IL CONSUMATORE PUÒ ACCEDERE ALLA COMPOSIZIONE DELLA CRISI DA SOVRAINDEBITAMENTO: AL VIA DAL 18 GENNAIO 2013
13/05/2013 20.15.32

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.”

 

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