Upadłość konsumencka a skorzystanie z pomocy prawnika



 Upadłość konsumencka a skorzystanie z pomocy prawnika

Upadłość konsumencka to znakomite rozwiązanie dla bez wątpienia każdej osoby, która jest niewypłacalna. Do niedawna, bowiem z perspektywy ogłoszenia bankructwa mogły skorzystać tylko podmioty zajmujące się prowadzeniem firmy. Natomiast z końcem grudnia 2009 r. taką perspektywę posiadają również osoby prywatne- konsumenci. Przez przedłożone regulacje do ustawy o prawie upadłościowym i naprawczym nasz kraj dołączył do krajów Europy Zachodniej gdzie tego typu mechanizmy funkcjonowały już z dużym powodzeniem od mnóstwa lat.

Jak podkreślają, bowiem eksperci z branży kredytów i bankowości problem niespłaconych długów narasta w naszym państwie od dużej liczby lat. Oczywiście nie możemy nie pamiętać o starożytnej zasadzie prawa, jaka mówi, iż kontraktów należy dotrzymywać jednak z 2-iej strony wskazane jest dodatkowo wziąć pod uwagę sytuację, osób nadmiernie przekredytowanych, które nie posiadają rzeczywistych szans na zwrot swych zadłużeń. Taki stan sprawy natomiast generuje to, że uciekają one ze swymi dochodami do szarej strefy. Wyjściem, tym samym w takim wypadku jest upadłość konsumencka.

Bardzo często, albowiem osoba zadłużona na kilkadziesiąt albo też kilkaset tysięcy złotych jest skłonna wyprzedać resztkę swego majątku, żeby całość długu została umorzona. Wszystko się, albowiem sprowadza do tego, iż upadłość konsumencka gwarantuje dłużnikowi „nowe” życie, bez długów, bez dokuczliwych telefonów od windykatorów a przede wszystkim bez egzekucji komorniczej.

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