Noslēgts maksātnespējas process – sirdsmiers pašam un laimīga ģimene

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Ivo Krontāls ir noslēdzis savu 5 gadu ilgo maksātnespējas procesu un norakstījis parādu, kura summa sastādīja 220 000 latus (313 032.29 euro). Par to, kāds bija šis process, ko tas prasīja no Ivo un viņa ģimenes, lasiet zemāk:

Kā tas viss sākās?

„2006.gadā es paņēmu kredītā trīs istabu dzīvokli par 55 000 latiem, un pēc laika, piesakoties otrajam bērniņam, mēs ģimenē apsvērām domu un pieņēmām lēmumu meklēt vēl lielāku īpašumu. Mana mamma ieteicās, ka varētu nākt dzīvot uz trīs istabu dzīvokli un maksāt esošo kredītu. Savukārt mēs ar sievu un bērniem atradām jaunbūvi un paņēmām vēl vienu kredītu, lai to iegādātos. Tajā laikā kredītu bankās varēja dabūt ļoti vienkārši. 2008.gadā, pienākot krīzes laikam, mana mamma zaudēja darba vietu un vairs nevarēja nomaksāt kredītsaistības, un pārcēlās uz lauku mājām. Es paliku ar diviem īpašumiem un 800 latu (1138.30euro) ikmēneša maksājumu uz kakla. Trīs, četras reizes kritās arī mani ienākumi, kas padarīja kredīta slogu nepanesamu. Pēc vairākkārtējiem mēģinājumiem vienoties ar banku un cītīgu kredīta maksāšanu, cik tas bija iespējams nepilnus divus gadus, es pieņēmu lēmumu, konsultējoties ar Kredītņēmēju konsultāciju centra speciālistiem, par maksātnespējas procesa uzsākšanu.”

Atskats uz maksātnespējas procesu un pirmajām sajūtām

„Process ilga piecus gadus. Atskatoties uz visu šo laiku, varu teikt, ka bija viegli. Šķiet, ka sirdsmiers un apziņa, ka viss būs kārtībā iestājās, kad bija iesniegti visi nepieciešamie dokumenti maksātnespējas procesa uzsākšanai. Es un mana ģimene varējām uzelpot, jo vairāk nesaņēmām zvanus brīvdienu rītos no kreditoriem un manā pasta kastē vairāk nenāca atgādinājuma un brīdinājuma vēstules. Varējām justies kā cilvēki.”

Iedrošinājums citiem

„Es nebūt nebiju vienīgais, kam bija šādas problēmas, bet nevēlējos pamest savu ģimeni, lai brauktu uz ārzemēm un strādātu tikai tāpēc, lai varētu atdot parādus. Ir ļoti daudzi, kuri ir spiesti braukt uz ārzemēm arī tagad un strādāt, lai atdotu aizdevumus, bet vai tas ir tā vērts? Atstāt visu un strādāt vairākus gadus parāda dēļ! Latvijā ir pieejama likumīga iespēja iziet maksātnespējas procesu, un aicinu arī citus, kuriem ir šādas problēmas, izmantot šo iespēju likumīgā veidā dzēst parādus.”

Procesa izmaksas

„Kopējās parādsaistības ar visiem kavējuma procentiem sastādīja ap 220 000 latiem jeb aptuveni 313 000 euro. Personiski man, pēc īpašumu pārdošanas izsolē, šis process izmaksāja 14 euro ik mēnesi visiem kreditoriem un administratora alga, kas ir minimālā alga, piecus gadu garumā, kā arī vienreizēja valsts nodevas nomaksa procesu uzsākot.”

Vai ietu vēlreiz cauri šādam procesam?

„Ja būtu tāda situācija, tad noteikti. Lai gan likumdošana nosaka, ka tuvākos 10 gadus es nevaru uzsākt un iet maksātnespējas procesu, bet atskatoties uz pagājušo procesu, tas bija pareizs lēmums. Žēl, ka neuzsāku procesu vēl savlaicīgāk.”

Lielākais atvieglojums

„Kad izgāju procesu un iegāju interneta bankā, tad kontā redzēju nulli, kur agrāk stāvēja mīnus 150 000. Tā bija neparakstāma sajūta, ka varu sākt visu no sākuma, un tavs parāds ir likumīgi dzēsts.”

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