{"id":1063,"date":"2023-07-15T11:35:06","date_gmt":"2023-07-15T09:35:06","guid":{"rendered":"https:\/\/regbu.com\/?p=1063"},"modified":"2025-09-05T07:41:17","modified_gmt":"2025-09-05T05:41:17","slug":"osobni-bankrot-jako-cesta-z-dluhu","status":"publish","type":"post","link":"https:\/\/regbu.com\/ro\/personal-banking-as-a-way-out-of-debt\/","title":{"rendered":"Falimentul personal ca modalitate de a sc\u0103pa de datorii"},"content":{"rendered":"<p>Falimentul personal este una dintre modalit\u0103\u021bile legale de a sc\u0103pa de datorii. Dac\u0103 exagera\u021bi cu unele dintre <strong><a href=\"https:\/\/regbu.com\/ro\/tipuri-de-credite-invatati-despre-ele\/\">tipuri de \u00eemprumuturi<\/a><\/strong> \u0219i ave\u021bi mai multe datorii dec\u00e2t pute\u021bi rambursa, atunci intervine reducerea datoriilor. Uneori pute\u021bi vedea \u0219i termenul de faliment personal.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proceduri de insolven\u021b\u0103<\/li>\n\n\n\n<li>Rambursarea unei p\u0103r\u021bi din pasive<\/li>\n\n\n\n<li>Stoparea \u00eendator\u0103rii suplimentare<\/li>\n<\/ul>\n\n\n\n<p>Acest tip de faliment poate fi declarat doar de c\u0103tre un debitor care <em>nu este \u00een m\u0103sur\u0103 s\u0103 \u00ee\u0219i pl\u0103teasc\u0103 obliga\u021biile fa\u021b\u0103 de creditori<\/em>. Bine\u00een\u021beles, dac\u0103 dori\u021bi s\u0103 profita\u021bi de aceast\u0103 op\u021biune, nu trebuie s\u0103 ave\u021bi active semnificative. Acest lucru se datoreaz\u0103 faptului c\u0103 acesta poate fi v\u00e2ndut pentru a pl\u0103ti pasivele. Prin urmare, falimentul personal nu poate fi folosit \u00een niciun avantaj.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Falimentul personal \u0219i condi\u021biile sale<\/h2>\n\n\n\n<p>Prin urmare, totul se bazeaz\u0103 pe insolven\u021ba financiar\u0103 a debitorului. \u00cen plus, exist\u0103 o serie de alte condi\u021bii. Acestea trebuie s\u0103 fie \u00eendeplinite, \u00een caz contrar orice <strong>cerere de reducere a datoriei<\/strong> ...va nega. Dac\u0103 vre\u021bi s\u0103 \u0219ti\u021bi care sunt cerin\u021bele, citi\u021bi tabelul de mai jos.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Subiect<\/strong><\/td><td><strong>Informa\u021bii<\/strong><\/td><\/tr><tr><td>Num\u0103rul de creditori<\/td><td>Cantitate mai mare<\/td><\/tr><tr><td>Datorii<\/td><td>Cel pu\u021bin 30 de zile de \u00eent\u00e2rziere<\/td><\/tr><tr><td>Reducerea datoriilor<\/td><td>Plata a 30 de obliga\u021bii % \u00een 5 ani<\/td><\/tr><tr><td>Alternativ\u0103 la reducerea datoriei<\/td><td>R\u0103scump\u0103rarea a 60 % \u00een 3 ani<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Informa\u021bii de baz\u0103 referitoare la falimentul personal.<\/figcaption><\/figure>\n\n\n\n<p>Deoarece obliga\u021biile legislative se modific\u0103 din c\u00e2nd \u00een c\u00e2nd, aceste cifre pot varia \u00eentr-o anumit\u0103 m\u0103sur\u0103. Ceea ce este clar, \u00eens\u0103, este c\u0103, cu ajutorul falimentului personal, v\u0103 pute\u021bi cur\u0103\u021ba, pl\u0103tind doar o parte din datorii.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Alte informa\u021bii suplimentare<\/h3>\n\n\n\n<p>Trebuie remarcat faptul c\u0103 acest tip de decontare a datoriilor se adreseaz\u0103 \u00een primul r\u00e2nd persoanelor fizice, fie c\u0103 este vorba de persoane obi\u0219nuite, consumatori sau antreprenori. Nu exist\u0103 nicio excep\u021bie <strong>reducerea datoriilor matrimoniale<\/strong>care se efectueaz\u0103 \u00een mod obi\u0219nuit. Pentru a declara falimentul, totul trebuie s\u0103 fie precedat de depunerea unei cereri de autorizare a insolven\u021bei. Aceasta este \u00eencredin\u021bat\u0103 persoanelor responsabile de preg\u0103tirea ei, deoarece trebuie s\u0103 con\u021bin\u0103 elementele corespunz\u0103toare.<\/p>\n\n\n\n<p>Falimentul personal poate fi, desigur, respins. Aceasta cu condi\u021bia ca toate condi\u021biile legale s\u0103 nu fie \u00eendeplinite. Sau s\u0103 fie dovedit\u0103 inten\u021bia necinstit\u0103. \u00cen cadrul falimentului personal, debitorul se preg\u0103te\u0219te s\u0103 p\u0103streze doar nivelul minim de subzisten\u021b\u0103, iar restul merge pentru a pl\u0103ti datoriile. O parte din datorii va fi achitat\u0103 \u0219i prin v\u00e2nzarea de active.<\/p>","protected":false},"excerpt":{"rendered":"<p>Falimentul personal este una dintre modalit\u0103\u021bile legale de a sc\u0103pa de datorii. Dac\u0103 v\u0103 suprasolicita\u021bi cu anumite tipuri de \u00eemprumuturi \u0219i ajunge\u021bi s\u0103 ave\u021bi mai multe datorii dec\u00e2t pute\u021bi rambursa, aici intervine reducerea datoriilor. De asemenea, este posibil s\u0103 vede\u021bi uneori termenul de faliment personal. Acest tip de faliment poate fi declarat doar de c\u0103tre un debitor care nu-\u0219i poate pl\u0103ti creditorii. ... <\/p>","protected":false},"author":2,"featured_media":1064,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1138,665,1143,326,1140,1141,1139,1137,331,1142],"class_list":["post-1063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-bankrot","tag-dluhy","tag-dluznik","tag-finance","tag-insolvence","tag-insolvencni-rizeni","tag-oddluzeni","tag-osobni-bankrot","tag-penize","tag-veritele"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Osobn\u00ed bankrot jako cesta z\u00a0dluh\u016f - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Osobn\u00ed bankrot je jednou z mo\u017enost\u00ed, jak se oddlu\u017eit. 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