Il provvedimento del 29.04.2019 del Tribunale di Roma, Sezione Fallimentare, che ha accolto il ricorso dell’Avv. Nicholas M. Vermaaten, Consulente dell’Associazione Specializzato in materia di Sovra-indebitamento, ed in particolare nella procedura di liquidazione del patrimonio del debitore ex art. 14 ter Legge 2/2012, si pone come un primo ed importantissimo precedente in questa materia del Foro di Roma.

Il ricorso presentato dal nostro Consulente si basa sulla legge n. 3 del 27 gennaio 2012, definita “legge salva suicidi” che ha, per la prima volta, introdotto nel nostro ordinamento una procedura di esdebitazione per aiutare i c.d. sovraindebitati a far fronte ai debiti contratti affinchè agevolmente e senza troppi sacrifici riescano ad estinguirli ed, al contempo, evitare che possano essere iniziate o proseguite, in loro danno, procedure esecutive (pignoramenti immobiliari, mobiliari e presso terzi).

La procedura ha inizio con il deposito di un ricorso, presso il Tribunale del luogo in cui ha la residenza il sovraindebitato, a mezzo di un avvocato e con l’assistenza di professionista incaricato denominato Organismo di Composizione della Crisi da sovraindebitamento (c.d. OCC).

Le procedure per raggiungere alla esdebitazione sono tre:

1) il piano del consumatore

2) l’accordo di ristrutturazione dei debiti

3) la liquidazione del patrimonio.

Ebbene il recentissimo provvedimento del Tribunale di Roma ha riguardato proprio questa ultima modalità.

Il tratto più saliente del provvedimento risiede nel fatto che il Giudice ha aperto la procedura, in difformità di un orientamento restrittivo di lettura della legge, accogliendo la tesi per cui il compendio patrimoniale dalla cui liquidazione sarebbero dovute essere attinte le risorse attive da devolvere all’esintizione della posizione debitoria del sovra-indebitato, può essere rappresentato dal reddito da lavoro autonomo del ricorrente presente e futuro.

Mentre l’orientamento restrittivo anche recente (Trib. Mantova 18.06.2018 n. 43) esclude che la procedura possa avere inizio laddove non si riscontrino beni già presenti da cui attingere, il Trib. di Roma ha accolto la tesi che ammette il caso in cui il sovraindebitato sia titolare solamente di crediti presenti/futuri derivanti da lavoro anche autonomo da destinare alla liquidazione (Trib. Verona 21.12.2018).

La lettura della Legge “Salva Suicidi” data dal Tribunale di Roma da nuova linfa, con tutte le cautele del caso, ad un istituto giuridico ancora poco conosciuto ed utilizzato ma dalle enormi pontenzialità se correttamente applicato.

 

6.386 commenti su “PRIMOCONSUMO : UN AIUTO AI SOVRAINDEBITATI- ordinanza “storica” del Tribunale di Roma”

  1. Pingback: maxbet

  2. Pingback: Lawyer Staying Permit – Relax, It is Play Time! - The Trendy Things

  3. Pingback: How To vend farmland ASAP for Cash Without a Realtor - Car Battle

  4. Pingback: 2catalogs

  5. Normally I don’t learn article on blogs, however I would like to say
    that this write-up very compelled me to try and do it!

    Your writing taste has been surprised me. Thanks, very nice article.

  6. Discovering how to play Texas hold’em poker
    is not complicated and the simplicity of its guidelines,
    gameplay, and hand-ranking all contribute to the popularity of the game.

    my web page … Domingo

  7. This is the right web site for anybody who would
    like to find out about this topic. You understand
    a whole lot its almost hard to argue with you (not that I
    actually would want to…HaHa). You certainly put a fresh spin on a
    subject that has been written about for a long time.
    Excellent stuff, just wonderful!

  8. Я думаю, что это одна из самых важных информация для меня.
    И я рад, что прочитал вашу статью.
    Но хотеть отметить несколько общие моменты,
    стиль website идеальный , статьи действительноотличные : D.
    Хорошая работа, ура , пока я просматривал
    на Google что-то еще, Тем не менее Сейчас я
    здесь и просто хотел бы сказать хвала за фантастический пост
    и всесторонний трепещущий блог (я также нравится
    тема / дизайн), у меня нет времени
    пролистать все это в moment, но у меня есть добавлено в закладки это, а также включено ваше RSS-каналы, поэтому, когда у
    меня будет время, я вернусь,
    чтобы прочитать еще, Пожалуйста, продолжайте в
    том же духе превосходно b.|
    Привет ! Это мой 1-й комментарий здесь, поэтому я просто
    хотел быстро выкрикнуть и сказать вам Я по-настоящему
    наслаждаюсь перечитыванием ваших
    статей . Можете ли вы предложить какие-либо другие
    блоги / веб-сайты / форумы, которые занимаются те же топики?
    Ценю это!|
    Добрый день Я так взволнован Я нашел вашу веб-сайт , я действительно нашел вас ошибка },
    пока я исследовал на Yahoo что-то еще, В любом случае Сейчас я здесь и
    просто хотел бы сказать thanks за замечательный
    пост и всесторонний приятный блог (я также нравится тема / дизайн), у меня нет
    времени просмотреть все это в минуту
    , но у меня есть помечено книгой
    это, а также добавлено в ваше RSS-каналы, поэтому, когда у меня будет время, я
    вернусь, чтобы прочитать гораздо больше ,
    Пожалуйста, продолжайте в том же духе
    великолепно работа .|
    Поскольку администратор этого веб-сайта работает, никаких неуверенности очень
    скоро это будет общеизвестный, благодаря своему содержанию качество.|
    Я ухожу, чтобы сказать моему младшему брату, что он также должен
    нанести быстрый визит этот website на регулярной основе, чтобы получить обновлено с
    новейшей информация .|
    Hey tһere , я думаю, что у вашего веб-сайта могут возникнуть проблемы с
    совместимостью браузера. Когда я смотрю
    на ваш сайт блога в Safari , он выглядит нормально, но
    при открытии в Internet Explorer он имеет некоторое перекрытие.

    Я просто хотел быстро предупредить вас!
    Кроме этого, превосходный блог!|
    Я абсолютно любим ваш блог и считаем,
    что почти все ваш пост должен быть просто
    что Я ищу. Делаешь ли ты предложить
    приглашенным авторам писать контент доступный
    для вас ? Я бы не возражал
    публиковать пост или развивать
    большинство из темы, которые
    вы пишете в отношении здесь.
    Опять же, потрясающе weblog!|
    Превосходныйсообщение однако
    Мне было интересно , не могли бы вы написать немного больше
    по этой subject? Я был бы очень благодарен
    , если бы вы могли немного подробнее
    подробнее. Спасибо!|
    Прямо здесь правильно website для любого, кто хотел бы понять эту тему.

    Вы знаете очень много это почти трудно спорить с вами (не то,
    чтобы я лично хотел бы , чтобы …
    Ха-ха). Уou ⅽertainly придаете совершенно новый оттенок теме о
    которой было о которой писали в течение долгого времени .
    Excellent материал, просто wonderful!|
    привлекательный раздел контента.
    Я только что наткнулся на ваш блог и с большой буквы
    утверждаю, что я ցеt на самом деле пользовался аккаунтом ваших сообщений в блоге.
    Любым способом я буду подписываться на
    ваши каналы и даже я хочу, чтобы вы получали постоянный доступ fɑst .|
    Можете ли вы рассказать нам больше об этом?

    Я бы хочу узнать некоторую дополнительную информацию.|
    Оценивая обязательством , которые вы вкладываете в свой website и подробную информацию, которую вы представляете .
    Это потрясающе время от времени натыкаться на блог, который
    отличается от прежнего старого перефразированного информации.

    Замечательно читайте! Я добавил в
    закладки ваш сайт и добавляю ваши RSS-каналы в свой аккаунт Google.|
    Симпатичный части контента. Я просто наткнулся на ваш вэбблог и с большой
    буквы заявляю, что я приобретаю
    аctually любил вашим аккаунтом
    вэбблог сообщения. В любом случае я буду подписываться на ваш каналы или даже я успех вы получите
    доступ настойчиво быстро.|
    Пожалуйста, дайте мне знать, если вы ищете
    Спасибо вам за то, что поделились своей мыслями.
    Я искренне ценю ваши усилия, и
    я буду ждать ваших дальнейших отзывов
    спасибо еще раз.

    Here is my blolg post: {В Челябинске обновили схему автобусных маршрутов » Новости Челябинска – Mir74.ru главные новости сегодня

  9. Ꭰefinitely consіɗer that that you stated. Your favorite justification sеemed tto be аt the
    internet the simplesst thing to remember of. I ѕay tߋο yoս, I dеfinitely ɡet
    irked whilst folks сonsider concerns that tһey plainly don’t recognize аbout.
    Υοu managed to hit the nail ᥙpon the
    hіghest ass ԝell as defined ᧐ut thee entіre thіng with no neеd side effect , other folks ϲan take a signal.
    Wilⅼ prоbably be bаck tо get moгe. Ƭhank ʏоu

    my web page :: peloton challenges (miamibeach411.com)

  10. The transform in total nonfarm payroll employment for October was revised down by 21,000,
    from +284,000 to +263,000.

    Check out my webpage; Ardis

  11. I am not sure where you are getting your information, but good topic.
    I needs to spend some time learning much more
    or understanding more. Thanks for magnificent information I was looking for
    this information for my mission.

  12. This is the right blog for anyone who would like to understand this topic.
    You know so much its almost hard to argue with you (not that I really would want to…HaHa).
    You definitely put a new spin on a topic that has been discussed for years.
    Great stuff, just excellent!

  13. It’s really a nice and helpful piece of information. I am satisfied that you simply shared this helpful info with us.
    Please stay us up to date like this. Thank you for sharing.

  14. I am not sure where you are getting your info, but great topic.
    I needs to spend a while learning much more or understanding
    more. Thank you for great information I was looking for this
    info for my mission.

  15. Admiring the persistence you put into your site and detailed information you present.
    It’s nice to come across a blog every once in a while that isn’t the same out of date rehashed
    information. Fantastic read! I’ve saved your site and I’m including your RSS feeds to my
    Google account.

  16. The $1.337 billion prize will be paid annually oover 29 years if the winner picks the annuity selection.

    Feel free to surf to my web site … 핀볼

  17. I blog frequently and I seriously appreciate your information.
    The article has truly peaked my interest. I will take a
    note of your site and keep checking for new details about once per week.
    I subscribed to your Feed too.

  18. I like the valuable info you provide in your articles. I’ll bookmark your
    blog and check again here frequently. I am quite certain I’ll learn plenty of new stuff right here!
    Good luck for the next!

  19. The karaoke host (he was male why does everyone on this thread assume they have been all female) did not
    sing at all, just like on the Liberty.

    Visit my web-site :: bj구직

  20. I do not even know how I ended up here, but I thought this post was great.

    I don’t know who you are but certainly you’re going to a famous blogger if you are not already 😉 Cheers!

  21. You’re so awesome! I do not suppose I’ve read a single thing like that before. So nice to discover another person with a few original thoughts on this subject. Seriously.. thanks for starting this up. This website is something that’s needed on the web, someone with a little originality.

  22. Coffee scrubs or creams containkng caffeine, when you combine
    them with massage, may perhaps cut down the look of cellulite temporarily.

    My web site :: Stephen

  23. I was wondering if you ever considered changing the page layout of your blog?
    Its very well written; I love what youve got to say.
    But maybe you could a little more in the way of content so people could connect with it better.
    Youve got an awful lot of text for only having
    1 or 2 pictures. Maybe you could space it out better?

  24. Everything is very open with a precise description of the
    issues. It was truly informative. Your website is extremely helpful.

    Thank you for sharing!

  25. This design is wicked! You certainly know how
    to keep a reader amused. Between your wit and your videos,
    I was almost moved to start my own blog (well, almost…HaHa!) Great job.
    I really enjoyed what you had to say, and more than that, how you presented it.
    Too cool!

  26. That’s a distinction of 25 percentage points, with
    some regions facing a gap of extra than 50 percentage points.

    Take a look at my homepage; Ludie

  27. Job.com endeavors to be the spot exactly where you can jumpstart your prifession with a
    straightforward job search resulting in youjr dream profession path.

    My blog post; Billie

  28. Hello, I do believe your web site could be having browser compatibility issues.
    When I look at your website in Safari, it looks
    fine however, if opening in Internet Explorer, it’s got some overlapping issues.
    I just wanted to give you a quick heads up! Apart from that, great
    site!

  29. The Halloween Powerball drawing practically delivered a $1 billion treat to somebody who bought their ticket
    in Northwest Indiana.

    Also visit myy blog post: Jonnie

  30. Hi everyone, it’s my first pay a visit at this site, and
    paragraph is genuinely fruitful for me, keep up posting these posts.

  31. I do agree with all the concepts you’ve presented on your post.

    They are really convincing and will definitely work.
    Still, the posts are very short for newbies. Could you please extend them a bit from
    subsequent time? Thanks for the post.

  32. Thanks , I’ve recently been looking for info approximately this topic for a
    long time and yours is the greatest I have discovered till now.
    But, what concerning the bottom line? Are you certain about the source?

  33. Hmm it looks like your blog ate my first comment (it was
    extremely long) so I guess I’ll just sum it up what I had written and
    say, I’m thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m
    still new to the whole thing. Do you have any points for novice
    blog writers? I’d really appreciate it.

  34. Hi there friends, pleasant piece of writing and fastidious urging commented at this place, I am in fact enjoying by these.

  35. What’s up i am kavin, its my first time to commenting anyplace, when i read
    this post i thought i could also make comment due to this sensible article.

  36. Hello there, just became aware of your blog through Google, and found that it’s
    truly informative. I am going to watch out for brussels.
    I’ll be grateful if you continue this in future.
    Many people will be benefited from your writing.
    Cheers!

  37. Hi there everyone, it’s my first go to see at this site, and paragraph is in fact fruitful for me, keep up posting these articles.

  38. I got this website from my friend who told me on the topic of this site and now this time I am browsing this web site and
    reading very informative posts here.

  39. Amazing blog! Do you have any helpful hints for aspiring writers?
    I’m planning to start my own blog soon but I’m a little lost on everything.
    Would you propose starting with a free platform like WordPress or go for a paid option? There are so many choices out
    there that I’m totally overwhelmed .. Any ideas? Bless you!

  40. Thank you for the auspicious writeup. It in fact was a amusement
    account it. Look advanced to more added agreeable from
    you! However, how can we communicate?

  41. Do you mind if I quote a couple of your articles as long as I provide credit and sources back to your blog?
    My website is in the very same area of interest as yours and my visitors would definitely benefit from a lot of the information you present here.

    Please let me know if this okay with you. Thanks!

  42. Your means of describing everything in this piece of writing is truly good, every one be
    capable of simply understand it, Thanks a lot.

  43. Meanwhile, the Powerball jackpot is at $one hundred million with a cash choice of $56.7
    million, according to the Powerball web page.

    Check out my web-site … Lavon

  44. Every weekend i used to go to see this site, because i want enjoyment, for the reason that this this web page conations actually pleasant funny stuff too.

  45. That is really attention-grabbing, You’re an overly professional blogger.
    I’ve joined your feed and look forward to looking for more
    of your great post. Additionally, I’ve shared your website in my social networks

  46. My most important takeaway from this viewing of Casino is in the ttitle
    it’s noot “The Casino” or “Tangiers” or “Ace and Nicky.” It is
    just Casino.

    Here is my web blog … Drusilla

  47. This design is spectacular! You most certainly know how to
    keep a reader entertained. Between your wit and your videos, I was almost moved to
    start my own blog (well, almost…HaHa!) Fantastic job.

    I really loved what you had to say, and more than that, how
    you presented it. Too cool!

  48. Howdy! This post couldn’t be written much better! Looking through this article reminds me of my previous roommate!
    He continually kept preaching about this. I’ll send this post
    to him. Fairly certain he will have a very good read.
    I appreciate you for sharing!

  49. Hello there, I found your blog via Google whilst looking for a
    similar topic, your website came up, it seems to be good.
    I’ve bookmarked it in my google bookmarks.
    Hi there, just changed into alert to your weblog thru Google, and found that it’s
    truly informative. I’m gonna be careful for brussels. I will
    appreciate for those who continue this in future. Numerous people might be
    benefited from your writing. Cheers!

  50. whoah this weblog is wonderful i really like studying your posts.
    Stay up the great work! You know, lots of persons are
    searching around for this info, you can help them greatly.

  51. Really no matter if someone doesn’t understand afterward its up to other users that they will help, so here it occurs.

  52. What i don’t understood is in reality how you’re now not actually much more neatly-liked than you may be right now. You’re very intelligent. You know therefore considerably when it comes to this topic, produced me individually consider it from a lot of varied angles. Its like women and men aren’t fascinated unless it is something to do with Girl gaga! Your own stuffs outstanding. Always maintain it up!

  53. Good way of telling, and fastidious paragraph to
    obtain facts on the topic of my presentation subject matter, which i am
    going to present in academy.

  54. I think what you published was very logical.

    But, what about this? suppose you composed a catchier title?
    I ain’t suggesting your information is not good, however
    what if you added a title that makes people want more? I
    mean PRIMOCONSUMO : UN AIUTO AI SOVRAINDEBITATI- ordinanza "storica" del Tribunale di Roma – Primoconsumo is a little vanilla.
    You ought to peek at Yahoo’s home page and watch how they create
    post headlines to grab viewers to click. You might try adding a video or a related pic or
    two to get people interested about everything’ve written. Just my opinion, it would make your posts a little bit more interesting.

  55. Nice post. I used to be checking continuously this blog and I am inspired!
    Extremely helpful info specially the last part 🙂 I maintain such
    info much. I was seeking this certain info for a
    long time. Thank you and good luck.

  56. All types of ggambling are illegal in Thailand, except for the government-sponsored Thaai ottery and betting on horse racing at chosen racetracks.

    Also visit my web page :: Virgil

  57. Below we have some photographs exhibiting learn how to recognise if your canine is over
    or underweight. In case your dog is too skinny the ribs, spine, and
    pelvic bones are simply felt. There may be an apparent loss of muscle mass.

    Abdominal fat is minimal or completely absent. If your dog is a perfect weight their ribs,
    spine and pelvic bones ought to be simply felt however not seen. In case your dog is overweight
    or obese there will be an excess fats protecting over the ribs, spine and pelvic bones which
    means they aren’t easily felt. Waist may be diminished or not visible at all resulting from excess fats.
    There could also be excess fats deposits on the face, limbs and base of tail.
    If you’re concerned that your dog is overweight, step one you should take
    is to go and see your vet. They’ll be able to establish whether or not your dog is overweight
    as a result of an underlying medical condition, or whether it’s purely all the
    way down to an excessive amount of food! Your vet ought to then be ready that can assist you formulate
    a weight-reduction plan plan for your pooch, as well as advise you on how to increase his train without over-exerting him.

    Weight loss in canines generally is a prolonged
    course of relying on how much fat they’ve, however even small sluggish steps
    in the direction of a healthier way of life are better than the potential risks related to canine obesity.

    Does your pup want extra train? Why not use Tailster to discover a
    dog walker to place him via his paces!

  58. The two losses had been in 1995—when the San Francisco 49ers defeated the San Diego
    Chargers—and 2008—when the favored Patriots
    lost too the New York Giants, costing the books $two.5 million.

    Feel free to surf to my web pae – Heath

  59. Its like you read my mind! You appear to know so much about this,
    like you wrote the book in it or something. I think that you could do with some pics to drive the message home a little
    bit, but instead of that, this is excellent blog.
    A fantastic read. I will certainly be back.

    Here is my web-site – poker online free

  60. I am genuinely pleased to read this webpage posts which carries plenty of helpful information, thanks for providing such data.

  61. Hmm it appears like your website ate my first comment (it was extremely long) so I guess
    I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog.

    I as well am an aspiring blog blogger but I’m still new to the whole thing.
    Do you have any tips and hints for rookie blog writers?

    I’d genuinely appreciate it.

  62. Hmm is anyone else encountering problems with the
    images on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog.
    Any suggestions would be greatly appreciated.

  63. I believe people who wrote this needs true loving because it’s a blessing.

    So let me give back and give my hidden information on change your life
    and if you want to with no joke truthfully see I will share info about howto make money Don’t forget..
    I am always here for yall. Bless yall!

  64. Heya excellent website! Does running a blog like this require a massive amount work?
    I’ve no expertise in programming but I had been hoping to start my own blog in the near future.
    Anyhow, should you have any ideas or tips for new blog owners
    please share. I understand this is off topic nevertheless
    I simply had to ask. Many thanks!

  65. I like what you guys are usually up too. Such clever work and exposure!
    Keep up the fantastic works guys I’ve incorporated you guys to blogroll.

  66. Pretty nice post. I just stumbled upon your blog and wanted to mention that I have really enjoyed browsing your blog posts.
    After all I will be subscribing to your feed and I am hoping you write once more soon!

  67. whoah this blog is great i like studying your posts.
    Keep up the great work! You know, many persons are hunting round
    for this information, you could aid them greatly.

  68. I have been browsing online more than three hours today, yet I never found
    any interesting article like yours. It’s pretty worth enough for me.
    In my view, if all website owners and bloggers made good content as
    you did, the net will be much more useful than ever before.

  69. I’m gone to say to my little brother, that he should also go to see
    this website on regular basis to get updated from
    most recent reports.

  70. Greetings from Carolina! I’m bored to death at work
    so I decided to check out your website on my
    iphone during lunch break. I love the info you present
    here and can’t wait to take a look when I get home.
    I’m amazed at how quick your blog loaded on my cell phone ..
    I’m not even using WIFI, just 3G .. Anyhow, very
    good site!

  71. DraftKings created a name for itself and established a
    sterling reputation in the each day fantasy sports business.

    Here is my wweb site … Helene

  72. It’s a completely different experience than other treatment centers.
    You are treated as an adult and with respect,
    unlike some other facilities the staff are so nice and friendly and the place is well
    organized. I honestly can’t think of a single bad
    thing to say about the place or the staff.

  73. You’ve made some really good points there. I checked on the web for more info about the issue and found most people will go along with
    your views on this web site.

  74. It’s appropriate time to make a few plans for the
    long run and it is time to be happy. I’ve read this submit and if I could I wish
    to suggest you some attention-grabbing things or advice.
    Perhaps you could write subsequent articles referring to this article.
    I want to learn even more issues about it!

  75. Hi there! I could have sworn I’ve been to this blog before but after looking at a few of the articles I realized it’s new to me. Anyhow, I’m definitely pleased I found it and I’ll be bookmarking it and checking back often.

  76. Very nice post. I simply stumbled upon your blog and wanted to mention that I’ve really loved surfing around your blog posts.
    In any case I’ll be subscribing to your feed and I am hoping you write again very soon!

  77. Basketball fans from all over the world are aware that https://www.xteamshops.com/ is the spot for the
    most stylish NBA gear for all your favorite teams!
    For a more local feel, check out the latest NBA Jerseys in Nike or xteamshops.com Branded models.
    Every team is sporting official Nike NBA Jerseys as well as Nike NBA Apparel
    as well as xteamshops.com is fully stocked with the
    latest designs. If you’re looking for that perfect jersey and Hats the
    NBA store carries a wide variety, including throwback NBA jerseys for a traditional look as well as brand new Nike NBA jerseys for a fresh look.
    All the top NBA gear is on display here, which represent the top players,
    such as Luka Doncic, LeBron James, Giannis Antetokounmpo and Jayson Tatum.

  78. I was more than happy to discover this web site.
    I want to to thank you for ones time for this wonderful read!!
    I definitely enjoyed every bit of it and I have you saved as a favorite to see new
    stuff on your blog.

  79. Good day! I know this is kinda off topic but I’d figured I’d ask.
    Would you be interested in exchanging links or maybe guest
    writing a blog post or vice-versa? My blog discusses a lot of
    the same subjects as yours and I think we could greatly benefit from each other.
    If you might be interested feel free to send me an email.
    I look forward to hearing from you! Great blog by the way!