Upadłość konsumencka w Polsce koło ratunkowe dla pożyczkobiorców

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Dodany: 2017-09-29
Kategoria: adwokat rzeszów

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 Upadłość konsumencka w Polsce koło ratunkowe dla pożyczkobiorców

 Upadłość konsumencka w Polsce- koło ratunkowe dla pożyczkobiorców

Upadłość konsumencka w Polsce to niezwykle interesujący temat i to z kilku zasadniczych przyczyn. Jak jakikolwiek poważny artykuł zaczniemy może od początku. Jak sprawa wyglądała przed wprowadzeniem do polskiego porządku prawnego naszej instytucji przyjaznej konsumentom natomiast nie była to sytuacja bynajmniej wesoła. Należy zdać sobie sprawę z tegoż, że jeszcze kilka latek temu osoba, która popadała w poważne tarapaty pieniężne tzn. z uwagi na utratę pracy lub znaczną chorobę nie mogła spłacać w terminie zaciągniętych przez siebie zobowiązań. W tego rodzaju okolicznościach droga do wegetacji finansowej była bardzo łatwa. Najpierw etap windykacyjny, innymi słowy osoby zatrudnione w banku 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 jak i również uzyskania przez bank prawomocnego nakazu zapłaty. Jeżeli w dalszym ciągu nie dokonujemy spłat nasza sprawa trafia do komornika. Komornik frapuje nasze cenne ruchomości (np. konsolę do gier video), część wynagrodzenia lub pobieranego świadczenia z Zakładu Ubezpieczeń Społecznych. Na typ kroku zaciągnięte kredyty były już praktycznie nie do spłacenia. Osoby mające komornika „ dzięki karku” uchylały się od momentu spłacania zobowiązań i przechodziły do tzw. szarej strefy tj. w obawie przed 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 dzieje uregulować swoich zobowiązań powinna otrzymać drugą szansę. Historia się to poprzez anons upadłości konsumenckiej przed sądem. Aby tak się wydarzyło koniecznym staje się złożenie odpowiedniego wniosku. W jego treści uwzględniamy takie wiadomości jak wielkość posiadanego przeze mnie 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 tekst naszego wniosku pokrywa się ze stanem faktycznym. Upadłość konsumencka w Polsce nie różni się zbyt od innych instytucji owego typu funkcjonujących z dużym powodzeniem w krajach Europy Zachodnich i Stanach Zjednoczonych Ameryki Północnej. Konsumpcyjny wzór życia a można otwarcie powiedzieć, że życie w kredyt powoduje, że coraz więcej osób będzie korzystać wraz z tej instytucji prawnej. Która jest druga strona medalu upadłości konsumenckiej? Oczywiście było by zbyt pięknie o ile nie miała żadnych minusów. Można powiedzieć, że najważniejszym z nich jest okoliczność, iż majątek posiadany przez osobę starającą się na temat upadłość konsumencka w Polsce może zostać zlicytowany. Wobec tego, jeżeli istniejemy właścicielem nieruchomości np. domu, domu lub działki ma możliwość zostać w trakcie

Komentarze: 100


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