Upadłość konsumencka z niskimi dochodami

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Dodany: 2018-01-04
Kategoria: adwokat rzeszów

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 Upadłość konsumencka z niskimi dochodami

 Upadłość konsumencka z niskimi dochodami

Na czas dzisiejszy wiele użytkowników zadaje sobie pytanie, co to jest upadłość konsumencka. Niewykluczone, że te z nich, którym nie obce są kredyty i pożyczki słyszały trochę o tego typu instytucji prawnej. W zwykłych słowach upadłość jesteśmy w stanie określić obwieszczeniem bankructwa. W praktyce, albowiem cały proces się do tego sprowadza. Do naszego systemu prawnego została ona wdrożona z końcem roku 2009 (do tamtej chwili o upadłość mogły zabiegać wyłącznie podmioty prowadzące firmę).

W tym czasie upadłość konsumencka jest możliwa także w sytuacji osób prywatnych. Przesłanką do jej ogłoszenia jest fakt niewypłacalności danego konsumenta. Oznacza to, że nie jest on w stanie płacić swych naglących zobowiązań z przychodów, jakie to dostaje i małe są szanse na to, aby mógł to robić w bliskiej przyszłości. Kapitalnym tego przykładem są sytuacje, w których osoby padły ofiarą tzw. pętli kredytowej a raty zaciągniętych zadłużeń przewyższają ich przychody miesięczne. Spłata długu w takich stosunkach jest praktycznie niewykonalna a co za tym idzie jedynym wyjściem z sytuacji staje się upadłość konsumencka.

Żeby móc się o nią starać w 1szej kolejności powinniśmy zgromadzić całą dokumentację na temat naszego zadłużenia i wskazać, na jaką kwotę jesteśmy faktycznie zadłużeni (w wielu wypadkach jest to poważny kłopot dla zadłużonych). W dalszej kolejności powinniśmy wykazać przed sądem, iż nasza niewypłacalność powstała bez naszej winy.

Komentarze: 100


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