Step 1
A file from the register
Full name, date of birth, passport and phone number from the file go to the API — one request per debtor. The system obtains the INN from the passport itself.
Debtor identification for debt collection agencies: phone number, passport and bankruptcy before the first call
Under the debt collection law, it matters not only how you speak but also who you speak to. We check that the number in the file belongs to the debtor, the passport is valid and there are no bankruptcy proceedings. When the debtor or a third party gets in touch on their own, their identity is confirmed by a document with Liveness.
Number from the file Bankruptcy and bailiffs Passport and taxpayer ID (INN) Document and Liveness
Data stored in Russia · Russian software registry no. 19972 · 152‑FZ
The collectors law: who you may talk to about a debt, when to stay silent and what to say at the start of a call
The law on protecting citizens’ rights when recovering overdue debts (230‑FZ) applies to banks, microfinance organisations, professional collection agencies and other creditors. Almost every restriction in it is tied to identity: whether the person you are talking to is the debtor, whether they are bankrupt, whether they have given consent.
Calls, limits and recordings are handled by your collection system. Our task is to make sure the file it works from is correct.
- Phone number check
The debtor and third parties
230‑FZ, Art. 4, 6
Third parties
- Relatives, neighbours, colleagues — only with the consent of both the debtor and the third party
- Both consents — in writing, as separate documents
- The same rules apply to a guarantor and a pledgor
Debt information
- Not passed to third parties without the debtor’s consent
- Consent — as a separate document
- At the workplace and in public — not allowed even with consent
What follows from this
- The number in the file must belong to the debtor
- A voice on the phone is not yet proof of identity
- Database checks
When contact is prohibited
230‑FZ, Art. 7, 8
Bankruptcy
- Calls and meetings are not allowed from the day debt restructuring is introduced
- Or from the day the person is declared bankrupt
The debtor’s circumstances
- Legal incapacity, inpatient treatment, Group I disability, being a minor — if confirmed by documents
Refusal and a lawyer
- Contact can be refused four months after the payment is overdue
- It must stop within three business days
- Or you speak only to the debtor’s lawyer
- Liveness
A call by the rules
230‑FZ, Art. 7, 13, 17
Time and frequency
- Not from 10 pm to 8 am on weekdays and not from 8 pm to 9 am at weekends
- Calls — no more than once a day, twice a week, eight times a month
Start of the conversation
- The employee’s name and INN
- The creditor or their representative
- Debt details and the amount
Collection agency
- A business company in the state register of the Federal Bailiffs Service
- Net assets and insurance — from RUB 10 million
- Call recordings and documents — kept for at least a year and a half
Collection agency, bank collections department, portfolio buyer: who checks the debtor’s file and why
The law is the same, but files arrive in different ways: from the creditor’s register, from a purchased portfolio or from your own database.
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A collection agency under an agency agreement
- The file comes from the creditor, contacts may be out of date
- The number is checked before the first call
- Bankruptcy — before every new wave of calls
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A collection agency as the new creditor by assignment
- A portfolio of old debts, sometimes several years old
- Passports from the file — checked for validity
- Document scans — through anti-fraud
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A bank or MFO collections department
- Their own customer, but the number may have changed
- Checks — in the same system as at issuance
- The debtor confirms identity via a link
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Instalments, leasing, car sharing
- Debts of individuals to a non-bank creditor
- The same law — the same restrictions
- Number, passport and bankruptcy — via API
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The claimant’s lawyers
- A claim file — with a current passport and INN
- The debtor’s bankruptcy — before filing the claim
- Enforcement proceedings — from the Federal Bailiffs Service database
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Number, passport, INN, bankruptcy: what to verify before first contact with the debtor
Four checks answer the question “may we call, and whom”. They work on the data already in the file — and look up nothing beyond it. For details on the contact check, see the page on matching a full name with a phone number.
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The number belongs to the debtor
A “yes” or “no” answer: whether the number in the file is linked to the debtor’s full name according to the mobile operator.
“No” — a reason not to call: the number may have passed to another subscriber, and a conversation about the debt would disclose it to a stranger. -
The number is live and not new
Activity — whether the number is currently in service; number age — how long the subscriber has been using it.
A disconnected number does not use up the call limit; a fresh one is a signal to check ownership. -
Passport and taxpayer ID (INN)
Passport validity from the file against the Ministry of Internal Affairs database and INN by passport — so that people with the same name are not confused.
An invalid passport in an old debt — a reason to check the file for forgery. -
Bankruptcy and bailiffs
Bankruptcy information — via the Federal bankruptcy register; enforcement proceedings — via the Federal Bailiffs Service database.
Restructuring or bankruptcy — calls and meetings stop, claims go through the procedure.
A debt portfolio in three steps: register, checks, call queue
Your collection system sends files via API requests, receives an answer for each check and itself decides whom to call, whom to write to and whom to set aside.
Step 2
Database and number checks
Ownership and activity of the number, bankruptcy, enforcement proceedings, passport validity. The answer comes separately for each check; “not checked” does not mean “clean”.
Step 3
A queue by your rules
Number confirmed — the debtor goes into the call campaign. Number belongs to someone else — letters only. Bankruptcy — the debt leaves the call campaign. The decision is made by your system.
A call to the wrong person: what an error in the debtor’s file costs
Three deadlines in the law
Every conversation with a collection agency is recorded and kept for a year and a half. If a call was unnecessary, the recording becomes evidence in a complaint — and the question will be put not to the operator but to the file.
- 01
A debt disclosed to a stranger
Five years ago the number in the file belonged to the debtor; now it belongs to someone else. The very first phrase about the debt discloses information to a third party without the debtor’s consent.
- 02
A call to a bankrupt person
The debtor filed for bankruptcy and the court introduced restructuring. Calls after that date are prohibited, and the agency learns of it from a complaint.
- 03
The wrong namesake
The file holds only a full name and date of birth, and a namesake has the same surname. INN by passport and passport validity tell the two people apart.
- 04
A teenager on the phone
The number is registered to an adult, but a child picks up. You may not discuss a debt with a minor — a script rule and a number ownership check before the call.
- 2 calls a week — the limit for a single debt
- 4 months after the payment is overdue, the debtor may refuse calls
- 3 working days to end contact after a refusal
A file checklist before a debt goes to work
Twenty items the agency checks before the first call or letter. The tag shows who closes each line.
- The passport in the file is valid according to the Ministry of Internal Affairs database
- INN obtained by passport — people with the same name are not mixed up
- A passport scan from the credit file — with no traces of pasted-in photos or edits
- Date of birth — the debtor is an adult
- The debt did not arise from a sole proprietor’s business activity or from utility bills
- The number belongs to the debtor — the mobile operator’s answer is “yes”
- The number is in service now
- The number’s age matches the loan date
- The subscriber’s consent to the number check — in the creditor’s file
- Third parties — only with two written consents
- No bankruptcy or restructuring in the Federal bankruptcy register
- Enforcement proceedings on the debt are taken into account
- Refusal of contact or the debtor’s lawyer — flagged
- Confirmed legal incapacity, treatment, Group I disability — flagged
- Call and message limits for each debt — counted
- Employees on the line — with no convictions the law prohibits
- Recordings of calls and messages — kept for at least a year and a half
- Script: the employee’s name and INN, the creditor, the debt amount
- A debtor who calls in passes a document and Liveness via a link
- The answer for each check is saved in the file
- NeuroVision — the line is closed by NeuroVision: number and database checks, passport, INN, document anti-fraud and Liveness
- Your system — a line for your collection system: restrictions, limits, script and recordings
- Legal — your lawyer’s decision: the scope of the law, consents and requirements for employees
A relative, a guarantor, the new owner of a number: how to tell a third party from the debtor
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The new owner of a number
NeuroVision. Answers “no” to whether the number belongs to the debtor and shows the number’s age.
Your system. Takes the number out of the call campaign before the first conversation. -
A relative with consent
NeuroVision. Checks the third party’s document and Liveness via a link — the consent is signed by the person named in it.
Your system. Stores both consents — the debtor’s and the third party’s — as separate documents. -
A guarantor and a pledgor
NeuroVision. Passport, INN and bankruptcy of the guarantor — with the same checks as for the debtor.
Your system. Applies the same restrictions to the guarantor as to the debtor. -
The debtor’s lawyer
NeuroVision. Recognises the passport and power of attorney, flags traces of editing and photos of a screen.
Your system. Switches communication to the lawyer after the debtor’s statement.
We do not help find a debtor’s new number, address or relatives, and we do not do it ourselves: the checks work only with the data already in the file and with the subscriber’s consent.
A loan taken out on someone else’s passport and four more traps in a purchased portfolio
A loan on someone else’s passport
The person in the file never took out a loan
A fraudster took out a loan with a lost passport. Passport validity and anti-fraud on the scan from the file show this before the agency starts calling the victim.
The number has changed hands
An old portfolio — old contacts
A number that has not been in service for six months may have been given to another subscriber by the operator. Number ownership and age remove such contacts from the call campaign.
A bankrupt in the portfolio
The procedure began after the debt was sold
The creditor sold the portfolio, and a month later the debtor filed for bankruptcy. A check against the Federal bankruptcy register before each wave of calls.
“I’m the debtor, transfer it here”
A call from a new number
The person introduces themselves as the debtor and asks to change the contacts or payment details for repayment. A link to a document and Liveness — before any changes to the file.
A forged power of attorney
The debtor’s “representative”
A power of attorney or the representative’s passport — a photo of a screen or with edits. Document anti-fraud flags this before debt information goes to a stranger.
230‑FZ
Identity first — then the debt
The debtor called in: how to confirm identity before discussing the amount and instalments
An incoming call is also contact, and debt information must not be disclosed to someone who has merely named another person’s full name. A link to the document and Liveness check goes to the number or email in the file and takes a couple of minutes.
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A call from an unknown number
The person gives the debtor’s full name and asks for the debt amount. Before answering — a link to a document and Liveness to the number in the file.
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Instalments and a settlement agreement
The debtor is ready to sign a payment schedule. The passport is recognised into the contract without retyping, and Liveness confirms that they sign it themselves.
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“It’s not my loan”
The person says the loan was taken out on their passport. A document with Liveness now and anti-fraud on the scan from the file — material to sort it out with the creditor.
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Changing contacts in the personal account
The debtor changes the number or email used for contact. The document and Liveness again — before the new number enters the call campaign.
Checks for debt collection: catalogue and prices
Each check is enabled separately — you pay only for completed requests. A check skipped for lack of data is not charged.
A contact from the file
by full name and number, with the subscriber’s consent.
- Telecom operators
The number belongs to the person
Confirmation that the phone number is linked to the customer's name. A yes/no answer.
5 ₽ / check
Learn more - Telecom operators
The number's activity
Whether the number is currently serviced by an operator.
5 ₽ / check
Learn more - Telecom operators
The number's age
How long the subscriber has used the number: from «less than three months» to «more than five years». Freshly bought numbers are a risk factor.
5 ₽ / check
Learn more - Telecom operators
Age confirmation
Confirming that the customer is of age from telecom operator data — with no passport scan.
5 ₽ / check
Learn more
Whether you may collect and from whom
by the passport from the file.
- Federal bankruptcy register
Personal bankruptcy
A search of the federal bankruptcy register: personal bankruptcy cases filed and completed. By tax number the result is unambiguous.
5 ₽ / check
Learn more - Federal Bailiffs Service
Enforcement proceedings
Active enforcement proceedings from the bailiffs' database: the amounts owed, the claimants, the type of recovery and an estimate of how close the person is to bankruptcy given their total debts.
5 ₽ / check
Learn more - Police · SMEV
Validity of a Russian passport
The authenticity and validity of a Russian passport through the interagency interaction system. It catches expired, replaced, lost and invalid documents and verifies that the passport was issued to this particular person.
5 ₽ / check
Learn more - Courts of general jurisdiction
Civil and administrative cases
Claims, debt recovery and administrative offences — a search for proceedings in the courts of general jurisdiction.
5 ₽ / check
Learn more
Identity and documents
for the debtor, guarantor, third party and representative.
- OCR · anti-fraud
Document recognition with anti-fraud
A Russian passport or another document is recognised from a photo: the fields arrive as a JSON response, and anti-fraud flags a photo of a screen, a printout, a pasted-in photo and edits.
from 16 ₽
Learn more - Liveness · iBeta PAD Level 1–3
Document + Liveness and selfie comparison
Liveness and a one-off comparison of a selfie with the photo in the document in one session: for the debtor, guarantor, third party and representative.
from 29 ₽ per session
Learn more - OCR
An additional document in the session
A second document in the same session — for example, the representative’s power of attorney.
10 ₽
Learn more - Federal Tax Service
INN by passport
Determining the tax number from the passport data. It unlocks the checks that need precise identification of the person — with no namesakes.
5 ₽ / check
Learn more
How much preparing a debtor for collection costs
No subscription fee: you can check the number and bankruptcy across the whole portfolio, and a document with Liveness — only for those who got in touch themselves.
- Enable
Contact
5 ₽ per check
Ownership, activity and age of the number from the file.
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Bankruptcy, enforcement proceedings, passport validity, INN. Sixteen basic checks as a package — 50 ₽ instead of 80 ₽.
- Build a scenario
Identity via a link
from 29 ₽ per session
A document, Liveness and a one-off comparison of a selfie with the photo in the document.
One session — one person. Example: number, bankruptcy and passport — 15 ₽ per debtor. Document recognition without Liveness — from 16 ₽, a second document in the session — 10 ₽.
Connecting to a collection system: API for the register, a link for the debtor, a dashboard
Checks are built into your collection system and the debtor’s personal account — with no manual entry and no separate window for the operator.
- REST API
- Link
- Web SDK
- iOS and Android
- Docker
Test access — on request
Payment for completed checks, the data retention period is set in the scenario, support through a ticket system.
Why agencies and collections departments check files in NeuroVision
Collection needs a check that does not search for people, does not over-promise and keeps data in Russia.
A file and identity — in one API
Number, bankruptcy, bailiffs and passport are checked in one scenario before the call, and a debtor who gets in touch themselves confirms identity via a link. An answer for each source; the decision stays with your system.
There is no need to assemble a solution from several vendors and reconcile their responses.
A collection glossary: collection agency, third party, refusal of contact
Briefly on the concepts of the collection law and file checks.
- Professional collection agency
- A business company in the state register of the Federal Bailiffs Service for which recovering overdue debts is the main line of business.
- Debt collection agency
- Debtor
- An individual with an overdue monetary obligation, as well as their guarantor and pledgor.
- Debtor
- Third party
- A family member, relative, neighbour or anyone else except the debtor; a debt may be discussed with them only with two consents.
- Third party
- Direct contact
- In-person meetings, phone calls and conversations with an automated agent.
- Direct contact
- Refusal of contact
- The debtor’s statement after which the creditor stops calls and meetings; it may be filed no earlier than four months after the payment is overdue.
- Opt-out notice
- Assignment of the right of claim (cession)
- Sale of a debt to a new creditor; for a consumer loan, only a bank or a collection agency may call.
- Debt assignment
- Federal bankruptcy register
- The Unified Federal Register of Bankruptcy Information — it shows whether restructuring has been introduced or a person has been declared bankrupt.
- Bankruptcy register
- Number ownership
- The mobile operator’s answer on whether a number is linked to a person’s full name: “yes” or “no”.
- Phone ownership
- Liveness
- A check that a live person is in front of the camera, not a photo, a screen or a mask.
- Liveness detection
- The debtor’s file
- Data on the debtor and the debt supplied by the creditor: full name, passport, contacts, contract.
- Debtor file
Read also
Personal data, repeat checks and passport forgeries — in our blog.
404 16
KYC, AML and Digital Identification
How to ensure the protection of personal and biometric data in KYC processes
359 23
KYC, AML and Digital Identification
Repeat KYC: how to conduct re-identification without losing customers
467 22
Anti-Fraud, Liveness and Deepfake Protection
Anti-Fraud in Document Verification: How to Detect Forgeries and Traces of Editing
405 19
AI OCR, IDP and Document Recognition
How automatic online passport verification works: a full breakdown of the technologies and verification stages
Questions about identifying debtors under 230‑FZ
Almost all restrictions in the collection law are tied to identity: you may not discuss a debt with a stranger, call a bankrupt person or continue after a refusal. Checking the file before the call lowers the risk that the conversation takes place with the wrong person.
Act in good faith, not disclose debt information to third parties without the debtor’s consent, observe contact times and frequency, and at the start of a conversation give the employee’s name and INN, the creditor and the debt amount. A collection agency records all conversations and keeps the recordings for at least a year and a half.
Only with the consent of both the debtor and the relative. Both consents are given in writing as separate documents. A debt may not be reported at the workplace or in public even with consent.
The “Phone belongs to the person” check, based on mobile operator data, answers “yes” or “no” to whether the number is linked to the debtor’s full name. It is run with the subscriber’s consent and costs 5 ₽. The number’s activity and age are checked separately.
No. Calls and in-person meetings are prohibited from the day debt restructuring is introduced or the person is declared bankrupt. The “Individual bankruptcy” check against the Federal bankruptcy register shows filed and completed cases.
Send a link to a document check and Liveness to the number or email in the file. The person photographs their passport and passes Liveness, and the selfie is compared once with the photo in the document. Until there is a result, debt information is not disclosed.
No. We do not offer recognition from stored voice or face samples. Identity is confirmed by a document and Liveness in one session.
No. The checks work only with the data from the file and answer whether it is correct. You cannot use them to find a person, number, address or relatives.
No. The law does not apply to sole proprietors’ debts from business activity or to debts governed by housing legislation and the laws on utility supply.
Professional collection agencies are not on the list of organisations in Article 5 of 115‑FZ. For them, identifying the debtor is a way to comply with 230‑FZ, not a requirement of the anti-money-laundering law.
A criminal record certificate is issued by the Ministry of Internal Affairs, and the candidate obtains it themselves. A check of criminal cases in courts of general jurisdiction is an additional signal, not a replacement for the certificate. Details are on the page on candidate checks.
Number and database checks — 5 ₽ each, sixteen basic checks — 50 ₽. A document with Liveness — from 29 ₽ per session. There is no subscription fee.
We will prepare a portfolio check for your agency
Tell us how many debts are in work and what data arrives from creditors. We will select a set of pre-call checks and give you test access.
Can't put your request into words? Book a call and our team will contact you at a convenient time
Book a call
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