Changes are proposed to the Civil procedure code, the law “On enforcement proceedings” and “About insurance pensions”.
Deputies propose to set a limit according to which the recovery of debts by creditors, the subsistence level remains untouched.
This “minimal” is established by the regional authorities, but cannot be below the minimum wage – 12 130 rubles.
the Authorities will check to see if the debtor has assets or income that is subject to collection. It is anticipated that police officers will cooperate with banks, police, tax authorities for periodic updates of information on the finances of the citizen.
– People who find themselves in debt, should not be deprived of a livelihood, – said one of the authors, the head of the faction Sergei Neverov. The high-interest loans, according to him, most often give the least financially literate citizens – primarily pensioners.
Today, the law permits the foreclosure of the pension, including pension insurance for old age, confirmed his co-author, the first Deputy Chairman of state Duma Committee on financial markets Igor Divinsky. You can pick up no more than 50%, and from a small pension for life remain a penny.
As told by another author, the head of the Committee for the control and Regulation Olga Savastianova made initiatives were worked out with the government and experts long before the pandemic coronavirus. “In the circumstances, in our opinion, this work should be accelerated, said the Deputy, – to protect the interests of our citizens who are most vulnerable in material terms”.
She added that “these bills are a response to the request of the citizens, as expressed not only in appeals but also in the statistical analysis of judicial practice, for which there are specific human fates and unresolved issues.
Deputy Chairman of the same Committee Natalia Kostenko said that requests to maintain a minimum cash the courts apply pensioners, invalids, large families. Such debtors remain legally in fact without a livelihood. Credit organizations simply gave the citizens money without taking into account income and current credit load. “Now the situation of the pandemic in the early stages, when there is a threat of falling of incomes of the majority of citizens, the bill becomes even more important”, – said the Deputy.
the Authors of the bill believe that the amendments they managed to find a balance between guarantees of rights and freedoms for the citizens of the debtor and protection of creditors ‘ rights.
the Law, if adopted, will come into force on the expiry of eighteen months from the date of its official publication. In the explanatory note the authors embraceproved that the transitional period needed for adaptation of the banking system.
