Ile razy w życiu można ogłosić upadłość konsumencką?
Odpowiedź na to pytanie nie jest łatwa, ponieważ wszystko zależy od konkretnego przypadku.
Jeżeli Sąd ogłosił Twoją upadłość i umorzył wszystkie Twoje długi to musisz pamiętać, że zasadą jest, iż ponowny wniosek o ogłoszenie Twojej upadłości konsumenckiej możesz złożyć raz na 10 lat. Tym samym możesz ogłosić upadłość konsumencką więcej niż raz w życiu.
Jeżeli Sąd oddalił Twój wniosek o ogłoszenie upadłości konsumenckiej ważne jest to, na jakiej podstawie wniosek został oddalony:
- Pierwsza sytuacja to taka w której Sąd oddalił twój wniosek o ogłoszenie upadłości konsumenckiej z powodu umyślnego działania lub rażącego niedbalstwa, które przyczyniły się do powstania zadłużenia lub jego istotnego zwiększenia się – w takiej sytuacji ponowne wniesienie wniosku do Sądu nie ma sensu, nic nie da – musisz czekać na zmianę przepisów, która ma nastąpić w tym roku – po zmianie przepisów złóż wniosek ponownie.
- Druga sytuacja to taka, w której Sąd oddalił Twój wniosek z uwagi na to, iż mając taki obowiązek nie złożyłeś w terminie wniosku o ogłoszenie upadłości (sytuacja ta dotyczy byłych przedsiębiorców), uchylono plan spłaty wierzycieli, jeżeli postępowanie zostało umorzone z innych przyczyn niż na wniosek dłużnika, czynność prawna dłużnika została prawomocnie uznana za dokonaną z pokrzywdzeniem wierzycieli – w takiej sytuacji dłużnik możesz złożyć ponowny wniosek o ogłoszenie upadłości konsumenckiej, jeżeli po oddaleniu wcześniejszego wniosku zaistnieją nowe okoliczności skutkujące pojawieniem się względów słuszności lub względów humanitarnych – np. wypadek skutkujący utratą pracy, uzyskanie orzeczenia o stopniu niepełnosprawności, czasowa niezdolność do pracy, inne zdarzenia losowe, ciężka choroba, pożar itp.
„Art. 4914. 1. Sąd oddala wniosek o ogłoszenie upadłości, jeżeli dłużnik doprowadził do swojej niewypłacalności lub istotnie zwiększył jej stopień umyślnie lub wskutek rażącego niedbalstwa.
2. Sąd oddala wniosek o ogłoszenie upadłości, jeżeli w okresie dziesięciu lat przed dniem zgłoszenia wniosku:
1) w stosunku do dłużnika prowadzono postępowanie upadłościowe według przepisów tytułu niniejszego, jeżeli postępowanie to zostało umorzone z innych przyczyn niż na wniosek dłużnika,
2) ustalony dla dłużnika plan spłaty wierzycieli uchylono na podstawie przepisu art. 49120,
3) dłużnik, mając taki obowiązek, wbrew przepisom ustawy nie zgłosił w terminie wniosku o ogłoszenie upadłości,
4) czynność prawna dłużnika została prawomocnie uznana za dokonaną z pokrzywdzeniem wierzycieli
– chyba że przeprowadzenie postępowania jest uzasadnione względami słuszności lub względami humanitarnymi.
3. Sąd oddala wniosek o ogłoszenie upadłości, jeżeli w okresie dziesięciu lat przed dniem zgłoszenia wniosku w stosunku do dłużnika prowadzono postępowanie upadłościowe, w którym umorzono całość lub część jego zobowiązań, chyba że do niewypłacalności dłużnika lub zwiększenia jej stopnia doszło pomimo dochowania przez dłużnika należytej staranności lub przeprowadzenie postępowania jest uzasadnione względami słuszności lub względami humanitarnymi.
4. Sąd oddala wniosek o ogłoszenie upadłości, jeżeli dane podane przez dłużnika we wniosku są niezgodne z prawdą lub niezupełne, chyba że niezgodność lub niezupełność nie są istotne lub przeprowadzenie postępowania jest uzasadnione względami słuszności lub względami humanitarnymi”
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