The law proposes 3 types of procedures, depending on the type of debt and the amount owed (out-of-court bankruptcy, judicial bankruptcy and the procedure for restoring solvency).
The most popular, as practice shows, is the out-of-court bankruptcy procedure. It can be applied to debts owed to banks, microfinance organizations, and collection agencies.
Citizens have the opportunity to submit applications to PSC through the e-government portal (eGov.kz .), as well as through the mobile applications e-Salyq Azamat and eGov Mobile.

Source : https://www.gov.kz/memleket/entities/kgd-shymkent/press/news/details/1043440?lang=kk