TY JOUR TI The economic essence and legal structure of the insolvency (bankruptcy) of individuals: the balance of interests of the debtor and creditors KW bankruptcy of individuals KW insolvency KW economic essence of bankruptcy KW debt restructuring KW property realization KW balance of interests KW Fedresurs KW financial manager KW discharge of obligations JO Journal of Applied Research AU Arsahanova, Z.A. AU Gevorkyan, D.P. PY 2026 IS PB ITBO University