The new Bankruptcy Code, recently voted in Parliament entitled "Code of Debt Settlement and Second Chance", αντικαθιστά όλες τις επιμέρους διατάξεις για τη ρύθμιση οφειλών, που υπάρχουν σήμερα.
Τα κυριότερα σημεία του, εντελώς επιγραμματικά, are the following:
All indebted citizens, natural and legal persons, Freelancers and entrepreneurs will now have the right to a "second chance" and the option to settle their debts to the tax authorities, the insurance funds, banks and other creditors, while protecting their first home.
Θα ισχύει από την 1η Ιανουαρίου 2021. Το νέο αυτό πλαίσιο θα αντικαταστήσει όλα τα άλλα σχετικά νομοθετήματα, δλδ την προστασία της πρώτης κατοικίας για τα υπερχρεωμένα νοικοκυριά, καθώς και τον εξωδικαστικό μηχανισμό και τον πτωχευτικό κώδικα για τους ελεύθερους επαγγελματίες
Προστατεύεται η πρώτη κατοικία και των ελευθέρων επαγγελματιών, που έχουν λάβει επιχειρηματικά δάνεια με εγγύηση τη πρώτη κατοικία.
Μπορούν να ρυθμιστούν οφειλές προς την εφορία, the EFKA, Local Government Organizations, banks and other individuals.
Η αίτηση για την εξωδικαστική ρύθμιση οφειλών, will be submitted by the debtor electronically, at the Special Secretariat for Private Debt Management, using the relevant electronic platform.
Εφόσον οι πιστωτές προβούν σε ενέργειες ρευστοποίησης της πρώτηης κατοικίας, then the State intervenes in order to avoid eviction. At the stage of liquidation by creditors, substantial state support is provided, through the creation of a private body for the acquisition of real estate, who will be selected by the State, through a competitive process. This body will be obliged to acquire the property that constitutes the 1st residence of socially vulnerable groups, which has been launched in an auction process, upon declaration of bankruptcy or enforcement. in addition to, the institution is obliged to grant the residence for use to the vulnerable household for 12 years, upon payment of rent, which will be supported by the State, in the form of rent allowance. So, an eviction is avoided, which would occur if a third party acquired the property. also, the institution is obliged to offer the debtor the possibility of repossession of the property within 12 years.
Bankruptcy is inevitably accompanied by debt relief. This process is implemented quickly, into 1 year, if the debtors lose their property, unless objections are raised to fraudulent bankruptcy or concealment of information by creditors. In exceptional cases, that the debtors have no property, then the debt relief is made to 3 years, whereupon they will have to pay the rest of their income that is left over after covering reasonable living expenses.
Ο οφειλέτης δεν χάνει την άδεια ασκήσεως επαγγέλματός του, an arrangement consistent with the general spirit of this Code, to provide a second chance to the debtor, in order to quickly return to the production process and create a post-bankruptcy estate, to get rid of his debts.
Those debtors who have at least one will not be able to join the bankruptcy code 90% their total debts to a financial institution. Αυτοί θα διαπραγματεύονται απευθείας με το συγκεκριμένο φορέα.
Αυτές οι λίγες επισημάνσεις. Καλή Δύναμη σε όλους, απέναντι στην πανδημία του κορωνοϊού. Υπομονή και προσοχή. Κι αυτό θα περάσει
