Upadłość konsumencka dla osób które nie radzą



 Upadłość konsumencka dla osób, które nie radzą sobie ze zwrotem pożyczek

Upadłość konsumencka to instytucja stosunkowo innowacyjna w polskim prawie upadłościowym. Konieczność jej wprowadzanie była postulowana przez wiele okres przez praktyków i teoretyków polskiego prawodawstwa. W tym momencie po wprowadzonej po ostatnim czasie nowelizacji upadłość konsumencka jest jeszcze bardziej dostępna dla przeciętnego Kowalskiego, który ma poważne problemy wraz z spłatą swoich zaciągniętych deklaracji. Kwestią podstawową jest fakt, że dana osoba popadła w stan niewypłacalności i nie wydaje się być w stanie terminowo regulować swoich zobowiązań. Pozostałym czynnikiem jest okoliczność jakim sposobem doszło do powstania wiadomego stanu niewypłacalności. Zasadnicza jest, bowiem różnica między osobowością, która bezwiednie zaciągała kredyty na zachcianki życiowe (np. nowy telewizor plazmowy do salonu albo egzotyczne wczasy w tropikach) od osoby, która w skutek np. wypadku samochodowego została inwalidą, otrzymała niewielką rentę i nie może spłacać zaciągniętych długów. Upadłość konsumencka jest szansą w powrót do normalnego życia bez komorników i natarczywej windykacji. W tym momencie złożenie wniosku o obwieszczenie upadłości konsumenckiej łączy się z pokryciem kosztów rozstrzygających rzędu tylko 30 zł (wcześniej było to aż tysiąc złotych). Dlatego również osób, które skorzystały spośród takiego rozwiązania jest spośród każdym miesiącem w własnym kraju coraz więcej.

Komentarze: 100


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