Bankructwo konsumentów to sposób

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Dodany: 2018-02-18
Kategoria: adwokat rzeszów

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art

 Bankructwo konsumentów to sposób na ich wyjście z szarej strefy

Bankructwo to popularne określenie, które to w ostatnim czasie pozostało przypisane stosunkowo nowej instytucji prawnej, jaką bez kwestionowania jest upadłość konsumencka. W uproszczeniu w zasadzie chodzi o to samo, ale nie jest to prawidłowe nazewnictwo. Zaczynając od samego początku należy wspomnieć, że nadal kilka lat temu z możliwości ogłoszenia upadłości potrafili skorzystać przedsiębiorcy lub korporacji, które stanowiły oddzielne ludzie prawne. W tym momencie bankructwo to również dziedzina osób prywatnych- konsumentów. Korzystać mogą z niego ludzie, których zobowiązania są tak duże, że nie są realne przesłanki na ich spłatę. Jedynym rozwiązaniem przy takim przypadku jest ogłoszenie upadłości konsumenckiej. Przykładowo wiadomy dłużnik posiada zobowiązania na kwotę powyżej dwustu tysięcy złotych a jego wyłącznym dochodem jest wynagrodzenie wynoszące, co miesiąc sumę tylko 1. 341 zł (wynagrodzenie minimalne). Jest zrozumiałym, że niezależnie od tego jakby się starał to spłata takiego zadłużenia jest po prostu niemożliwa z logicznego punktu widzenia. Kwestią oddzielną pozostaje wątpliwość jak osoba o takich dochodach „wyhodowała” sobie tego typu zadłużenie (najczęściej jest to kwestia kredytów udzielanych we frankach szwajcarskich lub kredytów pozbankowych, które są obciążone astronomicznymi kosztami). Bankructwo jak i również upadłość konsumencka to niewątpliwe skuteczne lekarstwo dla osób przekredytownych i szansa na zwykłe życie bez windykacji jak i również strachu przed komornikiem.

Komentarze: 100


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