Upadłość konsumencka w Polsce a uznanie

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Dodany: 2018-02-19
Kategoria: adwokat rzeszów

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 Upadłość konsumencka w Polsce a uznanie

 Upadłość konsumencka w Polsce a uznanie czynności prawnej za nieważną względem wierzycieli

Upadłość konsumencka w Polsce to niezwykle interesujący temat i to z kilkunastu zasadniczych przyczyn. Jak którykolwiek poważny artykuł zaczniemy być może od początku. Jak pozycja wyglądała przed wprowadzeniem do polskiego porządku prawnego tej instytucji przyjaznej konsumentom natomiast nie była to sytuacja bynajmniej wesoła. Należy zdać sobie sprawę z owego, że jeszcze kilka lat temu osoba, która popadała w poważne tarapaty finansowe tzn. z uwagi w utratę pracy lub poważną chorobę nie mogła spłacać w terminie zaciągniętych poprzez siebie zobowiązań. W takich okolicznościach droga do wegetacji finansowej była bardzo łatwa. Najpierw etap windykacyjny, innymi słowy osoby zatrudnione w agencji bankowej dzwonią do klientów niespłacających swoich rat w terminie i naciskają na wpłatę nawet dowolnych kwot, wielu spraw z tego etapu przechodzi do kolejnego stadium tj. wypowiedzenia umowy, skierowania sprawy do sądu i uzyskania przez bank prawomocnego nakazu zapłaty. Jeżeli w dalszym ciągu nie dokonujemy spłat nasza sprawa trafia do komornika. Komornik absorbuje nasze cenne ruchomości (np. konsolę do gier video), część wynagrodzenia lub pobieranego świadczenia z Zakładu Ubezpieczeń Społecznych. Na typ etapie zaciągnięte kredyty były już praktycznie nie do spłacenia. Osoby mające komornika „ na karku” uchylały się od spłacania zobowiązań i przechodziły do tzw. szarej strefy tj. w obawie poprzednio większym zajęciem komorniczym pracowały „na czarno” a formalnie figurowały, jako osoby bezrobotne. Upadłość konsumencka w Polsce po części rozwiązuje ten problem. Ustawodawca wylazł, bowiem z prostego założenia, że osoba zadłużona, jaka realnie nie jawi się być w stanie uregulować swoich zobowiązań musi otrzymać drugą szansę. Historia się to poprzez obwieszczenie upadłości konsumenckiej przed sądem. Aby tak się stało koniecznym staje się złożenie odpowiedniego wniosku. W swoim treści uwzględniamy takie dane jak wielkość posiadanego przez nas majątku, wielkość zadłużenia, wiadomości o tym jak doszło do naszej niewypłacalności i tak dalej., Kiedy sąd podzieli przedłożoną przeze mnie argumentację wydaje postanowienie o ogłoszeniu upadłości. Zostaje nam przydzielona osoba syndyka, która bada czy treść naszego wniosku pokrywa się ze stanem faktycznym. Upadłość konsumencka w Polsce nie różni się zbyt od innych instytucji tego typu funkcjonujących z dużym powodzeniem w krajach Europy Zachodnich i Stanach Zjednoczonych Ameryki Północnej. Konsumpcyjny fason życia a można bez owijania w bawełnę powiedzieć, że życie na kredyt powoduje, że więcej osób będzie korzystać wraz z tej instytucji prawnej. Jaka jest druga strona medalu upadłości konsumenckiej? Oczywiście stało się by zbyt pięknie gdyby nie miała żadnych minusów. Można powiedzieć, że najbardziej istotnym z nich jest okoliczność, iż majątek posiadany przez osobę starającą się na temat upadłość konsumencka w Polsce może zostać zlicytowany. Wobec tego, jeżeli przebywamy właścicielem nieruchomości np. domu, domu lub działki ma możliwość zostać w trakcie

Komentarze: 79


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