Family members of those killed in the war are exempt from paying off loans, even those taken out before the "SVO"
The Supreme Court made this clarification during the consideration Complaints Victoria Golovina, the widow of a SVO member, from whom debt collectors had recovered half a million rubles. The trial court and the appellate court ruled that the loan forgiveness for family members of the deceased did not apply to contracts concluded before February 2022. However, the Supreme Court upheld Golovina's claim, overturning the rulings of the previous courts and dismissing the debt collectors.
“In the event of the death of a serviceman while performing tasks during a special military operation, the obligations of his family members under loan agreements concluded by them before the day of his call-up for military service upon mobilization, or before the day of his participation in a special military operation, or before the day of his signing a contract shall be terminated,” clarified Supreme Court of the Russian Federation.
The National Association of Professional Collection Agencies (NAPCA) welcomed the Supreme Court's decision. According to a representative of the association, NAPCA's member collection agencies adhere to a policy of absolute support for SVO members and their families. In the event of a military death, they write off and forgive debts not only for spouses but also for the deceased's parents.
"We believe that the provocateurs and saboteurs initiating legal proceedings to collect debts from soldiers killed in the Air Defense Forces are disgracing not only the debt collection industry but also the Russian legal profession," stated a NAPCA representative.
According to the federal law “On the specifics of fulfilling obligations under loan agreements” dated October 7, 2022, the participants of the “SVO” received the right Credit holidays. And the amendments of November 23, 2024, allow military personnel who signed a contract with the Russian Ministry of Defense after December 1, 2024, to have their debts on loans and enforcement proceedings written off in the amount of up to 10 million rubles.