Вопрос: «Долги по банковским кредитам. Возможно ли списание?»





Вопрос: «Подскажите пожалуйста по такой ситуации. 10 лет назад набрал кучу кредитов, машину и тд. Потом грянул кризис, фирма банкрот, платить нечем было. Пришлось выйти из системы и начать альтернативную жизнь, не зависящую от наличия банковских счетов. 8 лет назад сделал последний платеж по банковским кредитам. С 2008г платежей небыло, судебные исполнители арестовали счета, выставляли какие-то требования, но никакой реакции на судебных приставов в течении 8 лет небыло, никаких уведомлений от них не принимал и не подписывал. Собственно вопрос такой. Если неуплачен полицейский штраф, через 3 года он аннулируются. Работает ли такая схема по отношению к банковским кредитам и другим финансовым долгам частным структурам? Или же срока давности по кредитам нету и если захочется вернуться в систему и начать жить по правилам, платить придется в любом случае, даже через 10-20-30 лет после судебного решения?»




Ответ: «С момента возникновения востребования судебным исполнителем, через 10 лет можно требовать от судебного исполнителя аннулирования требования по истечению срока давности. кредит не кредит разницы не имеет это всё называется и является денежным требованием. В этом смысле если требования к вам от банка прошли уже суд и на востребовании у судебного исполнителя то просто идет отсчет к сроку давности. Ну а если он будет превышен, то по закону вы сразу же можете требовать устранение просроченных требований по взысканию. Полицейский штраф если не уплачен то очень быстро также востребуется через суд, после суда судебный испонитель, а там также до срока истечения. В этом смысле да, вы можете избавится полностью от всех долгов и начать все с чистого листа, законом этом все и предусмотрено. Подробнее вам расскажет черно по белому закон.
Tsiviilseadustik статьи 146 и 149 в десятой главе, второй части.
коротко в 146 о том что срок в 3 года, с момента возникновения требования, аля вам выставили счет и вы случайно не оплатили и уведомлений не получали, никто в суд на вас не подавал, а потом через 3 года приходит и показывает счет, тогда вы и указываете на 146 статью, и расходитесь.
NB! если же вы получали уведомления, и намеренно не платили, то в таком случае суд начнет с вас востребование и срок также будет 10 лет. коротко в 149 статье говорится о 10 годах, в случае возникновения востребования, востребование и возникает решением суда, когда судебный исполнитель арестовывает счета, и в налоговой у вас счет в минусе.» https://www.riigiteataja.ee/akt/112032015106

Источник: arif.ee

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