00578naa#a2200181#i#450# EN\\bibl\7972 20240502074701.4 1995-042X 20151126b2015####ek#y0engy0150####ca RUS RU The ways of effectiveness improving of debt recovery of citizens in housing and communal services Journal article CHERKIZOVO Russian State University of Tourism and Service 2015 13 с. Journal article local Khavanova Natalya Litvinova Elena rguts.editorum.ru