Bankructwo przekonaj sie czy masz



 Bankructwo przekonaj sie czy masz możliwość na ogłoszenie upadłości

Bankructwo to popularne określenie, jakie w ostatnim czasie zostało przypisane stosunkowo nowej instytucji prawnej, jaką bez negowania jest upadłość konsumencka. W uproszczeniu w zasadzie chodzi na temat to samo, ale nie jest to prawidłowe nazewnictwo. Zaczynając od samego początku należy wspomnieć, że wciąż kilka lat temu z możliwości ogłoszenia upadłości zdołali skorzystać przedsiębiorcy lub spółki, które stanowiły oddzielne ludzie prawne. W tym chwili bankructwo to również sfera osób prywatnych- konsumentów. Wykorzystać mogą z niego jednostki, których zobowiązania są tak duże, że nie istnieją realne przesłanki na katalogów spłatę. Jedynym rozwiązaniem po takim przypadku jest ogłoszenie upadłości konsumenckiej. Przykładowo dany dłużnik posiada zobowiązania w kwotę powyżej dwustu tysięcy złotych a jego wyłącznym dochodem jest wynagrodzenie wynoszące, co miesiąc sumę tylko 1. 341 zł (wynagrodzenie minimalne). Jest zrozumiałym, że pomijając fakt jakby się starał to spłata takiego obciążenia jest po prostu niemożliwa z logicznego punktu widzenia. Kwestią oddzielną pozostaje pytanie jak osoba o tego rodzaju dochodach „wyhodowała” sobie tego typu 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 skuteczne lekarstwo dla osób przekredytownych i szansa na zwyczajowe życie bez windykacji i strachu przed komornikiem.

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