real breakthrough from a socialist economy to a market in the 90s of the last century was the law on bankruptcy of enterprises.He allowed the forms to get rid of unbearable debt literally rising up from the ashes.Of course, this violates the interests of those who owe the organization, including not always pay its debts to workers.But if the company were at least some reserves for survival, the bankruptcy does not allow him to go to the bottom, do not shut down just because time did not find the money to pay taxes or interest on bank loans.
bankruptcy law has spawned a new profession - bankruptcy or trustee in bankruptcy.And it led to the fact that the business has learned to skillfully use the tool.There was even a concept - a deliberate bankruptcy, which is punishable by law.But perhaps it never had so many tragic consequences of the bankruptcy of organizations, both in the construction industry.When the developer goes bankrupt, suffering at least a few dozen people who have entrusted him with their lot, and often, the last money.
It is therefore logical that recently there is another law - Bankruptcy builder who gives hope to participants of construction in progress.Their demands to repay the debt now being accepted by the arbitral tribunal.And people have a real chance to get into collective ownership unfinished building, and even (under certain conditions) to finish it later.The regions are now developed their own laws on the basis of changes in the federal legislation.
But perhaps the most radical may be another bankruptcy law.It is a debt write-off individuals.The boom in consumer lending has not passed unnoticed - people are used to, that you can buy without money, that almost any favorite thing can be purchased on credit.But the consequences of their decisions, they are not always able to cope.Typing loans, many find that the required payments greatly exceed their financial capabilities, and begin to hide from the bank.But if a person got into a situation without intention, he could seriously help the special law on bankruptcy.
The question is: when will the law on personal bankruptcy?The exact answer to this point can be given.At the end of 2012, the State Duma adopted the law in the first reading.The project assumes that bankruptcy can be applied to a citizen if the debt of more than 50 thousand rubles (if it is time - more than 3 months).This action takes place at the request of the debtor.In addition to the "forgiveness" of debts shall apply some sanctions - for example, will have to part with all licenses for the entrepreneur and for the next 5 years will have to report to the bank (when applying for other loans) that went bankrupt.It is assumed that this should scare unscrupulous citizens, but to be able to make ends meet for bona fide, in general, consumers.
