Every day, millions of citizens make payments: for utilities, the Internet, and mobile communications. Most of them are optional, but there are expenses that should be repaid without delay. This applies to loans, fines (STSI, for example) and legal costs. The latter is usually associated with overdue payments. In order not to get into even bigger debts and not to be included in the status of a non-payer, you need to know how to pay legal debt.
Ways to Learn About Debt
Before you deal with payments, you need to make sure the amount owed to the judiciary. Notifications do not always disclose the entire amount of debt.
You can learn about debt in several ways:
- come to the department of the Federal Bailiff Service at the place of registration;
- go to the site of the FSSP of Russia;
- View information on the Gosuslug portal.
Any of the options is the official way to verify the availability of debt. You can find out the debt from the bailiffs and pay everything within 24 hours. Information for citizens is provided in the public domain.
What can they send a debt for?
After making sure of the amount of debt, you need to find out the reasons for the fine. Most often this is due to non-payment:
- loans;
- traffic police fines;
- utilities;
- child support;
- taxes.
Any of the reasons requires immediate payment of both the amount of the debt, and subsequent collection for it. The FSSP is engaged not only in monitoring debtors, but also in arresting accounts of non-payers.
To prevent the arrest or remove its imposition, you need to know how to pay the debt to the bailiffs.
Ways to pay off debt to court
There are several options to get rid of debt. They differ in the size of the commission, the speed of funds transfer and convenience. But anyone allows you to deposit funds in debt.
How can I pay court debt:
- wait until the entire amount of the arrest is written off;
- in the bank;
- through online banking;
- in a financial institution;
- in terminals;
- through "State services";
- using electronic wallets.
Bailiffs do not oblige debtors to pay in any particular way. They are only interested in paying off obligations, as the citizen himself. Having chosen a convenient option, the payer only needs to provide checks or other ways of confirming the payment.
Payment after seizure
When the debtor categorically refuses to repay the obligations, an arrest is imposed on his accounts. And for many, this is the only option to get rid of debt.
Arrest is not the best way to pay your debt. Rather, it is an inevitable option to write off funds to the FSSP. The imposition of arrest after enforcement proceedings means that the debtor refused to deposit funds earlier, and now they will be recovered by force.
Upon arrest, up to 70% of wages and other deductions will be deducted from the account until the full repayment of the debt. If the funds in the account are enough to pay the obligations, then the entire amount of the debt will be debited in full.
Features of the procedure
It is not recommended to delay payments, expecting the bailiffs to write off the debt themselves by seizing the accounts. The procedure entails constant monitoring of the payer's accounts, a possible restriction on going abroad and regular notifications about the need to pay off the debt.
If there is no other option, how to pay the court debt without a commission, you should carefully monitor the write-offs. In 50% of cases, arrest entails writing off up to 100% of the debt without splitting it into several payments, which is why customers' accounts go “minus”.
To remedy the situation, you should contact the FSSP department, which deals with the seizure of accounts. FULL NAME. of the authorized person is indicated in the account statement, which can be obtained from the bank.
Bank payment
One of the most common options, how to pay legal debts, are bank services. Financial institutions offer to pay everything from communal services to fines, with a commission of 0%.
For fines, including court fines, as a rule, the commission is charged by all banks. Its size depends on the company and the amount of debt.
For example, you can pay debts to bailiffs through Sberbank in cash or by card. When paying in cash, the commission will be 3% of the amount, at least 15 rubles. It is more profitable to pay off the debt on the card: the commission will be 2% of the amount, but not less than 10 rubles.
To pay at the bank’s office, the client must provide a notice with the details and amount of the debt. After payment, the employee will issue a check, which will also indicate the size of the commission.
Payment at the bank is convenient in that in case of loss of the payment document, you can request a confirmation certificate. In Sberbank, such confirmation is issued within 1 hour from the moment of requesting the service. You will need a client's passport, details of the recipient, date and amount of payment.
Debt repayment through Internet banking
A modern repayment method with a minimum commission is through an online bank payment. The advantage is the ability to complete the operation at any time of the day, print a check in the payment history and quickly receive funds to the FSSP account. When paying online, money is transferred to the bailiffs 4-6 hours after making the payment.
The most common online payment acceptance service in Russia is Sberbank Online.
How to pay legal debt through Sberbank:
- enter the system after entering the login and password;
- go to the tab "Transfers and payments";
- in the search enter the TIN of the organization. It is indicated in the payment document;
- dial a UIN or a number of enforcement proceedings (20 characters);
- choose a card to pay;
- enter the amount;
- familiarize yourself with the conditions and commission;
- if everything is correct, confirm the payment using the code from the number "900".
After successful payment, the status is "Completed". If the client has access to the printer, he can print the receipt. All payments are saved in the Transaction History.
If the payment status is “Accepted for processing”, it means that the transaction is being processed. It is recommended to wait 24 hours. If the status does not change to "Completed", you should cancel the payment. In case of debiting funds from the card without crediting to the account, you must contact the bank or call the Support Service.
Payment at the point of payment
In addition to banks, other financial organizations are involved in transferring funds to legal organizations and state institutions. It can be "Single Windows" or salons of cellular communication, offices of "Russian Post".
To make a payment at one of these points, you should have with you a receipt and a document for identification (for example, a passport). Payment in the company in 99% of cases is charged with a commission that is higher than at the bank.
After payment, a confirmation document is issued. The disadvantage of this method is the speed of receipt of funds: they arrive at the FSSP account within 1-3 days. To speed up the process, you can contact the FSSP department with a check to process the request.
There are a lot of options where to pay legal debts . It is recommended to give preference to large organizations that provide official confirmation of payment (check, warrant, certificate). Without a receipt, it is almost impossible to prove successful payment.
Debt repayment in terminals
One of the fastest options to get rid of the status of a debtor is payment in terminals. 24-hour service areas are located near banks, at public transport stops and in shopping centers.
To pay the FSSP debt in the terminal, you can use both a credit card and cash. Confirmation of payment will be a check.
How to pay legal debts through the terminal:
- find the "Payments" tab;
- choose a search method (depending on the bank, the search is carried out according to one of the details (TIN, BIC), name of organization or other parameter);
- enter FSSP data;
- dial the number of enforcement proceedings or UIN;
- enter the name and address of the payer (if necessary);
- to collect the amount of the debt (it should be borne in mind that a transfer fee may be charged, which is not always included in the payment amount);
- check the data and click "Pay";
- confirm the operation;
- get a receipt for payment.
When making a payment in the terminal, it is worth checking the details of the FSSP account with the data in the receipt. Sometimes the information presented in the terminal differs from the details on the document. If the information is incorrect, you should immediately contact the bank to edit the payment or refund.
Repayment of debt through "State services"
The official portal allows customers to check debt information and pay it directly on the site. To complete the operation, a citizen must register in the system by entering the name, address, passport data and SNILS.
How to pay legal debts through "State services":
- Log in by entering your username and password.
- Go to the Litigation tab.
- Choose a payment method: according to personal data or receipt. In the first case, the system automatically searches for fines and displays the results after clicking the "Find Debt" button. To pay the customer, just click on the penalty from the list and confirm the payment.
- When choosing payment by details, it is necessary to enter the number of enforcement proceedings, after its collection, information about the debt will appear. To pay, you need to check the details, get acquainted with the commission and confirm the payment.
Payment on the site is carried out online. Available payment methods: by credit card (except for the MIR payment system), electronic wallet (Yandex.Money and Webmoney), from your mobile phone account. The commission is charged depending on the method of payment, but not less than 1% of the amount.
Payment to FSSP via online wallets
Another convenient way to pay legal debts is to use an electronic wallet. Money is received within 24 hours.
How to pay a debt to the court (using the example of Yandex.Money):
- Sign in;
- go to "Payment for services";
- enter INN FSSP;
- dial KBK and production number (20 or 25 digits);
- enter the name of the payer and the purpose of the payment (for example, repayment of debt to bailiffs), collect the amount;
- familiarize yourself with the commission: 2% of the amount, at least 30 rubles;
- confirm the operation.
As in Sberbank, payments from Yandex.Money are executed only after entering the code from SMS. After confirmation, you need to make sure that the operation is successful. Printing a check is available immediately after payment.