Bankructwo tracisz majątek ale zyskujesz finansową wolność



 Bankructwo- tracisz majątek, ale zyskujesz finansową wolność

Bankructwo to popularne określenie, jakie w ostatnim czasie pozostało przypisane stosunkowo nowej instytucji prawnej, jaką bez wątpienia jest upadłość konsumencka. W uproszczeniu w zasadzie chodzi o to samo, ale nie zaakceptować jest to prawidłowe nazewnictwo. Zaczynając od samego zaczątku należy wspomnieć, że jeszcze kilka lat temu wraz z możliwości ogłoszenia upadłości zdołali skorzystać przedsiębiorcy lub korporacji, które stanowiły oddzielne jednostki prawne. W tym momencie bankructwo to również domena osób prywatnych- konsumentów. Korzystać mogą z niego jednostki, których zobowiązania są tak duże, że nie są realne przesłanki na pierwotnego spłatę. Jedynym rozwiązaniem przy takim przypadku jest obwieszczenie upadłości konsumenckiej. Przykładowo dany dłużnik posiada zobowiązania dzięki kwotę powyżej dwustu tyś złotych a jego jedynym dochodem jest wynagrodzenie wynoszące, co miesiąc sumę tylko 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 zapytanie jak osoba o tego rodzaju dochodach „wyhodowała” sobie tego typu zadłużenie (najczęściej jest to kwestia kredytów udzielanych we frankach szwajcarskich lub pożyczek pozbankowych, które są obciążone astronomicznymi kosztami). Bankructwo jak i również upadłość konsumencka to niewątpliwe efektywne lekarstwo dla osób przekredytownych i szansa na zwykłe życie bez windykacji i strachu przed komornikiem.

Komentarze: 52


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