Bankructwo a chowanie dobytku przez



 Bankructwo a chowanie dobytku przez dłużnika

Bankructwo to popularne określenie, które w ostatnim czasie pozostało przypisane stosunkowo nowej przedsiębiorstw prawnej, jaką bez kwestionowania jest upadłość konsumencka. W uproszczeniu w zasadzie chodzi na temat to samo, ale nie zaakceptować jest to prawidłowe nazewnictwo. Zaczynając od samego zaczątku należy wspomnieć, że wciąż kilka lat temu wraz z możliwości ogłoszenia upadłości zdołali skorzystać przedsiębiorcy lub spółki, które stanowiły oddzielne osoby prawne. W tym czasie bankructwo to również sfera osób prywatnych- konsumentów. Korzystać mogą z niego osoby, których zobowiązania są faktycznie duże, że nie są realne przesłanki na ich spłatę. Jedynym rozwiązaniem po takim przypadku jest anons upadłości konsumenckiej. Przykładowo wiadomy dłużnik posiada zobowiązania na kwotę powyżej dwustu tysięcy złotych a jego wyłącznym dochodem jest wynagrodzenie wynoszące, co miesiąc sumę jedynie 1. 341 zł (wynagrodzenie minimalne). Jest zrozumiałym, iż niezależnie od tego jakby się starał to spłata takiego obciążenia jest po prostu niemożliwa z logicznego punktu widzenia. Kwestią oddzielną pozostaje wątpliwość jak osoba o tego rodzaju dochodach „wyhodowała” sobie tego rodzaju zadłużenie (najczęściej jest to kwestia kredytów udzielanych we frankach szwajcarskich lub kredytów pozbankowych, które są obciążone astronomicznymi kosztami). Bankructwo jak i również upadłość konsumencka to niewątpliwe sprawne lekarstwo dla osób przekredytownych i szansa na zwyczajowe życie bez windykacji jak i również strachu przed komornikiem.

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