{"id":39614,"date":"2019-11-26T15:42:48","date_gmt":"2019-11-26T14:42:48","guid":{"rendered":"https:\/\/atena.sk\/blog\/falimentimi-personal-per-nje-fillim-te-ri\/"},"modified":"2022-08-30T12:46:54","modified_gmt":"2022-08-30T10:46:54","slug":"falimentimi-personal-per-nje-fillim-te-ri","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/sq\/falimentimi-personal-per-nje-fillim-te-ri\/","title":{"rendered":"Falimentimi personal p\u00ebr nj\u00eb fillim t\u00eb ri?"},"content":{"rendered":"\n

N\u00eb p\u00ebrpjekje p\u00ebr t\u00eb ulur papun\u00ebsin\u00eb ende t\u00eb lart\u00eb, shteti nga 1. Mars 2017, fal\u00eb legjislacionit t\u00eb parashikuar n\u00eb ligjin nr. 7\/2005 Kol. p\u00ebr falimentimin dhe ristrukturimin, futi rregulla t\u00eb reja t\u00eb falimentimit personal. Q\u00ebllimi i tij \u00ebsht\u00eb t’u jap\u00eb nj\u00eb shans t\u00eb dyt\u00eb atyre q\u00eb gjenden n\u00eb nj\u00eb “kurth borxhi” dhe nuk mund t\u00eb dalin vet\u00eb prej tij. <\/p>\n\n\n\n

Njohuria financiare po p\u00ebrmir\u00ebsohet, por gjithsesi ndodh q\u00eb t’i shlyejm\u00eb nj\u00eb kredi tjetr\u00ebs. Problemi lind n\u00ebse shuma e k\u00ebsteve kalon nj\u00eb t\u00eb tret\u00ebn e t\u00eb ardhurave tona. Megjithat\u00eb, komplikime sjell edhe humbja e vendit t\u00eb pun\u00ebs apo s\u00ebmundja, e cila e b\u00ebn t\u00eb pamundur pun\u00ebn. Falimentimi personal \u00ebsht\u00eb nj\u00eb nga zgjidhjet p\u00ebr t\u00eb dal\u00eb nga nj\u00eb situat\u00eb e pak\u00ebndshme. <\/p>\n\n

Pritet nj\u00eb tendenc\u00eb r\u00ebn\u00ebse? <\/h2>\n\n

Numri i sekuestrave u ul ndjesh\u00ebm n\u00eb vitin 2018 krahasuar me vitet e m\u00ebparshme. Arsyeja kryesore e uljes ishin ndryshimet legjislative n\u00eb falimentimet personale. N\u00eb tremujorin e par\u00eb t\u00eb k\u00ebtij viti numri i tyre arriti n\u00eb 3545 dhe n\u00eb tremujorin e tret\u00eb n\u00eb 4782. N\u00eb nj\u00eb krahasim nga viti n\u00eb vit, 22,55% m\u00eb shum\u00eb debitor\u00eb falimentuan n\u00eb tremujorin e tret\u00eb t\u00eb 2019 sesa n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar. Megjithat\u00eb, krahasuar me tremujorin e fundit t\u00eb vitit t\u00eb kaluar me 3600 falimentime personale, kjo \u00ebsht\u00eb 1.53% m\u00eb pak. Prandaj, prirje r\u00ebn\u00ebse mund t\u00eb pritet edhe n\u00eb vitin e ardhsh\u00ebm. <\/p>\n\n

\"\"
ZHVILLIMI I NUMRIT T\u00cb FALIMENTIMIT PERSONAL<\/strong> (burimi: CRIF)<\/a> <\/figcaption><\/figure><\/div>\n\n

\u201cN\u00eb n\u00ebnt\u00eb muajt e par\u00eb t\u00eb k\u00ebtij viti jan\u00eb shpallur 12665 falimentime personale. N\u00eb tetor, numri i tyre q\u00eb nga janari 2019 ishte m\u00eb i lart\u00eb se n\u00eb t\u00eb gjith\u00eb vitin e kaluar, ku u deklaruan 13,848 falimentime personale. \u00cbsht\u00eb gjithashtu p\u00ebrgjith\u00ebsisht e v\u00ebrtet\u00eb q\u00eb m\u00eb shum\u00eb burra falimentojn\u00eb sesa gra. P\u00ebr sa i p\u00ebrket mosh\u00ebs, personat n\u00eb t\u00eb dyzetat jan\u00eb m\u00eb t\u00eb p\u00ebrfaq\u00ebsuarit, por n\u00eb mars 2019 kishte duksh\u00ebm m\u00eb shum\u00eb gra se burra n\u00eb grupmosh\u00ebn e huamarr\u00ebsve 70-vje\u00e7ar\u00eb. <\/p>

– Analistja kryesore e CRIF, Jana Markov\u00e1 <\/p><\/blockquote>\n\n

\"\"
FALIMENTIMI PERSONAL I BURRAVE DHE GRAVE SIPAS MOSH\u00cbVE<\/strong> (burimi: CRIF<\/a> )<\/figcaption><\/figure><\/div>\n\n

P\u00ebrpara se ish-ministrja e Drejt\u00ebsis\u00eb Lucia \u017dit\u0148ansk\u00e1 t\u00eb dilte me ligjin e ri p\u00ebr falimentimin dhe ristrukturimin, mund\u00ebsia e falimentimit personal ishte pothuajse e paarritshme p\u00ebr njer\u00ebzit e zakonsh\u00ebm. P\u00ebrpara se ky ndryshim t\u00eb hynte n\u00eb fuqi, nuk kishte statistika reale q\u00eb mund t\u00eb p\u00ebrdoreshin p\u00ebr t\u00eb parashikuar interesin p\u00ebr t\u00eb. Megjithat\u00eb, aktualisht \u00e7do person fizik mund t\u00eb aplikoj\u00eb p\u00ebr leht\u00ebsim borxhi pa p\u00ebrjashtim. Shlyerja e borxhit b\u00ebhet n\u00eb momentin e hyrjes n\u00eb fuqi t\u00eb vendimit p\u00ebr shpalljen e falimentimit ose t\u00eb vendimit q\u00eb p\u00ebrcakton orarin e pages\u00ebs, n\u00eb t\u00eb cilin gjykata shkarkon debitorin. <\/p>\n\n

\u00cbsht\u00eb edhe m\u00eb e leht\u00eb<\/h2>\n\n

\u00c7do debitor i falimentuar, i cili \u00ebsht\u00eb person fizik, sip\u00ebrmarr\u00ebs ose jo, ka t\u00eb drejt\u00eb t\u00eb k\u00ebrkoj\u00eb shlyerjen e borxheve t\u00eb tij n\u00ebp\u00ebrmjet falimentimit ose me k\u00ebste. Nuk ka premtime t\u00eb rreme me nj\u00eb kompani p\u00ebr shlyerjen e borxhit<\/a><\/strong> , por mund t\u00eb mb\u00ebshteteni n\u00eb rezultatin e premtuar. Huamarr\u00ebsi kontakton me telefon ose personalisht zyr\u00ebn p\u00ebrkat\u00ebse, ku m\u00ebson p\u00ebr opsionet e leht\u00ebsimit t\u00eb borxhit. Deri n\u00eb dat\u00ebn 24 or\u00eb kontaktohet me telefon dhe lihet nj\u00eb takim n\u00eb zyr\u00ebn m\u00eb t\u00eb af\u00ebrt t\u00eb specialistit t\u00eb leht\u00ebsimit t\u00eb borxhit.<\/p>\n\n

E gjith\u00eb procedura e leht\u00ebsimit t\u00eb borxhit i paraqitet klientit. Me nj\u00eb specialist, ai jep nj\u00eb urdh\u00ebr p\u00ebr nj\u00eb Vler\u00ebsim t\u00eb gjendjes s\u00eb tij financiare dhe pasurore dhe zbulon n\u00ebse i plot\u00ebson t\u00eb gjitha k\u00ebrkesat e p\u00ebrcaktuara me ligj. M\u00eb pas, brenda 7 dit\u00ebve, p\u00ebrpilohet Vler\u00ebsimi dhe propozimi p\u00ebr zgjidhje. Pas dor\u00ebzimit, klientit i garantohet falimentimi personal i miratuar nga gjykata. N\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb, ai do t\u00eb marr\u00eb nj\u00eb Aplikim t\u00eb plot\u00ebsuar p\u00ebr falimentim personal me t\u00eb gjitha bashk\u00ebngjitjet. Aplikacioni i n\u00ebnshkruar i d\u00ebrgohet Qendr\u00ebs s\u00eb Ndihm\u00ebs Juridike n\u00eb em\u00ebr t\u00eb klientit. Gjat\u00eb gjith\u00eb procesit t\u00eb leht\u00ebsimit t\u00eb borxhit, klienti monitorohet derisa borxhi t\u00eb lirohet plot\u00ebsisht. <\/p>\n\n

Edhe avokat\u00ebt jan\u00eb t\u00eb shqet\u00ebsuar nga borxhet<\/h2>\n\n

Ideja q\u00eb vet\u00ebm analfabet\u00ebt financiarisht jan\u00eb mes debitor\u00ebve \u00ebsht\u00eb e gabuar. Klient\u00ebt jan\u00eb, nd\u00ebr t\u00eb tjera, ish-sip\u00ebrmarr\u00ebs t\u00eb suksessh\u00ebm, madje edhe avokat\u00eb, administrues falimentimi ose agjent\u00eb aksionesh. Rastet e falimentimit dyt\u00ebsor jan\u00eb gjithashtu t\u00eb zakonshme. Sip\u00ebrmarr\u00ebsit nuk jan\u00eb n\u00eb gjendje t\u00eb shlyejn\u00eb borxhet e tyre ndaj kompanive t\u00eb sigurimit dhe p\u00ebr k\u00ebt\u00eb arsye kan\u00eb marr\u00eb kredi q\u00eb nuk kan\u00eb mundur t’i shlyejn\u00eb. <\/p>\n\n

“Arsyeja e falimentimit personal \u00ebsht\u00eb kryesisht borxhi i lart\u00eb, kur nj\u00eb person ka vler\u00ebsuar gabimisht mund\u00ebsit\u00eb e shlyerjes s\u00eb tij ose ka marr\u00eb shum\u00eb kredi n\u00eb koh\u00eb prosperiteti. Nj\u00eb arsye tjet\u00ebr \u00ebsht\u00eb se debitori nuk ka kursime q\u00eb mund t’i p\u00ebrdor\u00eb p\u00ebr t\u00eb shlyer borxhet n\u00eb rast humbjeje ose ulja e t\u00eb ardhurave. Dhe s\u00eb fundi, por jo m\u00eb pak e r\u00ebnd\u00ebsishmja, nj\u00eb humbje e t\u00eb ardhurave e shkaktuar, p\u00ebr shembull, nga papun\u00ebsia afatgjat\u00eb ose problemet sh\u00ebndet\u00ebsore gjithashtu mund ta vendos\u00eb nj\u00eb person n\u00eb falimentim.”<\/p>

– Analistja e Po\u0161tov\u00e1 banka, Jana Glasov\u00e1 <\/p><\/blockquote>\n\n

Pezullimi i p\u00ebrmbarimit t\u00eb vjet\u00ebr mund t\u00eb ndodh\u00eb n\u00ebse debitori ose kreditori ka pushuar s\u00eb ekzistuari pa pasardh\u00ebs ligjor dhe p\u00ebrmbarimi ka filluar para dat\u00ebs 1. Prill 2017. N\u00ebse kreditori \u00ebsht\u00eb nj\u00eb person fizik, nj\u00eb shoq\u00ebri ose shteti nuk \u00ebsht\u00eb vendimtar n\u00eb p\u00ebrfundimin e sekuestrimit t\u00eb vjet\u00ebr. Pezullimi i tij mund t\u00eb zbatohet edhe me propozimin e kreditorit. N\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb, n\u00eb lidhje me ndalimin e ekzekutimit t\u00eb vjet\u00ebr, ky i fundit \u00ebsht\u00eb i detyruar t\u00eb paguaj\u00eb vet\u00ebm shpenzimet fikse t\u00eb p\u00ebrmbaruesit. <\/p>\n\n

N\u00ebse do t\u00eb jet\u00eb e mundur t\u00eb p\u00ebrmbushet synimi i ligjv\u00ebn\u00ebsit p\u00ebr t’u mund\u00ebsuar debitor\u00ebve t\u00eb heqin qafe borxhet e tyre dhe n\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb t’i motivoj\u00eb ata t\u00eb b\u00ebjn\u00eb nj\u00eb jet\u00eb t\u00eb duhur, vet\u00ebm praktika e aplikimit t\u00eb gjykatave t\u00eb falimentimit do t\u00eb tregoj\u00eb se si do t’i qasen propozimeve individuale dhe gjithashtu veprimtaris\u00eb s\u00eb debitor\u00ebve. .<\/p>\n","protected":false},"excerpt":{"rendered":"

N\u00eb p\u00ebrpjekje p\u00ebr t\u00eb ulur papun\u00ebsin\u00eb ende t\u00eb lart\u00eb, shteti nga 1. Mars 2017, fal\u00eb legjislacionit t\u00eb parashikuar n\u00eb ligjin nr. 7\/2005 Kol. p\u00ebr falimentimin dhe ristrukturimin, futi rregulla t\u00eb reja t\u00eb falimentimit personal. Q\u00ebllimi i tij \u00ebsht\u00eb t’u jap\u00eb nj\u00eb shans t\u00eb dyt\u00eb atyre q\u00eb gjenden n\u00eb nj\u00eb “kurth borxhi” dhe nuk mund t\u00eb […]<\/p>\n","protected":false},"author":9,"featured_media":34123,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[454,455],"tags":[],"acf":{"facebookpost":"","popis_socialneho_obrazku":""},"yoast_head":"\nFalimentimi personal p\u00ebr nj\u00eb fillim t\u00eb ri? - Blogu Atena<\/title>\n<meta name=\"description\" content=\"Q\u00ebllimi i falimentimit personal \u00ebsht\u00eb t'u jap\u00eb nj\u00eb shans t\u00eb dyt\u00eb atyre q\u00eb gjenden n\u00eb nj\u00eb "kurth borxhi" dhe nuk mund t\u00eb dalin vet\u00eb prej tij. 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