The service for bankruptcy of individuals is available on the eGov portal.kz, in the mobile application eGov Mobile, e – Salyq Azamat

The state service "Application of the out-of-court Bankruptcy procedure" is available on the eGov e-government portal.kz and in the mobile application e – Salyq Azamat, eGov Mobile, or on paper through the nearest branch of the Public Service Center. The service provides for the filing of applications for the application and termination of the out-of-court bankruptcy procedure. This was reported in the State Revenue Committee of the Ministry of Finance of the Republic of Kazakhstan.
Since March 3, the acceptance of applications from citizens for bankruptcy has begun.
As of 16:00, 1,469 applications for out–of–court bankruptcy were received (1,399 - through eGov, 70 - e-Salyq Azamat). The first application was received at 09:05 from Zhambyl region through the e-government portal.
The video instruction is available at the link: https://www.youtube.com/watch?v=f4hlnjAzHqk
According to the Law of the Republic of Kazakhstan "On the Restoration of Solvency and Bankruptcy of citizens of the Republic of Kazakhstan", which entered into force on March 3, 2023, Kazakhstanis can apply on the eGov portal.kz and in the eGov Mobile application, Salyq Azamat, or on paper through the nearest branch of the Public Service Center.
Only the applicant himself can file for bankruptcy.
Before submitting an application, you need to check the following information:
- debt to banks, microfinance organizations, collection agencies should not exceed 5.5 million tenge and the delay period should be at least 12 months (mkb.kz );
- absence of property on the right of ownership, including property in common ownership (Egov.kz .);
- registration of your phone number and spouse in the Database of Mobile citizens (BMG). To register a mobile number, follow the link my.egov.kz .
- a document on debt settlement with a creditor (a second-tier bank or a microfinance organization) is attached to the application.
The settlement document is considered to be:
- the bank's refusal to settle;
- a copy of the application or confirmation of the submission of the application in electronic format (in the absence of a response from the bank);
* for debts to collection agencies, a settlement document is not needed;

- if the debt is not repaid for more than 5 years, the Conditions for the amount of debt and property are not taken into account;
- applicants who have been recipients of the TSA for 6 months can apply for the application of this procedure without taking into account the 12-month delay period;
It should be noted that there are consequences of being declared bankrupt:
- a ban on obtaining loans and credits for 5 years (except for obtaining micro-loans from pawnshops);
- repeated bankruptcy is possible only after 7 years;
- the financial condition of the bankrupt will be monitored for 3 years after bankruptcy.

"We have implemented a new service for filing an electronic application for the application of out-of-court bankruptcy of individuals on the portal eGov.kz ., in the mobile application e – Salyq Azamat, eGov Mobile. Applications received by the relevant state revenue authorities will be automatically processed in the back-system on the web portal Qoldau.kz JSC "Information and Accounting Center", which implemented more than 30 integrations with databases of government agencies and organizations.
The results of the conducted scoring by means of data integration with the use of format-logical control will completely eliminate the "human factor" when processing applications and inform citizens about the results of the provision of public services via SMS notification from service 1414, that is, about the refusal or application of bankruptcy proceedings.
In case of receipt of a Notification of refusal to apply for an out-of-court bankruptcy procedure, a citizen has the right to file a second application after excluding the grounds that caused the refusal, but not earlier than 3 (three) calendar months after the date of receipt of the refusal.
If there is property, a citizen has the right to file an application to the court on the application of the procedure for restoring solvency or judicial bankruptcy," said Deputy Chairman of the State Revenue Committee of the Ministry of Finance of the Republic of Kazakhstan Kairat Miyatov.