Wszystko co chciałbyś wiedzieć

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Dodany: 2018-02-24
Kategoria: adwokat rzeszów

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 Wszystko co chciałbyś wiedzieć

 Wszystko, co chciałbyś wiedzieć o upadłości konsumenckiej

W chwili obecnej wiele osób zadaje sobie zapytanie, co to jest upadłość konsumencka. Możliwe, iż te z nich, którym nie obce są kredyty i pożyczki słyszały trochę o takowej instytucji prawnej. W zwyczajnych słowach upadłość jesteśmy w stanie nazwać ogłoszeniem bankructwa. W praktyce, bowiem cały proces się do tego ogranicza. Do polskiego systemu prawnego została ona wprowadzona pod koniec roku 2009 (do tamtej chwili o upadłość mogły się starać jedynie podmioty prowadzące działalność gospodarczą).

W tym czasie upadłość konsumencka jest realna także w wypadku osób niekomercyjnych. Podstawą do jej ogłoszenia jest okoliczność niewypłacalności danego konsumenta. Oznacza to, że nie jest on w stanie płacić swych teraźniejszych zadłużeń z przychodów, jakie to uzyskuje i małe są możliwości na to, żeby mógł to robić w bliskiej przyszłości. Idealnym tego przypadkiem są incydenty, w których jednostki padły ofiarą tzw. pętli kredytowej a raty zaciągniętych zadłużeń przewyższają ich zarobki miesięczne. Zwrot długów w tego typu stosunkach jest praktycznie niewykonalna a co za tym idzie jedynym wyjściem z sytuacji staje się upadłość konsumencka.

Aby móc się o nią starać w 1-szej kolejności trzeba zgromadzić całą dokumentację na temat naszego obciążenia i określić, na jaką kwotę jesteśmy faktycznie zadłużeni (w wielu przypadkach jest to duży kłopot dla dłużników). W dalszej kolejności powinniśmy uwidocznić przed sądem, że nasza niewypłacalność nie była przez nas zawiniona.

Komentarze: 100


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