%0 Journal Article %T The economic essence and legal structure of the insolvency (bankruptcy) of individuals: the balance of interests of the debtor and creditors %A Arsahanova, Z.A. %A Gevorkyan, D.P. %K bankruptcy of individuals, insolvency, economic essence of bankruptcy, debt restructuring, property realization, balance of interests, Fedresurs, financial manager, discharge of obligations %J Journal of Applied Research %D 2026 %N %P %I ITBO University