108JAKIE SĄ KOSZTY POSTĘPOWANIA UPADŁOŚCIOWEGO I CZY STAĆ CIE NA NIĄ, CZY UPADŁOŚĆ KONSUMENCKA JEST TYLKO DLA BOGATYCH?
Wiele osób, które zastanawiają się nad upadłością konsumencką pyta mnie jaki jest koszt takiego postępowania i czy jest możliwość zwolnienia od tych kosztów.
Klienci naszej kancelarii obawiają się, że są to duże koszty, na których pokrycie nie będzie ich stać, zatem jaki jest koszt ?.
Przed udzieleniem odpowiedzi na te pytania należy wyjaśnić, iż KOSZTY POSTĘPOWANIA to wszystkie należności niezbędne do celowego i prawidłowego przeprowadzenia postępowania upadłościowego.
Dwie fazy postępowania upadłościowego pozwalają na rozróżnienie dwóch rodzajów kosztów:
1. Koszty postępowania w przedmiocie ogłoszenia upadłości konsumenckiej.
- opłata sądowa od wniosku w kwocie 30 złotych – gdy nie stać cię na jej uiszczenie możesz złożyć do Sądu wniosek o zwolnienie od kosztów sądowych
- koszty ewentualnych opinii biegłego – gdy nie stać cię na jej uiszczenie możesz złożyć do Sądu wniosek o zwolnienie od kosztów sądowych
- koszty prawnika (średnio od 1000 złotych do 3000 złotych w zależności od stopnia skomplikowania sprawy, ilości wierzycieli, kwoty zadłużenia, czasu trwania postępowania, wniosków dowodowych) – gdy nie stać cię na prawnika to możesz złożyć do Sądu wniosek o pełnomocnika z urzędu – w naszej kancelarii pomagamy w napisaniu takiego wniosku oraz umożliwiamy płatność w dogodnych ratach.
Średni koszt postępowania w przedmiocie ogłoszenia upadłości konsumenckiej oscyluje w granicach od 30 złotych do 3.000 złotych.
2. Koszty postępowania po ogłoszeniu upadłości.
- wynagrodzenie syndyka, który nie może zarobić mniej niż jedną czwartą przeciętnego miesięcznego wynagrodzenia w sektorze przedsiębiorstw oraz więcej niż jego dwukrotność, a w wyjątkowych sytuacjach, kiedy postępowanie jest skomplikowane lub syndyk ma do czynienia z wieloma wierzycielami, sąd może podnieść jego uposażenie do czterokrotności przeciętnego miesięcznego wynagrodzenia – w przypadku, gdy majątek niewypłacalnego dłużnika nie wystarcza na pokrycie kosztów postępowania albo w masie upadłości brak jest płynnych funduszów na ich pokrycie, koszty te pokrywa tymczasowo Skarb Państwa.
Średni koszt postępowania po ogłoszeniu upadłości konsumenckiej oscyluje w granicach od 3.000 złotych do 5.000 złotych. Przy czym wcale nie musisz dysponować takimi środkami, aby móc złożyć wniosek o ogłoszenie upadłości konsumenckiej. Co więcej możesz nie posiadać żadnego majątku, gdyż koszty te tymczasowo pokrywa Skarb Państwa.
Zgodnie z przepisami ustawy gdy do masy upadłości nie wpłyną środki pozwalające na zwrot Skarbowi Państwa pokrytych kosztów postępowania, do ich zwrotu w pełnej wysokości zobowiązany będziesz ty (upadły) w ramach planu spłaty wierzycieli. W przypadku gdy Sąd umorzy twoje zobowiązania bez ustalenia planu spłaty wierzycieli umorzone zostaną również pokryte przez Skarb Państwa koszty postępowania upadłościowego – ma to miejsce wtedy, gdy twoja osobista sytuacja wskazuje, że nie jesteś i nie byłbyś zdolny do dokonania jakichkolwiek spłat w ramach planu spłaty.
Podsumowując wskazuję, iż koszty postępowania są często niewielkie, i można je znacznie ograniczyć w zależności od tego czy korzystamy z pomocy prawnika czy prowadzimy sprawę samodzielnie oraz od tego czy posiadamy wartościowy majątek i od tego czy otrzymujemy wysoką rentę, emeryturę, wynagrodzenie za pracę, bo gdy Sąd umorzy twoje zobowiązania bez ustalania planu spłaty to umorzone zostaną również koszty postępowania upadłościowego, tym samym koszt całego postępowania może oscylować od 0 złotych do 2000 złotych w zależności od tego, czy zdecydujesz się na pomoc prawnika, zatem upadłość konsumencka jest nie tylko dla bogatych.
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