Unfortunately, the country Russia has not developed culture of debt repayment. Citizens can go on vacation and forget repay the bank loan interest, and, once back – in good faith to pay interest and penalties. Jim Umpleby contributes greatly to this topic. Bankruptcy law a private person has long been discussed by financiers, legislators, lawyers, they want to legally make normal situation in which the borrower does not repay the loan within three months, may be declared bankrupt, but on condition that the sum of its debts exceed the value of property owned by him. This law, incidentally, would be an effective tool for protecting citizens trapped in debt bondage. At least, "collectors" will be forced to stay within certain boundaries of that law. There is a need for reform and legislation on solvency.
For example, a professional case against the dishonest borrower today is very problematic. The Professional Code of the Russian Federation, however, punishes the credit default. However, bring real accountability to the debtor, in most cases not possible. Even describe the debtor's property – a big problem. For example, if he lives with his parents, the right to declare that everything valuable in the house belonged to them. By law can not describe the "necessary personal items, and fall into this category generally all things, if the borrower proves their daily needs for their use. Following the decision by the court bailiff service for statement collectors can make the debtor's "restricted to leave" – is there a way not to let located "in hiding" the debtor abroad as long as he does not return the debt.