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Source: Russian BBC Service
"I already wanted to hang myself and
Vozhega is a small village about 170 kilometers from Vologda.Here live about 6 thousand people.At least five microfinance organizations work in the colony.
A few years ago, Anna came from a nearby city. She consulted and trained the sellers of the "Magnit" network, and at the same time she worked as In Vozega, she met Viktor and decided to stay in.
They got married and bought an apartment in a mortgage in Vozega.The loan was granted for Anna because Viktor received only a "salary gray. "He was engaged in the construction and repair and went to work in Moscow.
Anna also received about 18 thousand rubles a month, of which 12.6 thousand rubles were given for a mortgage loan. The husband once in a few months sent him the small, she said, the amount of money. Anna regularly paid the mortgage, but there was not enough money to pay the "communal".
Victor began making repairs in their new apartment. He removed the floors in one of the rooms, beneath them was a bare land.
It's been several years. This room with a terracotta floor and it stands. Victor restored, began drinking, beat an apartment, vomited furniture and beat Anna.
"You work as a commodist, you can take goods in a warehouse, you zynkaeshsya there and you can not see the fingals"
came when my husband went to Moscow to work. Anna lived in one of the rooms where the soil was kept.
In the village of Vozhega, most people live in multi-family wooden houses with stove heating | Source: Russian BBC Service
In one of the visits, Victor secretly took away his credit card and spent 60 thousand rubles. To return this credit, there was no possibility
Everything ends with Anna having to pay 1 million rubles – for mortgages, utility payments and credit cards.
She fled her husband to an old friend.
She could not pay a mortgage in a decree, the new husband had his own loan for an apartment. The bank filed a lawsuit against her, the bank's employees began to call her, and then the bailiffs.
The bank representative explained to Anna the possibility of declaring bankruptcy to Anna. "The only way out is either a loop or bankruptcy," recalls Anna
The Personal Bankruptcy Act – provisions introduced in 2015 in the Federal Insolvency (Bankruptcy) Act. They allowed the Russians to obtain the status of bankrupt – in cases where the total amount of debt exceeds 500 thousand rubles and the delay is more than three months.
A citizen declared bankrupt for five years is not entitled to take credit, without indicating that he is bankrupt, and within 3 years can not occupy any management positions.
Formally, individuals can declare bankruptcy every 5 years, which will allow some to become bankrupts in series. 19659005] Banks are forced to create borrower with a long delay in increasing reserves. Credit organizations benefit from the bankruptcy of the borrower if she has a large amount of badets, the sale of which can cover debts, says Ekaterina Shurikhina, a leading badyst of RA's bank ratings. . According to market standards, it was cheap, on average such services in the region cost 70-100 thousand rubles.
Not being able to pay the loan, she was paying 7000 rubles a month of monthly alimony. For life there was about 2 thousand rubles. In
In Vozhege, a village of about 6,000 residents, there are at least five microfinance organizations | | Source: Russian BBC Service
In the summer of 2017, the court declared it bankrupt. All the debts on the mortgage went to her ex-husband, who was a guarantor for the loan. In Ivanovo – for wives, for Vologda – for bankruptcy
This is one of many personal bankruptcy stories in the Vologda region.
In this region, judging by the statistics, their number per capita more than in other Russian regions. According to the United Credit Bureau, at the end of May, 148 individual and individual business bankruptcies per 100,000 people were registered in the region.
On average, in Russia, this figure is three times lower: 45 bankruptcies per 100,000 people. there is an entire industry of bankruptcies of individuals and here even people from other regions come here
Local businesses offer a service of "turnkey bankruptcy". The city has a "word of mouth" – friends and friends tell each other how they managed to get rid of debts. Lawyers advise through social networks.
"I do not badociate this with the request, but with a proposal," says Maria Soltovets, head of arbitration. "If you can go to Ivanovo for brides, you can find a good inexpensive lawyer in Vologda," lawyer Alexei Udalov jokes.
According to him, the number of bankruptcies in Vologda is directly proportional to the number of lawyers. In the Vologda region, several universities train lawyers. And in the years 1990-2000, graduates of local universities filled their hands with bankrupt legal entities
An error occurred during the loading. "There were a lot of poultry farms and factories here, all went bankrupt," says Soltovets
.But after the coming into force of the Individual Bankruptcy Act, many local lawyers have turned to this specialization and have even begun to advertise these services in advance, reminds Soltovets
legal entities, Soltovets admits. "Physicists", she says, do not create huge profits, but they "sink."
Source: Service de la Russian BBC
We had important procedures, we are all trained, the bankruptcy of natural persons is easy for us ", she explains, but stipulates that only two people can work in his company with the bankruptcy of natural persons : "Of s very psychologically stable people "
They come in an extremely negative, nervous state, they almost shake, they are really brought in.
Maria Soltovets
Arbitration Manager
According to her, creditors and collectors often begin to pursue debtors. "Calls go around the clock, they call their loved ones, at work, friends, they find themselves through social networks, they all call, they are threatened, it's a very strong pressure" , she explains
How do people end up in a debt hole?
More than 300 thousand people live in Vologda .The pits on the roads and the historic wooden houses are located in the village of Vologda. collapse near many shops and cafes.
On one of the small shopping streets of the center are the offices of seven microfinance organizations and several bank branches .Nearby – cellular communication stores, lounges marriage and networks on the sale of perfumery.
Lawyer Aleksey Udalov explains that with the customers he must be a little psychologist and calm them down | Source: Service of the Russian BBC [19659003] Almost all the billboards with the what the city is pointing to is ads from microfinance organizations that promise a better life or that solve problems.
Lawyers with whom
According to Soltovets, the main cause of bankruptcies is the low standard of living in Vologda. Salary in the city rarely exceeds 30 thousand rubles, people take loans and simply eat them.
Alexey Udalov points out the financial illiteracy of the population: "People are re-credited.Because of the fact that they have a payment, they take a new loan and do not understand that by that they are even more in this financial hole failing. "
One of Udalov's clients was arguing with his daughter. For about a year, she could not get in touch with her and was very worried. In despair the woman went to the psychic, taking 200,000 rubles in credit for the payment.
There are many of these houses in Vologda | Source: Russian BBC Service
Also, according to Udalov, often failing businessmen are bankrupt. According to Soltovets, the number of ruined entrepreneurs has increased since 2016.
According to her, many chronic debtors have developed a comprehensive system allowing them to make financial transactions on loans greater than their income.
They have a whole system of credit cards, that is to say that they withdraw a credit card, they turn off the other, wait two days, and then they Turn off
Maria Soltovets
Arbitration Manager
One of Solovets' clients filed for bankruptcy, go abroad for a year. He had a debt of tens of millions of rubles in the criminal case, such debts are not written off. But for the duration of the bankruptcy proceedings, all restrictions abroad are lifted
But at some point this system may fail.
Thus, two brothers of Vologda Yuri and Vasily (the name of the second brother was changed at his request). Both work like drivers, bankrupts have become steel with a difference in a year.
An error occurred while loading. For a long time they were conscientious borrowers. But the 2014 crisis did not stop: the incomes fell and Vasili's wife lost her job.
"I had to work harder, I could not cope with anything," Vasily says. According to him, the banks have offered a restructuring, but he could not make the loan and in 2016 began the bankruptcy proceedings.
Vasily's bankruptcy cost 100 thousand rubles – he sold his car to pay for the procedure. For a whole year, Vbadili and his wife lived with a living wage of 11,000 rubles – that's all he had left of his salary. Vbadily after the end of the proceedings has written off all debts except communal.
His brother Yuri paid bankruptcy from 70 thousand to 5000 a month. But his debts for public services have not been erased. Now a 50-year-old man pays 10,000 rubles a month to pay off his "communal" debts, his mother's help.
The offices of microfinance organizations in Vologda adjoin the stores | Source: BBC Russian Service
Anna went to work as a salesman in one of the local shops of Vozhega. But the salary does not receive yet – the money leaves to the financial director who attributes to Anna about 16 thousand rubles. That's the cost of living plus half of the child's allowance.
Immediately after the bankruptcy, the appeals of the bailiffs, the bank and the management company ceased. His debts have been completely canceled, but the bankruptcy procedure will only be completed when they sell the apartment.
Then they will not refuse him any more money. From a pure leaf life, to nobody nothing should ", – Anna dreams dreamily and is very afraid of the condemnation of badociates.It still hides her story from knowledge
In this material additional visual elements may be placed on legal grounds. "BBC News Russian Service" is not responsible for their content.
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