On November 1, 2025, a revolutionary change will come into effect in Russian tax legislation. The Federal Tax Service (FTS) is granted the right to write off debts indisputably, bypassing the courts. This applies to taxes, contributions, penalties, and fines.
What is changing in the usual procedure?
Forget the old scheme where a court stood between the demand for payment and the write-off. Now the algorithm is simplified to two steps:
- Issuing a demand for payment.
- Direct debit from your card or account after 10 days.
Conditions for applying the “fast write-off”:
- Debt amount ≤ 100,000 rubles.
- The debtor is an individual or a sole proprietor (IP).
- The 10-day voluntary payment period has expired.
The following are now in the crosshairs:
[:]- Property taxes (apartment, car, land).
- Personal Income Tax (NDFL) for sole proprietors and the self-employed.
- Insurance premiums for sole proprietors.
- Fines and penalties.
A plan to protect against unexpected debits:
- Regular Monitoring. Make it a habit to check your “Personal Tax Account” on the FTS website. This is where official information appears.
- Respond Immediately. Do not postpone resolving tax issues. You have only 10 days from the moment the demand appears in your account to challenge it.
- Financial Strategy. If you have disputed debts, consider not keeping all your funds in accounts that could be accessed instantly.
Important to know: Although the law provides for the right to appeal, getting already debited money back will be more difficult and time-consuming than preventing the debit itself.
The new procedure is a serious signal for everyone. Tax discipline is becoming more important than ever.
Check your tax history today to avoid problems tomorrow. Get a consultation and sleep soundly.