Execut\u0103rile silite cauzeaz\u0103 probleme pentru mul\u021bi oameni, at\u00e2t \u00een via\u021ba profesional\u0103, c\u00e2t \u0219i \u00een cea personal\u0103. Acestea \u00eenseamn\u0103 o mare complica\u021bie \u00een revenirea la via\u021ba „normal\u0103”. Modificarea Legii falimentului \u0219i a restructur\u0103rii, care reglementeaz\u0103 reducerea datoriilor persoanelor fizice, \u00eei va ajuta pe ace\u0219tia s\u0103 dep\u0103\u0219easc\u0103 situa\u021bia dificil\u0103 \u00een care se afl\u0103.<\/p>\n\n\n\n
Printre motivele frecvente pentru declararea falimentului personal se num\u0103r\u0103 intrarea \u00eentr-o spiral\u0103 de datorii din care nu se mai poate ie\u0219i. Ca urmare a modific\u0103rii legislative a Legii nr. 7\/2005 privind falimentul \u0219i restructurarea 1. Cu toate acestea, \u00een martie 2017, falimentul personal a devenit o op\u021biune mult mai accesibil\u0103 pentru publicul larg. <\/p>\n\n
Falimentul personal se refer\u0103 la un proces reglementat \u0219i gestionat din punct de vedere juridic, \u00een timpul c\u0103ruia orice persoan\u0103 poate sc\u0103pa de datoriile sale. Chiar \u0219i f\u0103r\u0103 a fi nevoie s\u0103 aib\u0103 active sau venituri. \u00cen cazul \u00een care debitorul are active, acesta trebuie s\u0103 ia \u00een considerare faptul c\u0103 aceste active (at\u00e2t mobile, c\u00e2t \u0219i imobile) vor fi monetizate. \u00cencas\u0103rile din activ sunt utilizate ulterior pentru a pl\u0103ti pasivele sale. Exist\u0103 condi\u021bii clar definite pe care o astfel de persoan\u0103 trebuie s\u0103 le \u00eendeplineasc\u0103 pentru a se supune acestei forme de reducere a datoriilor. <\/p>\n\n
„Dac\u0103 facem ca falimentul s\u0103 fie accesibil pentru oameni, ace\u0219tia nu se vor confrunta cu at\u00e2t de multe execut\u0103ri silite. Posibilitatea de a sc\u0103pa de datorii va fi posibil\u0103 prin intermediul falimentului, creditorul fiind satisf\u0103cut din v\u00e2nzarea activelor. \u00cen acela\u0219i timp, debitorul va fi protejat \u00eempotriva pierderii locuin\u021bei. O alt\u0103 op\u021biune este un plan de rambursare.”<\/p>
– fost ministru al justi\u021biei, Lucia \u017dit\u0148ansk\u00e1 <\/p><\/blockquote>\n\n
Fi\u021bi aten\u021bi la condi\u021bii<\/h2>\n\n
O persoan\u0103 fizic\u0103 are dreptul de a solicita o scutire de datorii numai dac\u0103 face obiectul unei proceduri de executare silit\u0103 sau al unei proceduri de executare similare. Un debitor este considerat insolvabil atunci c\u00e2nd nu este \u00een m\u0103sur\u0103 s\u0103 pl\u0103teasc\u0103 cel pu\u021bin o obliga\u021bie monetar\u0103 la 180 de zile de la scaden\u021b\u0103. Ulterior, acesta este obligat s\u0103 ramburseze acest avans c\u0103tre Centrul de asisten\u021b\u0103 juridic\u0103 \u00een rate lunare \u00een termen de 3 ani de la data acord\u0103rii acestuia. \u00cen acela\u0219i timp, trebuie s\u0103 aib\u0103 centrul principal de interese pe teritoriul Republicii Slovace, lucru pe care \u00eel poate dovedi cu dovezi relevante. Adic\u0103, trebuie s\u0103 aib\u0103 re\u0219edin\u021b\u0103 permanent\u0103, familie, rela\u021bii, propriet\u0103\u021bi, leg\u0103turi economice \u0219i sociale. <\/p>\n\n
„Debitorul va beneficia de mai mult\u0103 protec\u021bie, iar executorul judec\u0103toresc de mai mult\u0103 responsabilitate \u00een ceea ce prive\u0219te executarea silit\u0103. \u00cen acela\u0219i timp, degrev\u0103m instan\u021bele judec\u0103tore\u0219ti de programul de executare, ceea ce va contribui la un acces mai bun la justi\u021bie \u00een general. Prin modific\u0103rile aduse legii falimentului, facem mai accesibil\u0103 reducerea datoriilor pentru cei care, din vina lor sau din alte motive, se afl\u0103 \u00eentr-o capcan\u0103 a datoriilor \u0219i nu pot ie\u0219i singuri din ea. Statul \u00eei va ajuta pe cei s\u0103raci cu costul datoriei. De asemenea, cre\u0219tem \u00een mod semnificativ protec\u021bia \u00eempotriva pierderii totale a locuin\u021belor de c\u0103tre debitori.”<\/p>
– fostul ministru al justi\u021biei, Lucia \u017dit\u0148ansk\u00e1<\/p><\/blockquote>\n\n
Scopul falimentului personal este de a sc\u0103pa de datoriile dumneavoastr\u0103. Conform propunerii, debitorul va putea sc\u0103pa de datoriile sale prin a\u0219a-numitul. audi\u021bii. Acesta va preda bunurile pentru monetizare \u0219i apoi instan\u021ba ar trebui s\u0103 aib\u0103 termen p\u00e2n\u0103 la 15. zile pentru a decide s\u0103 declare falimentul. La aceast\u0103 dat\u0103, debitorul este absolvit de datorii \u0219i procedurile de executare silit\u0103 \u00eempotriva sa \u00eenceteaz\u0103. Crean\u021bele devin ne\u00eencasabile \u0219i nu pot fi ini\u021biate altele noi. Debitorul poate \u00eencepe treptat s\u0103 duc\u0103 o via\u021b\u0103 normal\u0103. S\u0103-\u0219i deschid\u0103 un cont bancar, s\u0103 munceasc\u0103 f\u0103r\u0103 teama de a fi decontat la locul de munc\u0103. <\/p>\n","protected":false},"excerpt":{"rendered":"
Execut\u0103rile silite cauzeaz\u0103 probleme pentru mul\u021bi oameni, at\u00e2t \u00een via\u021ba profesional\u0103, c\u00e2t \u0219i \u00een cea personal\u0103. Acestea \u00eenseamn\u0103 o mare complica\u021bie \u00een revenirea la via\u021ba „normal\u0103”. Modificarea Legii falimentului \u0219i a restructur\u0103rii, care reglementeaz\u0103 reducerea datoriilor persoanelor fizice, \u00eei va ajuta pe ace\u0219tia s\u0103 dep\u0103\u0219easc\u0103 situa\u021bia dificil\u0103 \u00een care se afl\u0103.<\/p>\n","protected":false},"author":9,"featured_media":8573,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[81,118],"tags":[],"acf":{"facebookpost":"","popis_socialneho_obrazku":""},"yoast_head":"\n
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