Kiedy najlepiej ogłosić upadłość konsumencką?



Kiedy najlepiej ogłosić upadłość konsumencką?

Upadłość konsumencka to znakomite rozwiązanie dla właściwie każdej osoby, która jest niewypłacalna. Jakiś czas temu, bowiem z perspektywy ogłoszenia bankructwa mogły skorzystać tylko podmioty pałające się prowadzeniem działalności gospodarczej. Ale już z końcem grudnia 2009 r. taką sposobność posiadają również osoby indywidualne- konsumenci. Poprzez wprowadzone przepisy do ustawy o prawie upadłościowym i naprawczym nasze państwo dołączyło do krajów Europy Zachodniej gdzie tego typu rozwiązania działały już z dużym powodzeniem od wielu lat.

Jak wskazują, albowiem znawcy z branży pożyczkowej i bankowości problem niespłacanych długów narasta w naszym kraju od dużej liczby lat. Ewidentnie nie możemy zapomnieć o starożytnej zasadzie prawa, która powiada, iż umów trzeba dotrzymywać jednakże z drugiej strony trzeba również wziąć pod rozwagę sytuację, osób nadmiernie przekredytowanych, które nie mają faktycznych szans na spłacenie swoich zobowiązań. Taki stan sprawy z kolei generuje to, iż uciekają one ze swoimi dochodami do szarej strefy. Rozwiązaniem, tym samym w takim przypadku jest upadłość konsumencka.

Bardzo często, albowiem osoba bedąća w długu na kilkadziesiąt lub też kilkaset tysięcy złotych jest skłonna sprzedać resztkę swojego majątku, żeby reszta niespłaconego długu została umorzona. Wszystko się, albowiem sprowadza do tego, że upadłość konsumencka umożliwia zadłużonemu „nowe” życie, bez zadłużeń, bez męczących telefonów od wierzycieli a przede wszystkim bez egzekucji komorniczej.

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