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October 25, 2026 at 6:18 PM
Vedeneva Yuliya
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Vedeneva Yuliya How will they live afterwards without loans, when the benefits are canceled?
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October 25, 2026 at 6:18 PM
Natalya
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Vedeneva Yuliya They don't have money, so it seems they were advised to take out more loans to write everything off.
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October 25, 2026 at 6:18 PM
Natalya
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Vedeneva Yuliya I don't know if this is allowed now... I can't understand it.
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October 25, 2026 at 6:18 PM
Lolo
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The car can be repossessed, it doesn't matter that it's registered to your husband, and she will go through bankruptcy. The family should not own any property.
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October 25, 2026 at 6:18 PM
Natalya
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Mariya They also mention about 300 reasons why they won't give loans for X years and she won't be able to hold a leadership position, though she's never held such positions anyway. My husband always works unofficially. So I'm asking, what other downsides could there be?
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October 25, 2026 at 6:21 PM
Nastena
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I went through bankruptcy because I was in a difficult life situation. Of course, the procedure isn't free. You can file for bankruptcy through the MFC (Multifunctional Center) for up to 1 million rubles, but for more, you'll need a lawyer. My bankruptcy took almost a year. They don't take your primary residence, but they might take your car for auction. For 3 years, you won't be able to get loans, mortgages, or other credit. For 5 years, you can't hold management positions, especially in the financial sector.
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October 25, 2026 at 6:21 PM
Natalya
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Lolo She has an apartment where she and her children are registered and all her relatives live; it's a state-owned apartment. Plus, there's the apartment they live in, which was gifted to the children (3/5 share), and they bought out these 2 parts. So now, I understand, the entire apartment belongs to the children.
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October 25, 2026 at 6:21 PM
Svetlana
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Vedeneva Yuliya No, it doesn't work like that. They might consider it fraud.
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October 25, 2026 at 6:24 PM
Nastena
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Lolo You are very mistaken; my husband has a car and I went through bankruptcy, they didn't take anything from him. They don't seize the only home you own!
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October 25, 2026 at 6:24 PM
yankovskaya yuliya
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You can file for bankruptcy through the MFC for up to a million without a court hearing, but only if it's your only home, the square footage doesn't exceed limits for your family, and you don't own a car. Then it will only cost 25,000 rubles. Anything over a million should not be listed, and you'll need to continue making payments as agreed. If it's over a million, it has to go through court, which will cost you an additional 300,000 rubles and be a lot more hassle.
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October 25, 2026 at 6:33 PM
Mariya
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Mariya This is a local lawyer, he works with people based on their local registration.
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October 25, 2026 at 6:33 PM
Natalya
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yankovskaya yuliya Over a million, and a friend also advised them to take out loans to write everything off at once.
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October 25, 2026 at 6:33 PM
Marina Fedorova
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Lolo Your husband's car won't be taken. Moreover, 50% of the sale price of the bankrupt spouse's car will go to you.
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October 25, 2026 at 6:36 PM
Kristin★
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Bankruptcy means it will be difficult to get credit/installments again later. Also, if you work for a good organization or in government, you might not pass the security check and won't be hired… you'll be rejected.
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October 25, 2026 at 6:36 PM
Natalya
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Kristin★ She's not working, and neither is he, if his side hustles are unofficial.
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October 25, 2026 at 6:36 PM
Kristin★
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Kristin★ This is generally about future prospects... I would definitely push to pay it all off, of course...
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October 25, 2026 at 6:39 PM
Natalya
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Kristin★ And where can we get money? Neither of us is working, my partner has been home since spring and is complaining about how bad things are...
She receives benefits and doesn't want to worry either.
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October 25, 2026 at 6:39 PM
Viktoriya
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Viktoriya Let them decide that for themselves. Maybe it's easier for them to refinance their loan
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October 25, 2026 at 6:42 PM
Kristin★
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Kristin★ Working))) It makes no sense to sit at home in debt..
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October 25, 2026 at 6:57 PM
natalya
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Kristin★ How can I pay off a million when there's no work at all?... Even if I get a job with a salary of 50k, for example, it's still impossible 🤷️
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October 25, 2026 at 7:06 PM
Bizyukina Yuliya
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Kristin★ Have you tried working?! There are jobs everywhere for any mind, and the pay isn't bad, especially in Moscow and the surrounding region.
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October 25, 2026 at 7:12 PM
Natalya
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Kristin★ don't feel like going to work 🤷
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October 25, 2026 at 7:15 PM
Nadezhda
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yankovskaya yuliya There is no such article as "artificial credit expansion" under which you can be prosecuted.
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October 25, 2026 at 7:24 PM
yankovskaya yuliya
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yankovskaya yuliya There's an article about loan scams.
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October 25, 2026 at 7:27 PM
Kristin★
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Kristin★ There are shifts and stuff... but I don't think that's the issue here.
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October 25, 2026 at 7:27 PM
Natalya
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Kristin★ I don't know what the deal is, I live by a different principle, I always have enough for life, I also rest, go for walks, go to cafes, buy myself clothes and shoes, dress my son the same, and still save money.
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October 25, 2026 at 7:30 PM
yankovskaya yuliya
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yankovskaya yuliya Take into account the Supreme Court's decisions on similar cases and clarifications. Lawyers in banking organizations are not stupid people; if you take out a lot of loans and microloans right before starting the procedure, they might very well hold you accountable.
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October 25, 2026 at 7:39 PM
Nadezhda
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yankovskaya yuliya Well, that's if you have a lot of various loans and microcredits, but if you have one big loan for a million, then no one will prove anything 😁
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October 25, 2026 at 7:45 PM
Natalya
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yankovskaya yuliya A million credits or so
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October 25, 2026 at 7:45 PM
yankovskaya yuliya
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yankovskaya yuliya Question is, who will give a million to an unemployed person with dependents and credit history defaults 😅
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October 25, 2026 at 7:48 PM
Nadezhda
  • Complain
yankovskaya yuliya Yes, I understood that. Sverdlovchanka and I are discussing the suggestion a friend gave: to take out another loan.
I think this suggestion (or advice) is quite viable because it's very difficult to prosecute for loan fraud if the borrower provided all the accurate information.
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October 25, 2026 at 7:54 PM
Natalya
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yankovskaya yuliya Let's see how this goes.
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October 25, 2026 at 7:54 PM
Nadezhda
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yankovskaya yuliya Microfinance organizations give to everyone 😁
I looked for information from the Central Bank:
"According to the Central Bank of Russia as of April 2025:
- The total volume of non-performing debt is over 1 trillion rubles, and the entire cash loan market contains high risks of non-repayment"
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October 25, 2026 at 7:57 PM

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