האם תיתכן הפחתת חוב לחייב גם ללא הסכמת הנושים?

דף הבית » האם תיתכן הפחתת חוב לחייב גם ללא הסכמת הנושים?

אחד היתרונות הקיימים בחוק חדלות פירעון שנכנס לתוקפו בספטמבר 2019, מצוי בסעיף 324 המסמיך את שופט בית משפט לאשר הסדר נושים גם אם לא הושג רוב התומך בהסדר – כפי שהיה נדרש בחוק הישן.

עד לכניסתו לתוקף של החוק החדש היה ניתן להגיע להסדר נושים בהתקיים שני תנאים מצטברים:

רוב הנושים (מעל 50%) מסכימים להצעה.
קיומה של הסכמה על רוב חובות הנשייה – דהיינו מעל ל-75% מגובה החובות המאושרים.

תנאים אלו אפשרו לנושים למנוע הסדר משיקולים שונים וזאת תוך הפעלת לחץ על החייב ע"מ שישפר את הצעתו, ביודעם שהם אלו שיכריעו ברצונם את ההסדר וברצונם ימנעו זאת ויגרמו לחייב לפנות להליכי פשיטת רגל.
החוק החדש קובע שגם אם הנושים אינם מסכימים לאשר את ההסדר, שמורה לבית המשפט האפשרות לאשר אותו בתנאי שהשופט ייווכח לדעת כי הצעת החייב מיטיבה עם הנושים והחזר החוב המוצע בהסדר, גבוה יותר מהחזר החוב שאותו היה החייב משלם בהליך של חדלות פירעון.

מדוע בעצם להציע לחייב ללכת להסדר נושים במקום להליך של חדלות פירעון ושיקום כלכלי אם בסופו של יום החייב ישלם יותר לנושים?

יש לכך שתי סיבות עיקריות:

מעוניינים להגיע להסדר מהיר מבלי להיכנס להליך פשיטת רגל שלכל הפחות ימשך 4 שנים תוך הגבלות והשלכות לא פשוטות.
ישנם חייבים שכניסתם להליך חדלות פירעון תגרום לשלילת רישיונם המקצועי. כך למשל עו"ד, רו"ח, שמאי מקרקעין, מתווך דירות ובעלי מקצוע נוספים שהחוק מצא לנכון לפגוע בפרנסתם ולמנוע מהם גם לשלם את החובות אם ייכנסו להליך של חדלות פירעון.

על מנת לשכנע שופט לאשר הסדר חוב, גם אם הנושים אינם נותנים את הסכמתם , יש להתייעץ עם עו"ד ותיק ומנוסה על מנת למצוא את הדרך הרצויה לקבלת הסדר נושים בסכום אותו מציע החייב.

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האם תיתכן הפחתת חוב לחייב גם ללא הסכמת הנושים?

עד לכניסתו לתוקף של החוק החדש היה ניתן להגיע להסדר נושים בהתקיים שני תנאים מצטברים:

מדוע בעצם להציע לחייב ללכת להסדר נושים במקום להליך של חדלות פירעון ושיקום כלכלי אם בסופו של יום החייב ישלם יותר לנושים?

האם תיתכן הפחתת חוב לחייב גם ללא הסכמת הנושים?

ניתן לבטל חשבון בנק מוגבל בתקופת חירום, מלחמה

הפטר חוב מזונות בפשיטת רגל

האם כספים שהתקבלו בגין תביעת לשון הרע שייכים לנושים?

עמודי האתר

מידע נוסף באתר

צרו איתי קשר

הינכם מוזמנים ליצור עימי קשר בדרכים הבאות

או השאירו מספר טלפון ואחזור אליכם בהקדם