Bankructwo konsumenckie a odpowiedzialność dłużnika



 Bankructwo konsumenckie a odpowiedzialność dłużnika względem wierzycieli

Bankructwo konsumenckie w minionym roku objawiło się skutecznym narzędziem na pełne wyjście z pętli zadłużenia i problem finansowych. Nowelizacja prawa upadłościowego postulowana była już od wielu lat jednak dopiero względnie nie dawno nasi parlamentarzyści dokonali zmiany, dzięki jakiej już tysiące Polaków wyszło ze swoich długów. Trudność z niespłaconymi zobowiązaniami wydaje się być, bowiem poważny. Według szacunków i raportu przygotowanego poprzez specjalistów z Biura Informacji Gospodarczej już około trzy mln osób zobowiązany (tj. takich, którzy podpisali umowę pożyczki lub kredytu) nie spłaca w terminie własnych długów. Bankructwo konsumenckie umożliwia wyjście na finansową prostą. Przy tym momencie każdy przeciętny Internauta może zadać zapytanie jak dochodzi do faktycznie potwornie dużych zadłużeń, przecież jak można logicznie wyjaśnić sytuację, w której postać pobiera emeryturę, która raptem wynosi niewiele ponad tysiąc złotych a jej bieżące zadłużenie szacowane jest w ok. dwieście tysięcy złotych? Odpowiedzieć na tak postawione pytanie nie wydaje się być prosta i wymaga kilku zasadniczych wyrażeń stosownego komentarza. W czołowej kolejności musimy zwrócić uwagę, w jakiej formie zaciągane będą zobowiązania. Mogą to okazać się kredyty bankowe lub kredyty w firmach pozbankowych. Opony bankowe są stonkowo tańsze a przez to prostsze w spłacie (chyba, że są to kredyty zaciągnięte we frankach szwajcarskich, które jak wiadomo, bo gwałtownych zwyżkach stały się sporym problemem dla kredytobiorców). Bankructwo konsumenckie to bardzo często ratunek dla ludzi pogrążonych przy chwilówkach. Przykładowo w pewnej firmie, której praktyki jesteśmy wstanie określić, jako realna lichwa w świetle obowiązującego uprawnienia pożyczka przedstawia się przy ten sposób. Pożyczkobiorca na podstawie umowy otrzymuje w rękę kwotę czterech tyś złotych, dodatkowo doliczana wydaje się kwota ubezpieczenia czterech tyś złotych, odsetki, opłaty przygotowawcze etc. Komplet tego sprawia, że ogólna kwota do spłacenia wynosi już kilkanaście tysięcy złotych. Jeżeli tego nie zaakceptować spłacamy dostajemy ponaglenia listowne i sms’owe (przykładowo koszt jednego takiego wezwania to suma trzydziestu złotych). Jeżeli sprawa trafi już służące do komornika do doliczane istnieją kolejne narzuty finansowe tj. koszt zastępstwa procesowego, opłaty sądowe, koszty komornicze. W ten sposób zaciągnięta suma pożyczki w wysokości czterech tysięcy złotych staje się de facto niespłacalna. Można, zatem łatwo wyobrazić samemu sytuacje, w której osoba ma kilka takich kredytów. Między innymi dla takich sytuacja zostało wprowadzone bankructwo konsumenckie. Instytucja prawna polegająca w tym, że osoba zadłużona składa w sądzie właściwy wniosek (opłata w naszym przypadku wynosi zaledwie trzydziestu zł). Kiedy sąd przychyla się do naszego wniosku zostaje nam przydzielony syndyk, który szacuje wartość posiadanego przez nas majątku i ustala plan spłat zadłużenia, (choć nie jest to obligatoryjne). Wykonując sumiennie projekt spłaty mamy szansę w to, że podczas dwóch do 3 lata nasze niespłacone zadłużenie ulegnie całkowitemu umorzeniu.

Komentarze: 52


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