Foreclosures shkaktojn\u00eb shum\u00eb njer\u00ebz probleme n\u00eb jet\u00ebn e tyre profesionale dhe personale. Ata n\u00ebnkuptojn\u00eb nj\u00eb nd\u00ebrlikim t\u00eb madh kur ktheheni n\u00eb jet\u00ebn “normale”. Ndryshimi i ligjit t\u00eb falimentimit dhe ristrukturimit, i cili rregullon leht\u00ebsimin e borxhit t\u00eb personave fizik\u00eb, do t’i ndihmoj\u00eb ata t\u00eb kap\u00ebrcejn\u00eb situat\u00ebn e tyre t\u00eb v\u00ebshtir\u00eb jet\u00ebsore.<\/p>\n\n\n\n
Nd\u00ebr arsyet e zakonshme p\u00ebr shpalljen e falimentimit personal \u00ebsht\u00eb r\u00ebnia n\u00eb nj\u00eb spirale borxhi nga e cila nuk mund t\u00eb dilni. Pas ndryshimit legjislativ t\u00eb ligjit nr. 7\/2005 p\u00ebr falimentimin dhe ristrukturimin nga 1. megjithat\u00eb, n\u00eb mars 2017, falimentimi personal u b\u00eb nj\u00eb opsion shum\u00eb m\u00eb i aksesuesh\u00ebm edhe p\u00ebr publikun e gjer\u00eb. <\/p>\n\n
Falimentimi personal i referohet nj\u00eb procesi t\u00eb rregulluar dhe t\u00eb kontrolluar ligj\u00ebrisht gjat\u00eb t\u00eb cilit \u00e7do individ mund t\u00eb heq\u00eb qafe borxhet e tij. Edhe pa pasur nevoj\u00eb p\u00ebr t\u00eb pasur asete apo t\u00eb ardhura. N\u00ebse debitori ka pasuri, ai duhet t\u00eb pres\u00eb q\u00eb kjo pasuri (t\u00eb luajtshme dhe e paluajtshme) t\u00eb fitoj\u00eb para. Monetizimi i pron\u00ebs do t\u00eb p\u00ebrdoret m\u00eb pas p\u00ebr t\u00eb shlyer detyrimet e saj. Ekzistojn\u00eb kushte t\u00eb p\u00ebrcaktuara qart\u00eb p\u00ebr k\u00ebt\u00eb akt q\u00eb nj\u00eb person i till\u00eb duhet t\u00eb plot\u00ebsoj\u00eb p\u00ebr t’iu n\u00ebnshtruar k\u00ebsaj forme t\u00eb leht\u00ebsimit t\u00eb borxhit. <\/p>\n\n
\u201cN\u00ebse ne e b\u00ebjm\u00eb falimentimin t\u00eb aksesuesh\u00ebm p\u00ebr njer\u00ebzit, ata nuk do t\u00eb p\u00ebrballen me kaq shum\u00eb sekuestrime. Mund\u00ebsia p\u00ebr t\u00eb hequr qafe borxhet do t\u00eb jet\u00eb e mundur p\u00ebrmes falimentimit, me faktin se kreditori do t\u00eb jet\u00eb i k\u00ebnaqur nga shitja e pron\u00ebs. N\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb, huamarr\u00ebsi do t\u00eb mbrohet nga humbja e banesave. Nj\u00eb opsion tjet\u00ebr \u00ebsht\u00eb plani me k\u00ebste\u201d.<\/p>
– ish Ministrja e Drejt\u00ebsis\u00eb, Lucia \u017dit\u0148ansk\u00e1 <\/p><\/blockquote>\n\n
Kushtojini v\u00ebmendje kushteve<\/h2>\n\n
Personi fizik ka t\u00eb drejt\u00eb t\u00eb k\u00ebrkoj\u00eb shlyerjen e borxhit vet\u00ebm n\u00ebse ndaj tij zhvillohen p\u00ebrmbarim apo procedura t\u00eb ngjashme p\u00ebrmbarimore. Debitori konsiderohet i falimentuar kur nuk \u00ebsht\u00eb n\u00eb gjendje t\u00eb paguaj\u00eb t\u00eb pakt\u00ebn nj\u00eb detyrim monetar 180 dit\u00eb pas dat\u00ebs s\u00eb caktuar. M\u00eb pas, ai \u00ebsht\u00eb i detyruar t’ia kthej\u00eb k\u00ebt\u00eb paradh\u00ebnie Qendr\u00ebs s\u00eb Ndihm\u00ebs Juridike me k\u00ebste mujore brenda 3 viteve nga dh\u00ebnia e tij. N\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb, ai duhet t\u00eb ket\u00eb qendr\u00ebn e tij t\u00eb interesave kryesore n\u00eb territorin e Republik\u00ebs Sllovake, t\u00eb cil\u00ebn ai mund ta demonstroj\u00eb me provat p\u00ebrkat\u00ebse. Pra ai duhet t\u00eb ket\u00eb vendbanim t\u00eb p\u00ebrhersh\u00ebm, familje, marr\u00ebdh\u00ebnie, lidhje pron\u00ebsore, ekonomike dhe sociale. <\/p>\n\n
\u201cDebitori do t\u00eb ket\u00eb nj\u00eb shkall\u00eb m\u00eb t\u00eb madhe mbrojtjeje dhe p\u00ebrmbaruesi do t\u00eb ket\u00eb m\u00eb shum\u00eb p\u00ebrgjegj\u00ebsi p\u00ebr p\u00ebrmbarimin. N\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb, ne i leht\u00ebsojm\u00eb gjykatat nga axhenda e p\u00ebrmbarimit, gj\u00eb q\u00eb do t\u00eb kontribuoj\u00eb p\u00ebr nj\u00eb akses m\u00eb t\u00eb mir\u00eb n\u00eb drejt\u00ebsi n\u00eb p\u00ebrgjith\u00ebsi. Me ndryshimet n\u00eb ligjin e falimentimit, ne po japim nj\u00eb mund\u00ebsi m\u00eb t\u00eb p\u00ebrballueshme p\u00ebr leht\u00ebsimin e borxhit p\u00ebr ata q\u00eb p\u00ebr fajin e tyre ose p\u00ebr arsye t\u00eb tjera jan\u00eb gjetur n\u00eb kurthin e borxhit dhe nuk mund t\u00eb dalin vet\u00eb prej tij. Shteti do t\u00eb ndihmoj\u00eb t\u00eb varf\u00ebrit me kostot e leht\u00ebsimit t\u00eb borxhit. Gjithashtu po rrisim ndjesh\u00ebm mbrojtjen ndaj humbjes s\u00eb plot\u00eb t\u00eb banesave p\u00ebr huamarr\u00ebsit\u201d.<\/p>
– ish Ministrja e Drejt\u00ebsis\u00eb, Lucia \u017dit\u0148ansk\u00e1<\/p><\/blockquote>\n\n
Q\u00ebllimi i falimentimit personal \u00ebsht\u00eb t\u00eb hiqni qafe borxhet tuaja. Sipas propozimit, debitori do t\u00eb mund t\u00eb heq\u00eb qafe borxhet e tij, t\u00eb ashtuquajturat falimentimi. Ai do ta dor\u00ebzoj\u00eb pron\u00ebn p\u00ebr fitim parash dhe m\u00eb pas gjykata duhet t\u00eb ket\u00eb koh\u00eb deri n\u00eb dat\u00ebn 15. dit\u00eb p\u00ebr t\u00eb vendosur p\u00ebr shpalljen e falimentimit. N\u00eb k\u00ebt\u00eb dit\u00eb, debitori lirohet nga borxhet dhe procedura p\u00ebrmbarimore ndaj tij pushon s\u00eb zhvilluari. Pretendimet b\u00ebhen t\u00eb pakthyeshme dhe t\u00eb reja nuk mund t\u00eb fillojn\u00eb. Huamarr\u00ebsi gradualisht mund t\u00eb filloj\u00eb t\u00eb b\u00ebj\u00eb nj\u00eb jet\u00eb normale. Hapni nj\u00eb llogari bankare, punoni pa frik\u00ebn se do t\u00eb b\u00ebhen zbritje n\u00eb pun\u00eb. <\/p>\n","protected":false},"excerpt":{"rendered":"
Foreclosures shkaktojn\u00eb shum\u00eb njer\u00ebz probleme n\u00eb jet\u00ebn e tyre profesionale dhe personale. Ata n\u00ebnkuptojn\u00eb nj\u00eb nd\u00ebrlikim t\u00eb madh kur ktheheni n\u00eb jet\u00ebn “normale”. Ndryshimi i ligjit t\u00eb falimentimit dhe ristrukturimit, i cili rregullon leht\u00ebsimin e borxhit t\u00eb personave fizik\u00eb, do t’i ndihmoj\u00eb ata t\u00eb kap\u00ebrcejn\u00eb situat\u00ebn e tyre t\u00eb v\u00ebshtir\u00eb jet\u00ebsore.<\/p>\n","protected":false},"author":9,"featured_media":34051,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[387,439],"tags":[],"acf":{"facebookpost":"","popis_socialneho_obrazku":""},"yoast_head":"\n
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