Upadłość konsumencka a kilka egzekucji komorniczych



 Upadłość konsumencka a kilka egzekucji komorniczych

Wiele ludzi aktualnie (a w szczególnie dłużników) zadaje sobie pytanie, co to jest upadłość konsumencka. Odpowiedź może stać się skrótowa albo bardzo wydłużona. Jednakże niniejszy post wierzę odpowie na wszelakie intrygujące Cię sprawy kwestie. Przede wszystkim możemy oznajmić, iż jest to nie mniej nie więcej jak obwieszczenie bankructwa w momencie, gdy dojdziemy do wniosku, iż jesteśmy popadliśmy w stan niewypłacalności a dalsze spłacanie naszego zadłużenia jest niewykonalne (np. sumy rat są wyższe nasze przychody).

Ważnym czynnikiem przy obwieszczaniu upadłości jest to, żeby nasza niewypłacalność nie była przez nas zawiniona. Oznacza to, że przekredytowanie powstało obiektywnie bez naszej świadomej winy (np. padliśmy ofiarą oszustów finansowych, którzy podpisali z nami umowę pożyczki gdzie wysokość odsetek stanowi przestępstwo lichwy). Nasza sytuacja jest badana przez sąd rejonowy według miejsca naszego zamieszkania. Do niego kierowany jest właśnie wniosek.

W trakcie procedury upadłościowej sąd zbada naszą sytuację finansową, kontroluje wiarygodność przedłożonych dokumentów i ostatecznie decyduje o tym czy wydać orzeczenie o ogłoszeniu upadłości w stosunku do nas. Powinniśmy wiedzieć, iż w żadnym razie nie możemy sobie zezwolić na skrywanie majątku i innego tego rodzaju ruchy. Może to, bowiem przekreślić nasze szanse na ogłoszenie bankructwa na wiele lat.

Komentarze: 71


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