Upadłość konsumencka jak sfinalizować?



Upadłość konsumencka jak sfinalizować?

Duża grupa ludzi w obecnej chwili (a w szczególności dłużników) zadaje sobie pytanie, co to jest upadłość konsumencka. Odpowiedź może okazać się skrótowa lub bardzo długa. Natomiast niniejszy paragraf wierzę odpowie na wszystkie intrygujące Cię sprawy kwestie. Nade wszystko możemy powiedzieć, że jest to nie mniej nie więcej tylko obwieszczenie bankructwa w momencie, gdy dojdziemy do wniosku, iż jesteśmy popadliśmy w stan niewypłacalności a dalsze opłacanie naszego długu jest niemożliwe (np. sumy rat są wyższe nasze zarobki).

Podstawowym elementem przy obwieszczaniu upadłości jest to, żeby nasza niewypłacalność nie była przez nas zawiniona. Znaczy to, iż zadłużenie powstało obiektywnie bez naszej świadomej winy (np. padliśmy ofiarą kanciarzy finansowych, którzy podpisali z nami umowę pożyczki gdzie wielkość odsetek stanowi lichwę). Nasza sytuacja jest badana przez sąd rejonowy ze względu na miejsce naszego zamieszkania. Do niego kierujemy właśnie wniosek.

W trakcie postępowania sąd analizuje naszą sytuację finansową, sprawdza wiarygodność przedłożonych dokumentów i finalnie decyduje o tym czy wydać orzeczenie o ogłoszeniu upadłości w stosunku do nas. Musimy wiedzieć, iż w żadnym razie nie możemy sobie pozwolić na zatajenie składników majątkowych i innego tego rodzaju posunięcia. Może to, albowiem zniweczyć nasze szanse na ogłoszenie bankructwa na długi okres czasu.

Komentarze: 77


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