Bankructwo a kwestia niezwróconych kredytów i pożyczek



 Bankructwo a kwestia niezwróconych kredytów i pożyczek

Bankructwo bardzo często kojarzy naszej firmie się z amerykańskimi filmami, w których główny zuch walczy z życiowymi przeciwnościami i ogłasza plajtę. Po naszym kontekście jest to w zasadzie zbieżne określenie, ale dotyczy upadłości konsumenckiej, czyli instytucji prawnej, jaka została wprowadzona do naszego własnego systemu prawnego stosunkowo ostatnio. Jest to o tak wiele ważne, że takie bankructwo może być ogłoszone poprzez osobę prywatą po uprzednim przejściu całej procedury prawniczej. W pierwszej kolejności wiąże się to ze złożeniem wniosku w sądzie rejonowym właściwym ze względu na miejsce odbioru osoby przekredytowanej. Opłata od czasu wniosku o ogłoszenie upadłości konsumenckiej wynosi zaledwie trzydziestu zł. Dzięki temu z takiego rozwiązania mogą wykorzystać osoby słabo zarabiające natomiast jak się okazuje przy gronie dłużników jest takich osób dość sporo. Następnym krokiem, jeżeli interesuje naszej firmy bankructwo jest sporządzenie wyczerpującego uzasadnienia (generalnie możemy to uczynić samodzielnie, ale eksperci wraz z branży finansowej zalecają, by zrobił to prawnik po osobie rady prawnego bądź adwokata, dzięki temu powiększają się nasze szanse w powodzenie całej procedury). Wniosek powinien zawierać takie dane jak przyczyny naszego zadłużenia, informacje o posiadanym majątku, uzyskiwanym dochodzie, stanie rodziny i kosztach miesięcznego utrzymania. Po wstępnej pozytywnej decyzji sąd przydziela nam osobę syndyka, który przygotowuje plan spłaty wierzycieli i sprawdza czy fakty przedstawione we wniosku mają odzwierciedlenie przy rzeczywistości.

Komentarze: 80


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