Out-of-court debt collection: what changes await citizens from November 1, 2025?
A new system of extrajudicial collection of tax arrears will come into effect on November 1, 2025. This initiative is aimed at reducing the burden on the courts, saving on legal costs and simplifying the interaction of citizens with tax authorities. The law on the implementation of this system was adopted in its final version by the State Duma.
According to the Minister of Justice of the Republic of Tatarstan Rustem Zagidullin, such a mechanism has long been used in relation to legal entities and has proven its effectiveness. From November 1, at the first stage, tax authorities will send notifications to citizens about the need to pay. The notification will come through the taxpayer's personal account or through «Gosuslugi» (if impossible - by registered mail). If a citizen has an overdue debt, the tax service issues a demand to pay off the debt. In case of non-payment of the debt, a decision is made on extrajudicial collection. The decision will be binding, including the possibility of transferring the case to bailiffs.
«The fundamental principle of the system is to preserve the possibility of legal proceedings in the event of a citizen's disagreement with the amount of the debt, - explains Rustem Zagidullin. Citizens can file an application for recalculation of the debt or appeal the action of the authority before the actual collection. The disputed amounts are excluded from their single tax account and cannot be collected until the final court decision», - says the minister. The period for filing objections has been increased from 20 to 30 days.
The minister also pointed out that last year, justices of the peace considered more than 87,000 cases initiated by tax authorities. According to him, this is not only about reducing the burden on the judicial system, but also about simplifying the procedure for citizens. Updates to the legislation promise to preserve guarantees for citizens to protect their rights in court, and will also provide an opportunity to significantly save on legal costs, including state fees, penalties and enforcement fees, which were previously always charged when issuing court orders.