According to Art. 491 of the Bankruptcy Law if the assets and income of the insolvent debtor do not allow to cover the costs of the proceedings, the Treasury shall cover them temporarily. However, the debtor should return them under a debt repayment plan. Such reimbursement can be postponed until the debtor’s financial situation improves, such as when he finds employment. If, on the other hand, there is no chance to do so (for example, due to serious illness), the costs of the proceedings can be waived entirely.The waiver of bankruptcy costs often occurs in the case of pensioners who have no assets and, in addition, receive low Social Security benefits. This is because the consumer bankruptcy of a retiree with no assets boils down to the determination of a plan for repayment of creditors from his pension, which, as a rule, cannot be collected by the trustee in full, but only up to 25% of the gross value of the benefit.At the same time, however, there is an amount free of deductions that must be left to the retiree to cover living expenses. Thus, with very low benefits, it may turn out that the trustee has no money to cover either the creditors or the costs of the proceedings.