Aktuālie Maksātnespējas likuma grozījumi, kas stāsies spēkā šī gada 1. martā (24.02.2015.)

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Šī gada 19. februārī Saeima otrajā galīgajā lasījumā kā steidzamus atbalstīja grozījumus Maksātnespējas likumā, tādējādi mainot to, ko 2014. gada 6. oktobrī jau bija apstiprinājis Valsts prezidents Andris Bērziņš. Pēdējā brīdī likumā iekļautas jaunas normas, kuras stāsies spēkā šī gada 1. martā.

Starp būtiskākajām ar likuma grozījumiem ieviestajām izmaiņām ir „nolikto atslēgu” princips un saistību dzēšanas procedūras termiņi.

„Nolikto atslēgu” princips būs kā izvēles iespēja

Tā dēvētais „nolikto atslēgu” princips tagad ir ietverts patērētāju tiesību aizsardzības regulējumā un izslēgts no maksātnespējas regulējuma, padarot šo principu par izvēles iespēju kredītņēmējam. Regulējums paredz, ka bankām par nekustamā īpašuma iegādi obligāti būs jāpiedāvā kredītņēmējiem divi dažādi kredīta līgumi, no kuriem vienam jābūt ar „nolikto atslēgu” principu. Šāda kārtība attieksies uz hipotekārajiem kredītiem, kurus bankas izsniegs pēc 2015. gada 1. marta. Uz tiem, kas maksātnespējas procesu būs uzsākuši līdz 2015. gada 1. martam, šis princips neattieksies.

Tiek ieviests ģimenes bankrots

Ģimenes bankrots paredz to, ka visi pirmās pakāpes radinieki (māsas, brāļi, vecāki, bērni, sieva, vīrs), uzsākot maksātnespējas procesu pēc 2015. gada 1. marta, varēs šo procesu iziet kopā. Finansiālās grūtībās nonākušām ģimenēm šī likuma norma atvieglos maksātnespējas procesa iziešanu – ģimenei būs nepieciešams tikai viens maksātnespējas administrators un arī valsts nodeva būs jāmaksā viena visiem kopā. Lai varētu uzsākt kopīgu maksātnespējas procesu, abiem no ģimenes ir jābūt pazīmēm, kas liecina, ka ir iestājušās parādsaistībās.

Zemāks maksātnespējas procesa uzsākšanas slieksnis

Uz šo brīdi pirmais maksātnespējas procesa uzsākšanas slieksnis fiziskām personām ir 7 140 EUR, bet, sākot ar jauno gadu, šis slieksnis būs 5 000 EUR. Otrs variants ir gadījumā, ja var pierādīt, ka parādsaistības iestāsies tuvāko gadu laikā – tad maksātnespējas procesa uzsākšanas slieksnis būs 10 000 EUR. Šis pēdējais variants gan tiek izmantots ļoti reti, jo lielākoties maksātnespējas procesi tiek uzsākti, kad fiziskai personai jau ir iestājušās parādsaistībās.

Izmaiņas maksātnespējas procesa atteikšanas kārtībā

Ir zināmi gadījumi, kad tiesā tiek noraidīts maksātnespējas pieteikums, pamatojot atteikumu ar pieņēmumu, ka 30% no aizņemtās naudas līdzekļiem kredītņēmējs ir izlietojis neatbilstoši mērķim. Ar 1. martu likumā stāsies spēkā izmaiņas, kas paredz, ka maksātnespējas pieteikumu varēs atteikt tikai tajos gadījumos, kad ar tiesas lēmumu būs pierādīts, ka šie 30% tik tiešām ir izlietoti neatbilstoši mērķim. Ja šāda tiesas lēmums nav, tad, sākot ar jauno gadu, arī tie, kas būs iztērējuši vairāk – kaut 31% vai 50%, būs visas iespējas uzsākt maksātnespējas procesu.

Izmaiņas saistību dzēšanas procedūras termiņos

Būtiskas un ļoti nozīmīgas izmaiņas, kas attieksies ne tikai uz jaunajiem maksātnespējas procesiem, bet arī uz jau uzsāktajiem, ir fiziskās personas parādsaistību dzēšanas procedūras termiņa samazināšana. Ar 1. martu stāsies spēkā regulējums, kas paredz, ka saistību dzēšanas termiņš no saistību dzēšanas procedūras pasludināšanas dienas būs viens gads, ja parādnieka kopējās saistības pēc bankrota procedūras pabeigšanas nepārsniegs 30 000 EUR; divi gadi, ja saistības būs līdz 150 000 EUR un trīs gadi, ja saistības pārsniegs 150 000 EUR.

Uzzini, kuri deputāti bija PAR un kuri PRET parādsaistību dzēšanas procedūras termiņa samazināšanu ŠEIT!

Svarīga informācija tiem, kas jau ir uzsākuši fiziskās personas maksātnespējas procesu!

Arī tiem, kas jau ir uzsākuši maksātnespējas procesu, ir iespēja pāriet uz jauno samazināto saistību dzēšanas procedūras termiņu. Lai fiziskas personas samazinātu saistību dzēšanas procedūras termiņu, 90 dienu laikā, kopš likuma stāšanās spēkā (2015. gada 1. marts) jāiesniedz tiesā saistību dzēšanas plāna grozījumi. Būtiski nenokavēt šo termiņu, jo citas iespējas pāriet uz samazināto procesa termiņu nebūs.

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