IL CONSUMATORE PUÒ ACCEDERE ALLA COMPOSIZIONE DELLA CRISI DA SOVRAINDEBITAMENTO: AL VIA DAL 18 GENNAIO 2013
Il consumatore in stato di sovraindebitamento può proporre, con l’ausilio degli organismi di composizione della crisi di cui all’articolo 15 della suddetta norma con sede nel circondario del tribunale competente ai sensi dell’articolo 9, comma 1, un piano che, assicurato il regolare pagamento dei titolari di crediti impignorabili ai sensi dell’articolo 545 del codice di procedura civile e delle altre disposizioni contenute in leggi speciali, preveda scadenze e modalità di pagamento dei creditori, anche se suddivisi in classi, indichi le eventuali garanzie rilasciate per l’adempimento dei debiti e le modalità per l’eventuale liquidazione dei beni. E’ possibile prevedere che i crediti muniti di privilegio, pegno o ipoteca possono non essere soddisfatti integralmente, allorchè ne sia assicurato il pagamento in misura non inferiore a quella realizzabile, in ragione della collocazione preferenziale sul ricavato in caso di liquidazione, avuto riguardo al valore di mercato attribuibile ai beni o ai diritti sui quali insiste la causa di prelazione, come attestato dagli organismi di composizione della crisi. Il 18 gennaio 2013 entrano in vigore le norme in materia di cui alla Legge 27 gennaio 2012 n. 3 con le modifiche ex D.L. 18 ottobre 2012 n. 179, convertito dalla legge 17 dicembre 2012 n. 221.
L’Associazione Primo Consumo con la responsabile del Dipartimento Servizi Finanziari e Salute, avv. Ersilia Urbano, è a disposizione dei cittadini e dei consumatori per ogni chiarimento, supporto, richiesta ed azione.
Informazioni disponibili sul sito www.primoconsumo.it compilando il modulo “richiedi assistenza” o chiamando lo sportello del consumatore al numero 0639738239, dal lunedì al venerdì dalle 16 alle 19.”
137 commenti su “SEI INDEBITATO? C’E’ UNA SOLUZIONE.”
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