Kunzwisisa Iyo Inosungirwa Kugadzirisa Maitiro Mukugadzirisa Chikwereti
Munhu ane chikwereti asingachakwanisi kubhadhara zvikwereti zvake ane sarudzo shoma. Anogona kunyorera kubhuroka kwake kana kukumbira kubvumidzwa kupinda muchirongwa chepamutemo chekugadzirisa zvikwereti. Munhu ane chikwereti anogonawo kunyorera kubhuroka kwemunhu ane chikwereti chake. Munhu ane chikwereti asati abvumidzwa kupinda muWSNP (Natural Persons Debt Restructuring Act), anofanira kuita nzira yerunyararo. Mukuita uku, kuyedza kunoitwa kuti pave nerugare nevanokwereta vese. Kana mumwe chete kana kupfuura vasina kubvumirana, munhu ane chikwereti anogona kukumbira dare kuti rimanikidze vanokwereta vanoramba kuti vabvumirane nekubhadhara chikwereti.
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, zvaitarisirwa kuti mukwereti aizokwanisa kuwana basa rinobhadharwa. Zvaitarisirwa pabasa hazvina kubatanidzwa muhurongwa hwekugadzirisa chikwereti hwakapihwa. Nekuda kweizvozvo, zvaisakwanisika kuona nemazvo kuti nzira yekugadzirisa chikwereti chepamutemo yaizopa chii maererano nemigumisiro. Uyezve, chikwereti chemukweretesi airamba, DUO, chaive chikamu chikuru chechikwereti chose. Dare repamusoro raive nepfungwa yekuti DUO inogona kuramba zvine musoro kubvumirana nechibvumirano chine rugare.
Muenzaniso uyu ndewekuenzanisira chete. Paivawo nemamwe mamiriro ezvinhu akabatanidzwa. Kana mukweretesi angaramba kubvumirana kuti nyaya yacho igadziriswe zvakanaka zvinosiyana zvichienderana nenyaya yacho. Zvinoenderana nemamiriro ezvinhu chaiwo. Uri kutarisana nedambudziko rekumanikidzwa here? Ndapota taura nemumwe wemagweta eLaw & More. Vanogona kukudzivirira uye kukubatsira panguva yekunzwa nyaya.
[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.
