{"id":28263,"date":"2019-11-26T15:42:48","date_gmt":"2019-11-26T14:42:48","guid":{"rendered":"https:\/\/atena.sk\/blog\/faliment-personal-pentru-un-nou-inceput\/"},"modified":"2022-08-26T11:51:02","modified_gmt":"2022-08-26T09:51:02","slug":"faliment-personal-pentru-un-nou-inceput","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/ro\/faliment-personal-pentru-un-nou-inceput\/","title":{"rendered":"Faliment personal pentru un nou \u00eenceput?"},"content":{"rendered":"\n

\u00cen efortul de a reduce rata \u00eenc\u0103 ridicat\u0103 a \u0219omajului, statul de la 1. Martie 2017, datorit\u0103 legisla\u021biei consacrate prin Legea nr. 7\/2005 Coll. privind falimentul \u0219i restructurarea, a introdus noi norme privind falimentul personal. Scopul s\u0103u este de a le oferi o a doua \u0219ans\u0103 celor care se afl\u0103 \u00eentr-o „capcan\u0103 a datoriilor” \u0219i nu pot ie\u0219i singuri din ea. <\/p>\n\n\n\n

Educa\u021bia financiar\u0103 se \u00eembun\u0103t\u0103\u021be\u0219te, dar \u00eenc\u0103 se \u00eent\u00e2mpl\u0103 s\u0103 pl\u0103tim un \u00eemprumut cu altul. Problema apare atunci c\u00e2nd valoarea ramburs\u0103rilor dep\u0103\u0219e\u0219te o treime din venitul nostru. Cu toate acestea, pierderea unui loc de munc\u0103 sau o boal\u0103 care face imposibil\u0103 desf\u0103\u0219urarea activit\u0103\u021bii aduce, de asemenea, complica\u021bii. Falimentul personal este una dintre solu\u021biile pentru a ie\u0219i dintr-o situa\u021bie nepl\u0103cut\u0103. <\/p>\n\n

Este de a\u0219teptat o tendin\u021b\u0103 de sc\u0103dere? <\/h2>\n\n

Num\u0103rul de execut\u0103ri silite a sc\u0103zut puternic \u00een 2018 \u00een compara\u021bie cu anii preceden\u021bi. Principalul motiv al acestei sc\u0103deri a fost reprezentat de modific\u0103rile legislative privind falimentele personale. \u00cen primul trimestru al acestui an, num\u0103rul acestora a ajuns la 3 545, iar \u00een al treilea trimestru al acestui an la 4 782. De la un an la altul, \u00een trimestrul al treilea din 2019 au dat faliment cu 22,55% mai mul\u021bi debitori dec\u00e2t \u00een aceea\u0219i perioad\u0103 a anului trecut. Cu toate acestea, \u00een compara\u021bie cu ultimul trimestru al anului trecut, cu 3.600 de falimente personale, este cu 1,53% mai pu\u021bin. Prin urmare, se poate a\u0219tepta o tendin\u021b\u0103 descendent\u0103 \u0219i anul viitor. <\/p>\n\n

\"\"
EVOLU\u021aIA NUM\u0102RULUI DE FONDURI BANCARE PERSONALE<\/strong> (sursa: CRIF)<\/a> <\/figcaption><\/figure><\/div>\n\n

„\u00cen primele nou\u0103 luni ale acestui an, au fost declarate 12 665 de falimente personale. Num\u0103rul falimentelor personale din luna octombrie a fost mai mare dec\u00e2t \u00een tot anul trecut, \u00een care au fost declarate 13.848 de falimente personale din ianuarie 2019. De asemenea, \u00een general, sunt mai mul\u021bi b\u0103rba\u021bi dec\u00e2t femei care declar\u0103 faliment. \u00cen ceea ce prive\u0219te v\u00e2rsta, cei \u00een v\u00e2rst\u0103 de 40 de ani sunt cei mai reprezenta\u021bi, dar \u00een martie 2019 au fost semnificativ mai multe femei dec\u00e2t b\u0103rba\u021bi \u00een grupa de v\u00e2rst\u0103 a debitorilor de 70 de ani.” <\/p>

– Analist \u0219ef la CRIF, Jana Markov\u00e1 <\/p><\/blockquote>\n\n

\"\"
BANCURILE PERSONALE ALE B\u0102RBA\u021aILOR \u0218I FEMEILOR PE V\u00c2RST\u0102<\/strong> (sursa: CRIF<\/a>)<\/figcaption><\/figure><\/div>\n\n

\u00cenainte ca fostul ministru al justi\u021biei, Lucia \u017dit\u0148ansk\u00e1, s\u0103 vin\u0103 cu noua lege privind falimentul \u0219i restructurarea, posibilitatea falimentului personal era aproape de neatins pentru o persoan\u0103 obi\u0219nuit\u0103. \u00cenainte de intrarea \u00een vigoare a amendamentului, nu existau statistici reale care s\u0103 permit\u0103 s\u0103 se prevad\u0103 c\u00e2t de mare va fi interesul. Cu toate acestea, \u00een prezent, orice persoan\u0103 fizic\u0103 poate solicita scutirea de datorii, f\u0103r\u0103 excep\u021bie. Reducerea datoriei are loc \u00een momentul intr\u0103rii \u00een vigoare a ordonan\u021bei de declarare a falimentului sau a ordonan\u021bei privind stabilirea unui plan de rambursare, prin care instan\u021ba acord\u0103 debitorului o reducere a datoriei. <\/p>\n\n

Devine \u0219i mai u\u0219or<\/h2>\n\n

Orice debitor insolvabil care este o persoan\u0103 fizic\u0103, indiferent dac\u0103 este antreprenor sau nu, are dreptul de a solicita eliberarea de datoriile sale prin faliment sau printr-un plan de rambursare. S \n de c\u0103tre societatea de recuperare a crean\u021belor<\/a>\n<\/strong> Nu exist\u0103 promisiuni false, dar v\u0103 pute\u021bi baza pe rezultatul promis. Debitorul contacteaz\u0103 biroul relevant, telefonic sau personal, pentru a se informa cu privire la op\u021biunile de reducere a datoriilor. P\u00e2n\u0103 la 24. ore este contactat telefonic \u0219i se face o programare la cel mai apropiat birou al specialistului \u00een datorii.<\/p>\n\n

Clientului i se prezint\u0103 \u00eentreaga procedur\u0103 a datoriei sale. El sau ea trebuie s\u0103 \u00eencheie un ordin cu specialistul pentru o evaluare a situa\u021biei sale financiare \u0219i patrimoniale pentru a stabili dac\u0103 \u00eendepline\u0219te toate cerin\u021bele prev\u0103zute de lege. \u00cen termen de 7 zile se preg\u0103te\u0219te o evaluare \u0219i o propunere de solu\u021bie. Odat\u0103 ce este predat, clientul are garan\u021bia c\u0103 va fi aprobat de instan\u021b\u0103 pentru falimentul personal. \u00cen acela\u0219i timp, acesta va primi o peti\u021bie de faliment personal completat\u0103 cu toate anexele. Cererea semnat\u0103 este trimis\u0103 la Centrul de asisten\u021b\u0103 juridic\u0103 \u00een numele clientului. Pe tot parcursul \u00eentregului proces de reducere a datoriilor, clientul este monitorizat p\u00e2n\u0103 la \u0219tergerea complet\u0103 a datoriilor. <\/p>\n\n

Chiar \u0219i avoca\u021bii sunt tulbura\u021bi de datorii<\/h2>\n\n

Ideea c\u0103 numai persoanele analfabete din punct de vedere financiar se num\u0103r\u0103 printre debitori este gre\u0219it\u0103. Printre clien\u021bi se num\u0103r\u0103, printre al\u021bii, fo\u0219ti antreprenori de succes, chiar \u0219i avoca\u021bi, administratori judiciari \u0219i agen\u021bi de burs\u0103. Cazurile de insolven\u021b\u0103 secundar\u0103 sunt, de asemenea, frecvente. Meseria\u0219ii nu-\u0219i pot pl\u0103ti datoriile c\u0103tre companiile de asigur\u0103ri \u0219i, prin urmare, au contractat credite pe care nu le-au putut rambursa. <\/p>\n\n

„Falimentul personal este cauzat \u00een principal de datoriile mari, atunci c\u00e2nd o persoan\u0103 \u0219i-a judecat gre\u0219it capacitatea de rambursare sau a luat prea multe credite \u00een vremuri de prosperitate. Un alt motiv este acela c\u0103 debitorul nu are economii pe care s\u0103 le foloseasc\u0103 pentru a-\u0219i rambursa datoriile \u00een cazul unui deficit sau al unei sc\u0103deri a veniturilor sale. \u0218i, nu \u00een ultimul r\u00e2nd, un deficit de venit cauzat, de exemplu, de un \u0219omaj prelungit sau de probleme de s\u0103n\u0103tate poate duce o persoan\u0103 la faliment.”<\/p>

– Analist la Postova banka, Jana Glasov\u00e1 <\/p><\/blockquote>\n\n

O executare silit\u0103 veche poate fi \u00eentrerupt\u0103 \u00een cazul \u00een care debitorul sau creditorul a \u00eencetat s\u0103 mai existe f\u0103r\u0103 succesor legal, iar executarea silit\u0103 a fost ini\u021biat\u0103 \u00eenainte de 1. Aprilie 2017. Faptul c\u0103 creditorul este o persoan\u0103 fizic\u0103, o societate sau statul nu este decisiv pentru \u00eencetarea unei execut\u0103ri vechi. \u00cencetarea acestuia poate fi efectuat\u0103 \u0219i la cererea creditorului. \u00cen acela\u0219i timp, acesta este obligat s\u0103 pl\u0103teasc\u0103 doar costurile fixe ale executorului judec\u0103toresc \u00een leg\u0103tur\u0103 cu \u00eencetarea vechii execut\u0103ri. <\/p>\n\n

Dac\u0103 inten\u021bia legiuitorului de a permite debitorilor s\u0103 scape de datorii \u0219i, astfel, de a-i motiva s\u0103 duc\u0103 o via\u021b\u0103 ordonat\u0103 va fi \u00eendeplinit\u0103 va fi determinat\u0103 doar de practica de aplicare a instan\u021belor de faliment, de modul \u00een care acestea vor aborda propunerile individuale \u0219i, de asemenea, de activitatea debitorilor.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00cen efortul de a reduce rata \u00eenc\u0103 ridicat\u0103 a \u0219omajului, statul de la 1. Martie 2017, datorit\u0103 legisla\u021biei consacrate prin Legea nr. 7\/2005 Coll. privind falimentul \u0219i restructurarea, a introdus noi norme privind falimentul personal. Scopul s\u0103u este de a le oferi o a doua \u0219ans\u0103 celor care se afl\u0103 \u00eentr-o „capcan\u0103 a datoriilor” \u0219i […]<\/p>\n","protected":false},"author":9,"featured_media":8845,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[137,138],"tags":[],"acf":{"facebookpost":"","popis_socialneho_obrazku":""},"yoast_head":"\nFaliment personal pentru un nou \u00eenceput? - Atena blog<\/title>\n<meta name=\"description\" content=\"Scopul falimentului personal este de a oferi o a doua \u0219ans\u0103 celor care se afl\u0103 \u00eentr-o "capcan\u0103 a datoriilor" \u0219i nu pot ie\u0219i singuri din ea. 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