Kunzwisisa Iyo Inosungirwa Kugadzirisa Maitiro Mukugadzirisa Chikwereti
Munhu ane chikwereti asisakwanise kubhadhara zvikwereti zvake zvisati zvaitika ane mashoma sarudzo. Anogona kufaira zvake bankruptcy kana kunyorera kubvumidzwa kune yepamutemo chikwereti kugadzirisa hurongwa. Mukweretesi anogona zvakare kunyorera kubhuroka kwemunhu ane chikwereti. Asati ane chikwereti asati agamuchirwa kuWSNP (Natural Persons Chikwereti Kugadziridza Mutemo), iye anozofanira kupfuura nenzira irikunakidzwa. Mukuita uku, kuyedza kunoitwa kuti usvike kugarisana zvakanaka nevose vane chikwereti. Kana mumwe kana vazhinji vanokwereta vasingabvumirani, mukweretesi anogona kukumbira dare kuti rimanikidze varikuramba kubvuma kugadzirisa.
Kugadziriswa kwekumanikidzwa
Kugadziriswa kwekumanikidzwa kunodzorwa muchinyorwa 287a Bankruptcy Act. Mukweretesi anofanira kuendesa chikumbiro chekugadzirisa kudare panguva imwe chete sechikumbiro chekubvumirwa kuWSNP. Zvadaro, vose vanoramba zvikwereti vanoshevedzwa kudare. Iwe unogona kubva wanyora kuzvidzivirira kwakanyorwa kana kuti unogona kuzvidzivirira panguva yekunzwa. Dare richaongorora kuti wakaramba zvine mutsindo here kugadzirisana kwacho. Kusaenzana kuri pakati pechido chako chekuramba uye zvido zvemukwereti kana vamwe vakweretesi vanokanganiswa nekuramba ikoko kuchatariswa.
Kana dare richifunga kuti haungakwanise kuramba kubvumirana nehurongwa hwekugadzirisa chikwereti, chikumbiro chekumisikidzwa kwemubhadharo unopihwa. Iwe unozofanirwa kubvumirana nekugadziriswa kwaunenge wapihwa uye wozofanira kubvuma muripo muripo wechikumbiro chako. Mukuwedzera, semukweretesi ari kuramba, iwe ucharayirwa kubhadhara mari yemhosva. Kana kubhadhara kwekumanikidzirwa kukasaiswa, zvinoongororwa kana mukwereti wako achigona kubvumidzwa mukugadziridzwa kwechikwereti, chero bedzi mukwereti achichengeta chikumbiro.
Iwe unofanirwa kubvumirana semukweretesi here?
Pokutangira ndekwekuti iwe unekodzero yekubhadharwa zvizere kwezvaunoda. Naizvozvo, musimboti, haufanire kubvuma kubhadhara zvishoma kana kurongeka (murunyararo).
Dare rinotora chokwadi chakasiyana nemamiriro ezvinhu mukutarisa chikumbiro. Mutongi anowanzo tarisa zvinotevera zvinhu:
- chirevo chakanyatso nyorwa uye zvakavimbika;
- chikumbiro chekugadzirisa chikwereti chakaongororwa nebato rakazvimirira uye rezvehunyanzvi (semuenzaniso, bhangi remakanzuru chikwereti);
- zvakajekeswa zvakakwana kuti kupihwa ndiko kwakanyanyisa kuti uyo ane chikwereti anofanirwa kutariswa semari anokwanisa kugadzira;
- iyo nzira yekubhuroka kana kugadzirisa chikwereti inopa imwe tarisiro kune ane chikwereti;
- imwe nzira yekubhuroka kana kugadzirisa chikwereti inopa imwe tarisiro kune anenge akweretesa: zvingangoita sei kuti anoramba mukweretesi agamuchire zvakaenzana kana kupfuura?
- zvingangoita kuti kumanikidzwa kubatana mukugadzirisa chikwereti kunokanganisa makwikwi emukweretesi;
- pane muenzaniso wezviitiko zvakafanana;
- chii chakakomba kufarira kwemukweretesi mukuteerera zvizere;
- chikamu chakadii chechikwereti chakatarwa neanoramba mukweretesi;
- anoramba mukweretesi achamira ega padivi pevamwe vakweretesi vachibvuma kugadzirisa chikwereti;
- kwaimbove nerunyararo kana kumanikidzwa kubhadhara chikwereti chisina kuitwa nemazvo. [1]
Muenzaniso unopiwa pano kuitira kujekesa kuti mutongi anoongorora sei nyaya dzakadai. Munyaya yaive pamberi peDare Repamusorosoro muDen Bosch [2], zvakaonekwa kuti kupa kwaakaitwa nemukweretesi kune vaakakweretesa pasi pekugadzirisa zvine runyararo hakwaigona kutorwa sekunyanyisa kwaaigona kutarisirwa kuti ave nemari. . Zvakanga zvakakosha kuziva kuti mukwereti aive achiri mudiki (makore makumi maviri nemashanu) uye, pamwe nekuda kwezera iro, aive, mumutemo, mukana wepamusoro wekuwana mari. Yaizokwanisawo kupedzisa kuiswa kwebasa munguva pfupi.
Mumamiriro ezvinhu akadaro, zvaifanira kutarisirwa kuti mukwereti aizokwanisa kuwana basa rinobhadharwa. Tarisiro chaiyoiyo yebasa yakanga isingabatanidzwi mugadziriro yokupedzwa kwechikwereti yakapiwa. Nekuda kweizvozvo, zvakange zvisingakwanisi kunyatsoona kuti nzira yekugadziriswa kwechikwereti chemutemo yaizopa chii maererano nemhedzisiro. Uyezve, chikwereti chemukweretesi anoramba, DUO, chakaverengera chikamu chikuru chechikwereti chose. Dare rekukwidza raive rekufunga kuti DUO yaigona kuramba zvine musoro kubvuma kugarisana kwakanaka.
Uyu muenzaniso ndewekuenzanisira chete. Paive nemimwe mamiriro ezvinhu aibatanidzwa zvakare. Kunyangwe mukweretesi angaramba kubvuma kurunyararo kugadzirisa zvinosiyana kubva pane imwe nyaya kuenda kumatare. Zvinoenderana nemaonero chaiwo uye mamiriro ezvinhu. Uri kutarisana nekumanikidzirwa kugadzirisa? Ndokumbirawo ubate mumwe wemagweta pa mutemo & Zvimwe. Vanogona kukuitira kuzvidzivirira uye kukubatsira panguva yekunzwa.
[1] Dare rekukwidza 's-Hertogenbosch 9 Chikunguru 2020, ECLI: NL: GHSHE: 2020: 2101.
[2] Dare rekukwidza 's-Hertogenbosch 12 Kubvumbi 2018, ECLI: NL: GHSHE: 2018: 1583.