О банкротстве физических лиц

С 1 июля 2015 года вступают в силу законы, касающиеся банкротства гражданина. С этого момента любой, кто имеет задолженность более 500 000 рублей и не исполняет свои обязанности по долгам, может быть признан судом банкротом. Это означает, что если вы задолжали по кредиту и платить нечем, то такая ситуация может быть разрешена по вашему заявлению или инициативе кредитора. После проведения процедуры банкротства финансовым управляющим все долги с гражданина-банкрота списываются (долги по кредиткам, по потреб. кредитам и т.п.).

С момента, как вас признали банкротом, – вы больше никому и ничего не будете должны, за исключением алиментов на детей, инвалидов и вами покалеченных. Но надо понимать, что банкротство не освобождает от долгов, а лишь помогает с помощью закона урегулировать их в части, которую вы не можете исполнить. В ходе процедуры банкротства финансовый управляющий составит план реструктуризации ваших долгов на срок в пять лет. Но если этот план не будет выполнен или его не утвердит суд, то ваше имущество, за исключением не изымаемого по закону, будет реализовано с торгов.
Необходимо отметить, что на протяжении процедуры и выполнения плана банкрот будет ограничен в выезде за границу, а все ваши действия с имуществом за предшествующие три года будут проверены и могут быть отменены. В конце банкротства на гражданина будет наложена обязанность в течение пяти лет уведомлять любого кредитора и банки, у которых он захочет взять новый заём, о том, что он был банкротом. А кроме того, на банкрота будет наложен запрет занимать руководящие должности.

Рекомендую любые действия  должника – потенциального банкрота согласовать со специалистом: адвокатом или финансовым управляющим.
Адвокатское бюро «ГиП» Жулебинский бульвар, дом 5 web: www.rusadvokat.ru тел: 8 (495) 705-59-43 (запись)
Дмитрий Владимирович
адвокат, управляющий партнёр
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