Fizinio asmens bankroto bylos iškėlimas : pagrindai ir jų tikslingumas

LTReikšminiai žodžiai: Bankrotas; Civilinė teisė; Fizinio asmens bankrotas; Fizinio asmens bankroto įstatymas; Nemokumas; Skola; Bankruptcy; Civil Law; Debt; Individual bankruptcy; Insolvency; Natural person bankruptcy law; The bankruptcy of a natural person.

ENPersonal bankruptcy is a procedure which allows an individual to declare bankruptcy and get a "fresh start". European Council Regulation on insolvency proceedings states that this regulation should apply to insolvency proceedings, whether the debtor is a natural person or a legal person, a trader or an individual. Bankruptcy of natural persons is not legalized in Lithuania. It may be assumed, that absence of such regulation may induce natural persons to change a centre of their main interests to other countries, where a possibility to go bankrupt exists. Nowadays, individuals have to fulfill their obligations to the creditors to the end of their life. Such a situation is unfavourable to a creditor and to a debtor as well. Bankruptcy of individuals is a socially beneficial institute, because it brings a possibility of a "new start" for a debtor, helps an individual to become a consumer again, restores solvency of a natural person and stimulates enterprise. It may be said that by a discharge of all debts property rights of creditors may be infringed, that is why it is necessary to underline the social interests, what are purported to be saved. It is proven, that according to the project of the legal act concerning bankruptcies it can be assumed that goals of the law are defined clearly enough.It is important to say that concepts of insolvency and bankruptcy in Lithuania are often identified, and it is significant to avoid doing so. The main reason of a such conclusion is the fact that concept of insolvency is understood as a one of the grounds, what have to be fulfilled to bring a civil action. This paper underlines that huge costs of an administration can be an obstacle for an individual to go bankrupt, as it is in some countries of Europe. [From the publication]

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