Kukhazikitsidwa kokakamira: Kuvomereza kapena kuvomereza?

Wobwereketsa yemwe samatha kulipira ngongole zake zomwe ali nazo ali ndi zosankha zingapo. Amatha kujambulitsa yakeyake bankruptcy kapena pemphani kuloledwa kubungwe lokhazikitsidwa mwalamulo lokonzanso ngongole yanu. Wobwereketsa amathanso kulembetsa kuti bankirapuse yake ithe. Wobwereketsa asanavomerezedwe ku WSNP (Natural Persons Debt Restructuring Act), adzayenera kuchita zinthu mwamtendere. Pochita izi, akuyesayesa kuti athe kukhazikitsa mgwirizano mwamtendere ndi onse omwe amabweza ngongole. Ngati m'modzi kapena angapo omwe ali ndi ngongole sakugwirizana, wobwereketsayo atha kufunsa khothi kuti likakamize omwe akukana kuvomera kubweza ngongoleyo.

Kukhazikika mokakamizidwa

Kukhazikitsidwa kokakamizidwa kumayendetsedwa mu Article 287a Bankruptcy Act. Wobwereketsa ayenera kupereka pempho loti akakamiridwe kukhothi nthawi yomweyo ndi pempho lololedwa ku WSNP. Pambuyo pake, onse omwe akukana ngongole amaitanidwa kuti akamve. Mutha kuperekanso kalata yodzitchinjiriza kapena kuti mudzapereke chitetezo mukamamvera. Khothi liziwunika ngati mukadakhala kuti mwakana kukhazikitsidwa mwamtendere. Kusiyanitsa pakati pa chidwi chanu chokana ndi zofuna za wobwereketsa kapena ena omwe adakongola ngongoleyo akukanidwa. Ngati khothi likuganiza kuti simukadatha kuvomereza kubweza ngongoleyo, pempholo lingaperekedwe mokakamizidwa. Muyenera kuvomereza kubweza komwe mwapatsidwako ndipo mudzayenera kuvomereza pang'ono pempho lanu. Kuphatikiza apo, monga wobwereketsa yemwe akukana, mudzalamulidwa kuti mulipire zomwe zikuchitika. Ngati kukakamizidwa sikukakamizidwa, kuyesedwa ngati ngongole yanu ingavomerezedwe pakubwezeretsanso ngongole, bola ngati wobwerekedwayo asunge pempholo.

Kukhazikitsidwa kokakamira: Kuvomereza kapena kuvomereza?

Kodi muyenera kuvomereza ngati wobwereketsa?

Poyambira ndikuti muli ndi ufulu wolipira ngongole yanu yonse. Chifukwa chake, simukuyenera kuvomereza kulipira pang'ono kapena njira yolipira (mwamtendere).

Khothi ligamula zakusiyanasiyana ndi zochitika poganizira pempholo. Woweruzayo nthawi zambiri amawunika izi:

  • pempholi lidalembedwa bwino komanso molondola;
  • malingaliro okonzanso ngongole adayesedwa ndi chipani chodziyimira pawokha komanso katswiri (mwachitsanzo, banki yobwereketsa ngongole);
  • zafotokozedweratu mokwanira kuti mwayiwu ndiwowopsa kotero kuti wamangawa amayenera kuonedwa ngati wokhoza pachuma;
  • kubweza ngongole kapena kukonzanso ngongole kumapereka mwayi kwa wobwereketsa;
  • Kusintha kwa bankirapuse kapena kukonzanso ngongole kumapereka chiyembekezo kwa wobwereketsa: zingatheke bwanji kuti wokana ngongoleyo alandila ndalama zomwezo kapena zochulukirapo?
  • zikuwoneka kuti mgwirizano wokakamizidwa pakubweza ngongole umasokoneza mpikisano wa wobwereketsa;
  • pali zitsanzo zamilandu yofananira;
  • what is the seriousness of the creditor’s financial interest in full compliance;
  • kuchuluka kwa ngongole yonse yomwe owerengera amakana;
  • wobwereketsa yemwe akukana adzaima payekhapayekha ndi ena onse omwe adalandira ngongole kuvomera kubweza ngongole;
  • pakhala pali ngongole mwamtendere kapena mokakamizidwa zomwe sizinachitike moyenera. [1]

Chitsanzo chaperekedwa apa kuti afotokozere bwino momwe woweruzayo amawunikira milandu ngati imeneyi. Mlandu womwe udaperekedwa ku Khothi Lalikulu ku Den Bosch [2], zidaganiziridwa kuti mwayi woperekedwa ndi wobwereketsa kwa omwe adamupatsa ngongole pansi pamtendere sungayesedwe ngati wopitilira muyeso womwe amayembekezeredwa kuti akhale wokhoza pachuma . Zinali zofunikira kuzindikira kuti wamangawayo anali akadali wachichepere (zaka 25) ndipo, mwina chifukwa cha msinkhuwo, anali ndi mwayi wopeza ndalama zambiri. Ikhozanso kumaliza kumaliza ntchito kwakanthawi kochepa. Zikatere, amayembekezeredwa kuti wobwereketsayo apeza ntchito yolipidwa. Zoyembekeza zenizeni pantchito sizinaphatikizidwe pakubweza ngongole zomwe zidaperekedwa. Zotsatira zake, sikunali kotheka kudziwa bwino momwe njira yokhazikitsira ngongole mwalamulo ikuperekera malinga ndi zotsatira. Kuphatikiza apo, ngongole ya yemwe adakana, DUO, idakhala gawo lalikulu la ngongole yonse. Khothi la apilo linali ndi lingaliro loti DUO itha kukana kuvomerezana kukhazikitsidwe mwamtendere.

Chitsanzo ichi ndi chongofotokozera chabe. Panali zochitika zina zomwe zidakhudzidwanso. Kaya wobwereketsayo angakane kuvomereza nawo mwamtendere zimasiyanasiyana pamlanduwo. Zimatengera zenizeni ndi momwe zinthu zilili. Kodi mukumana ndi vuto lokakamizidwa? Chonde nditumizireni m'modzi mwa maloya ku Law & More. Atha kudzitchinjiriza ndi kukuthandizani pakumvera.

[1] Court of Appeal ‘s-Hertogenbosch 9 July 2020, ECLI:NL:GHSHE:2020:2101.

[2] Court of Appeal ‘s-Hertogenbosch 12 April 2018, ECLI:NL:GHSHE:2018:1583.

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