\nPotrivit ANPC, insolven\u0163a este acea situa\u0163ie \u00een care o persoan\u0103 nu mai dispune de banii necesari pentru a-\u015fi achita datoriile – rate bancare, impozite, restan\u0163e la asocia\u0163iile de proprietari \u015fi \u00eenregistreaz\u0103 \u00eent\u00e2rzieri de plat\u0103 mai mari de 90 de zile.<\/p>\n
\n\u201eAngaja\u0163ii Direc\u0163iei de Insolven\u0163\u0103 din cadrul ANPC ofer\u0103 consultan\u0163\u0103 gratuit\u0103 persoanelor care \u00eendeplinesc aceast\u0103 condi\u0163ie de baz\u0103 \u015fi \u00eei consiliaz\u0103 cu privire la procedura cea mai potrivit\u0103, \u00een conformitate cu situa\u0163ia \u00een care se reg\u0103sesc ace\u015ftia\u201d, arat\u0103 ANPC.<\/p>\n
\nAstfel, cet\u0103\u0163enii au la dispozi\u0163ie mai multe proceduri, printre care procedura pe baza planului de rambursare, prin lichidare de active sau procedura simplificat\u0103 de insolven\u0163\u0103.<\/p>\n
\nReprezentan\u0163ii Protec\u0163iei Consumatorilor sus\u0163in c\u0103 fiecare dintre aceste tipuri de insolven\u0163\u0103 este \u00een avantajul debitorilor deoarece, pe parcursul derul\u0103rii acestora, exist\u0103 o protec\u0163ie fa\u0163\u0103 de creditori.<\/p>\n
\nSunt suspendate execut\u0103rile silite asupra bunurilor \u015fi veniturilor, este suspendat\u0103 curgerea dob\u00e2nzilor sau a penalit\u0103\u0163ilor, este asigurat un nivel de trai rezonabil conform legisla\u0163iei \u00een vigoare – co\u015ful minim de cump\u0103r\u0103turi.<\/p>\n
\n\u201eANPC \u00eendeamn\u0103 cet\u0103\u0163enii care se confrunt\u0103 cu astfel de dificult\u0103\u0163i financiare s\u0103 se adreseze comisariatelor teritoriale de pe raza jude\u0163ului de domiciliu pentru identificarea unei solu\u0163ii a situa\u0163iei\u201d, au mai spus reprezentan\u0163ii ANPC.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Rom\u00e2nii care nu \u00ee\u015fi pot pl\u0103ti ratele vor primi, gratuit, sfaturi de la Protec\u0163ia Consumatorilor. Cei cu probleme financiare sunt sf\u0103tui\u0163i s\u0103 se adreseze comisariatelor locale pentru a g\u0103si solu\u0163ii.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[63,9757,17199],"class_list":["post-185784","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-anpc","tag-plata","tag-proceduri"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/185784","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=185784"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/185784\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=185784"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=185784"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=185784"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}