Upadłość konsumencka vademecum

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Dodany: 2018-02-18
Kategoria: adwokat rzeszów

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 Upadłość konsumencka- vademecum wydajnego oddłużania

Oldschoolowa rzymska zasada prawa określa, że zawartych umów należy dotrzymywać. Można, zatem wnioskować, że każda podpisana umowa pożyczki czy też kredytu powinna stać się zrealizowana poprzez sumienną spłatę pożyczonej kwoty razem z odsetkami, jaki zostały przewidziane w treści dokumenty urzędowe. Praktyka życiowa pokazuje jednakże, że występuje wiele zdarzeń, które uniemożliwiają zwrot zaciągniętego kredytu lub pożyczki. Niekiedy, aby odzyskać wolność kredytową konieczną staje się upadłość konsumencka. Mamy tu na sądzi szczególnie przypadku osób, które bardzo często nie spośród własnej winy popadły w stan niewypłacalności. Jest to podstawowy czynnik, jaki musi wystąpić, aby postępowanie upadłościowe zakończyły się pozytywnie gwoli osoby zadłużonej. Upadłość konsumencka przy polskim systemie prawnym to instytucja stosunkowo nowa (wcześniej z możliwości ogłoszenia mogli skorzystać jedynie przedsiębiorcy). Który jest skutek ogłoszenia tak zaawansowanej upadłości? W pierwszej kolejności jest to przede wszystkim ustanowienie syndyka dla osoby składającej konkluzja. Sprawdza on jak ogromne jest faktycznie zadłużenie dłużnika, z czego się utrzymuje, ile wynoszą koszty utrzymania jego i jego rodziny. Syndyk ustala stosowny zamiar spłaty, który dłużnik ma obowiązek wypełnić, aby upadłość konsumencka doszła do skutku. Według bieżących przepisów z upadłości konsument może skorzystać raz w dziesięć lat.

Komentarze: 100


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