As borrowers who have difficulty in paying a loan, do not become a victim of fraud , Having lost not only a U.S. $ 6000 , but the most valuable - time. Of time during which to restructure the loan, translate it into another currency , or to find a more effective and legitimate way to reduce liabilities.
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Over the last quarter of the Internet began to emerge many articles which explains how borrowers who are unable to make payments on a mortgage or car loan, can eliminate of obligations, with no remaining debt to the bank. The authors These articles are employees of the little-known organizations - the Association of Experts Media and Law (Chairman Oleg Deineka, TV) and the Advisory Centre for bankruptcy (CEO Anatoly Rodzinsky). These gentlemen have proposed a scheme to get rid of loan commitments: 1. Borrower - the individual is registered as an entrepreneur. 2. During the his short-lived economic activity occurs (in fact, artificially created) debt in the correct size (from 187, 5 thousand hryvnia). 3. Entrepreneur apply to the court a statement of acceptance of its bankruptcy. 4. Economic court imposes a lien on the property entrepreneur who recognizes him bankrupt and opens the liquidation procedure, which is notify all the creditors. During the liquidation procedure of bankrupt all property is sold. Debts including the bank shall be canceled. The remaining amount is recognized hopeless debt and written off. 5. Life is an entrepreneur, and accordingly the former borrower begins "from scratch", but not completely satisfied bank can only properly reflect arrears in accounting and tax account and minimize taxes. Legal analysis of the scheme and legal justification for the impossibility of its realization in practice have been published previously. Back to the topic led me to a massive information attack, scheme by the developer. It got to the ridiculous - a call bankrupt performed by TV host-rapper can be heard in the last song Ukrainian pop artists. The leitmotif of the entire PR-campaign for bankruptcy - come to us, dear borrowers - we will go bankrupt and get rid not only of the "extra" apartment, but also burdensome loans. Recently, hard to find Internet Resource's financial profile, which would not have been posted an article about the "benefits" of bankruptcy. And the consultant performs the same person - Director General of the Advisory Centre for bankruptcy Anatoly Rodzinsky (a law student at the Kharkov Pedagogical University Press). Hence a natural question arises - or Ukrainian practice Lawyers are so behind the modern student (since it does not offer similar services), or those same students have implemented the scheme, "thanks" to which tens of or hundreds of borrowers at risk of becoming not only more than U.S. $ 6,000 (cost of service students), but the most valuable - time? Time during which could be restructured loan, transfer him to another currency, or to find any more effective and legitimate way to reduce liabilities (as a result of negotiations with the creditor bank, in full compliance with current legislation). The author does not call for borrowers stranded without recourse to the "specialists Bankruptcy "- this is the right of every person. However, before you give $ 6,000 to people who do not even have a higher legal education, it is strongly Council to examine all possible risks. Do not be amiss to refer to two - practicing three (!) lawyers to determine their future strategy action. I propose to assess the possible risks based solely on published by Messrs. Rodzinsky Deineka and information. 1. Will the qualifications of "experts on bankruptcy" effectively defend your interests in the creditor bank, court and other state. bodies? Open source is known, that Anatoly Rodzinsky - law student. As well as TV host Oleg Deineka. Led by their team of lawyers "involved in bankruptcy since 2002." "With the help of lawyers from the Center for loans has freed more than 100 borrowers banks. " It is noteworthy that numerous requests for judicial decisions on these matters (of course, without the names of bankrupts and others personal data) - they refer to a decision on one single (!!!) case. This refers to the Resolution of the Economic Court of Kharkov Region from 23.12.2008 on case number B-39/189-08, left unchanged during the appeal of CJSC "Alfa-Bank" Resolution of the Supreme Economic Court of Ukraine from 17.03.2009 years. For these figures and dates lies entirely trivial matter of bankruptcy. Namely - Bankrupt it was recognized as an entrepreneur. Its failure was due to the inability service loans taken for business development (purchase of commercial Real estate and equipment) and the status of the CPA. During the Internet conference Anatoly Rodzinsky readers THREE (!) Once asked to publish specific judgments (or links to them in the registry of court decisions). Result - A reference to one and the same (!) Solution! Do not bother anyone so mysterious? 2. Many borrowers can draw the relative simplicity of the proposed scheme bankruptcy. But are all so smoothly, according to "experts on bankruptcy"? Law students have given hope to tens of thousands of borrowers avoid payment of credit, operating concepts such as "friend-SAP," "friend of Arbitration manager, liquidator, "" friend "expert appraiser. This raises a question. And do not fall apart like a house of cards, this scheme, if the court will appoint "Not the" trustee? Whether the borrower will win, if after several years of regular payments on the mortgage assets it buys are not "familiar" and the employee bank or some other knowledgeable person. Agree, it is naive to believe that no one will qualify for an apartment or a car, exercisable for 20% the market value! With an enviable first-year persistence lawyer, quoting advantageous for him the rule of law and without analyzing the whole situation, "chairman of the Association "teaches readers how to deprive the bank money. Recalling that according to law, the claims of creditors secured by a pledge being met only in third place (Article 49 of the Law of Ukraine "On restoration of solvency debtor or declaring it bankrupt "), a journalist offers to send them payments on the first and second turns. Let me remind you first met claims arising from injury to life and health, child support, as well as various social payments (for pension insurance). I do not offer whether the journalist beat someone "familiar" and then pay him compensation ("An old friend" - if only the bank could get them) ... A journalist offers scheme of "fictitious" bankruptcy, forgot to mention that according to paragraph 11 of Art. 17 of the Law of Ukraine "On the reconstruction of the debtor's solvency or recognition bankrupt "contract entered into by the debtor with the stakeholders in which creditors are caused or may be caused by loss can be recognized by the economic court as invalid. Anatoly Rodzinsky during the Internet conference, as it were accidentally "forgot" to mention one important fact. He argues that "the completion of Pislya rozrahunkiv s creditors in protseduri bankrutstva borzhnik zvilnyaєtsya vid out vikonannya vimog kreditoriv pidstavi in
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