In Novosibirsk, the number of bankruptcies of individuals has sharply increased

In the Novosibirsk region, the number of bankrupts among individuals and individual entrepreneurs increased by almost 43%. According to Fedresurs, for the first quarter of 2022 in the region, the number of reports on the introduction by the courts of the sale of property in relation to individuals and individual entrepreneurs amounted to 1,443. For comparison, in the first quarter of 2021, there were 1,010 bankrupts.

Svetlana Svetlyakova, HEAD of the Garantiya legal center, believes that the growth in the number of bankrupts in the Novosibirsk Region is due to the high debt load of the population.

“People want debt collectors to stop calling their relatives and their jobs. The bankruptcy procedure has certain risks, but they are not so significant. The number of those who decide to go for this procedure is growing, ”said Svetlyakova.

Elman Mekhtiyev, president of the National Association of Professional Collection Agencies (NAPCA), told RBC Novosibirsk that now there are about 345 thousand overdue debts in the Novosibirsk region, the total amount of which reaches 22 billion rubles.

“In fact, 49% of all debtors fall under bankruptcy proceedings in the Novosibirsk Region, that is, we can talk about about 150,000 debtors who can potentially start bankruptcy proceedings,” Mehdiyev said.

He noted that 51% of debtors have the amount of overdue debt below the "input" threshold in the amount of 500 thousand rubles. Most of those debtors who can apply for bankruptcy proceedings have debts in the unsecured consumer lending segment.

A potential bankrupt is a borrower with an overdue debt of more than 500 thousand rubles for a period of more than 90 days.

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In general, in Russia, the number of individuals declared bankrupt in the first quarter of 2022 amounted to more than 54 thousand people, which is 33.6% more than in the same period of 2021.

Among the regions, the leaders in bankruptcy of individuals were: Krasnodar Territory — 2657 (+26.0% compared to Q1 2021), Moscow Region — 2571 (+18.2%), Moscow — 2501 (+12.5%).

The initiators of bankruptcies are, like last year, the debtors themselves, in 95% of cases. Much less often - bankruptcy creditors (3.8%). And the share of the Federal Tax Service of Russia increased from 0.7% to 1.3% in the same periods.