What can end if you do not pay for the apartment

Debtors of housing and communal services are waiting for fines, court or even eviction. Unpaid receipts become a difficult problem for many, especially if the debt accumulates over several months. Under what conditions and when can this happen?

Penalties

For late payment or non-payment, a penalty is charged. They are charged automatically using housing and communal services programs and the calculation for the second month of non-payment for each day is 1 \ 300 of the Central Bank refinancing. From day 90, the refinancing rate rises to 1 \ 130.

How to calculate how much penalty will run for a certain period? For example, a monthly payment is 7,000 rubles; a three-month debt has not been repaid for an apartment. Thus, we get 21000 * 90 (days of debt) \ 300.

It is not possible to pay interest through online cash desks or terminals; you need to do this at a bank branch or at the management company that owns the house.

If you do not pay more than 3 months

If the owner of the apartment has not paid the bills for more than three months, then utilities are suspended until the payment is paid off. It all depends on the management company, services are terminated either immediately or a month after a written warning.

There are special rules for the provision of utility services to owners, which are prescribed in the Government Decree. It is on these grounds that water and light can be turned off. After payment of the debt, services are resumed after two days.

Court

Utility debts can be recovered from defendants in court, while the amount of the claim increases with the cost of the process. The management company, HOA or developers are entitled to third-party assistance.

If the total debt does not exceed 500 thousand rubles, then the money is charged in a simplified manner. The service provider has the right to initiate a lawsuit and demand debt if the defendant entered into a contract directly with the firm.

Since 2016, another system of work through the court has been introduced, which involves a simplified scheme. When addressing such issues, the competent authorities give a positive response within 5 days, without a hearing. The defendant is given 10 days to cancel the court order. In this case, both parties appear in court. Cancellation of the decision occurs if the debtor has found evidence of incorrect accruals and settlements.

Debt collection comes from the defendant's income: pensions, salaries, profits. For a month can not be charged more than half of the total income.

Eviction

Only a non-privatized apartment can evict for non-payment of housing and communal services. Eviction is carried out after a six-month debt for the rental of premises and utilities. But at the same time, the evicted family is given another apartment of the same area under the right of social rent.