Komu opłaca się składać wniosek o upadłość konsumencką?
Wniosek opłaca się składać osobom niewypłacalnym, w tym m.in.:
1. osobom nie posiadającym majątku,
2. osobom bez własnościowego mieszkania,
3. osobom posiadającym mieszkanie ADM, albo mieszkanie socjalne.
Zalety upadłości konsumenckiej to:
- Umorzenie wszystkich wszczętych wobec Ciebie przez Komorników postępowań egzekucyjnych.
- Zawieszenie wszystkich trwających postępowań sądowych.
- CAŁKOWITE ODDŁUŻENIE I NOWY START BEZ DŁUGÓW, bądź ustalenie planu spłaty wierzycieli – podstawowy cel upadłości to oddłużenie upadłego – umorzenie zobowiązań, ale Sąd może zdecydować o ustaleniu planu spłaty wierzycieli.
- Koniec telefonów od windykatorów (cała korespondencja kierowana do Ciebie przychodzi do Syndyka).
- Niskie koszty – OPŁATA opłata sadowa od wniosku wynosi zaledwie 30 złotych, a koszty postępowania pokrywa tymczasowo Skarb Państwa.
- Wstrzymane jest naliczanie odsetek ustawowych.
- Koniec kosztów komorniczych.
Wady upadłości konsumenckiej to:
- Utrata majątku (oprócz przedmiotów użytku codziennego, sprzętu agd itp.).
- Nie wszystkie długi podlegają umorzeniu.
- Czasami długi czas trwania postępowania.
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