The Supreme Court of the Russian Federation (SC) will decide whether a bankrupt mortgage borrower should answer to the mortgage bank with all his property or only mortgaged housing. According to the mortgage law, in the event of the sale of the collateral or the bank leaving it behind, the citizen’s debt to him is considered repaid. But bankruptcy law entitles the secured creditor to remain on the register and claim other assets of the bankrupt if the value of the collateral does not cover the entire debt. Which rules take precedence will be decided by the Supreme Court. Lawyers say that the dispute has an acute social significance, and now in practice “there is a strong bias” in favor of creditor banks.