{"id":4706,"date":"2015-09-25T17:20:06","date_gmt":"2015-09-25T14:20:06","guid":{"rendered":"https:\/\/www.arb.ro\/?p=4706"},"modified":"2025-10-08T15:28:00","modified_gmt":"2025-10-08T12:28:00","slug":"procedura-insolventei-personale-la-inceput-de-drum","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/procedura-insolventei-personale-la-inceput-de-drum\/","title":{"rendered":"Procedura insolven\u0163ei personale la \u00eenceput de drum"},"content":{"rendered":"
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Good-faith debtors who are in financial difficulty can opt for the instituting of a collective procedure to recover their financial situation by debt settlement and, in certain cases, even with them keeping the assets, in conformity with Law no. 151\/2015 on personal insolvency procedures. The banking community from Romania has reiterated that the bringing forward of the date of the coming into force of Law no. 151\/2015 on personal insolvency procedures is necessary. Initially, the law was to come into force starting with 26 December 2015, but it was delayed by one year. Meanwhile, the authorities have contemplated the bringing forward of the date of the law on personal insolvency\u2019s coming into force.<\/p>

The major advantage of the law on personal insolvency procedures compared to the law on the debt discharge pertains to the fact that after insolvency, the goodfaith debtor, a natural person, can keep possession of the immovable asset pledged as collateral for the loan he\/she applied for, while the debt discharge means the loss of the family residence\/ land.<\/p>

In the insolvency procedure, the foreclosure is suspended and the interest\/ penalty calculation is stopped. During the entire insolvency procedure, the customer has available amounts that provide a reasonable living standard for the debtor and his\/her family, these levels being set by the Insolvency Commission or by the liquidator.<\/p>

The personal insolvency law sets forth the coverage of the debtors\u2019 debts as much as possible, and it applies only to good-faith customers, natural persons, who are in financial difficulty and not to the customers who can pay but do not want to pay any longer.<\/p>

The forms of the insolvency procedures applicable to the debtors holding traceable goods and revenues are the insolvency procedure based on a debt repayment plan and the insolvency procedure based on the liquidation of assets. The simplified insolvency procedure applies to the debtors who have no traceable goods and revenues and the total amount of their obligations stands at most 10 monthly minimal wages.<\/p>

Within the insolvency procedure based on a debt reimbursement plan, debtors continue to own their collateral if they observe the reimbursement plan which sets forth the coverage of at least 50% of the total claims\u2019 value. In this procedure, customers can opt for the realization of immovable assets. The payment of the difference will be made by debtors via payments scheduled in the reimbursement plan. If the reimbursement plan of the procedure is not observed, then the insolvency procedure via the liquidation of assets and\/or foreclosure are\/is chosen.<\/p>

Within the insolvency procedure by the liquidation of assets, after the liquidation of assets and the payment of creditors, the law court can decide that a debtor\u2019s debts are released.<\/p>

Thus, if after one year since the date the procedure was closed, a debtor has covered at least 50% of the total claims\u2019 value, he\/she can benefit from his\/her debt release. The law court can dispose the debt release if after 3 years since the date the procedure was closed, a debtor has covered at least 40% of his\/her total claims\u2019 value, if, with all his\/her diligence, this debtor has not managed to cover at least 40% of his\/her total claims\u2019 value, in a period of 5 years since the date the procedure was closed. The special debt discharge can be applied also if, although all the actions stipulated by law were carried out, the procedure liquidator has not managed to realize a traceable good in a time period of 2 years. The respective immovable asset continues to be part of the debtor\u2019s patrimony, free of any encumbrance if no creditor exercises his right to opt for the taking over of this asset in exchange for his receivable and if the asset was not realized via foreclosure since the date the procedure was closed.<\/p>

Of course, the way the law is enforced and its impact upon banks depend on the training of the staff in charge with its implementation. The training of the insolvency commissions\u2019 staff is one of the powers of the central Insolvency Commission but all the stakeholders could contribute with professional trainers for the appropriate training of the insolvency commissions\u2019 employees.<\/p>

The Romanian Association of Banks supports the application of this solution of personal insolvency in the case of good-faith debtors who are in financial difficulty, as, in this way, the stability and predictability of the legal framework and of lending relations are provided, while moral hazard and the negative consequences for consumers, the banking sector and the economy in general are avoided.<\/p>

Comunitatea bancar\u0103 reitereaz\u0103 c\u0103 legea d\u0103rii \u00een plat\u0103 pericliteaz\u0103 pia\u0163a creditului imobiliar cu consecin\u0163e extreme pentru tinerele familii \u0219i pentru orice t\u00e2n\u0103r, \u00een general, care vor resim\u0163i accesul la credit drastic restric\u0163ionat. Apari\u0163ia acestei legi privind darea \u00een plat\u0103, \u00een care creditul cu garan\u0163ie imobiliar\u0103 este afectat prin darea \u00een plat\u0103 a garan\u0163iei respective, determin\u0103 b\u0103ncile ca, pentru produsele urm\u0103toare, s\u0103 \u00een\u0103spreasc\u0103 ferm condi\u0163iile de creditare. Nu pentru c\u0103 \u00ee\u0219i doresc, ci pentru c\u0103 sunt obligate de propria func\u0163ionare \u0219i pentru c\u0103 trebuie s\u0103 ia \u00een calcul acest risc. Avansul solicitat la un credit a crescut, iar costurile credit\u0103rii vor cre\u0219te. Rom\u00e2nii cu resurse b\u0103ne\u0219ti limitate se vor afl a \u00een imposibilitatea de a cumpara case. O prim\u0103 consecin\u021b\u0103 a cre\u0219terii ofertei de imobile pe pia\u021ba imobiliar\u0103 va fi sc\u0103derea pre\u021burilor. \u00cen urma sc\u0103derii previzibile a pre\u0163urilor imobilelor – \u00eentr-o \u0163ar\u0103 de proprietari -, averea rom\u00e2nilor va sc\u0103dea. Legea va avea, prin restric\u0163ionarea accesului la credit, un impact negativ pe orizontal\u0103 asupra dezvoltatorilor imobiliari, industriei construc\u0163iilor, industriei materialelor de construc\u0163ii \u0219i num\u0103rului de tranzac\u0163ii imobiliare.<\/p>

The adopted law induces systemic risks into the banking sector of Romania, having impact upon its financial stability by affecting banks\u2019 solvency with potential consequences upon depositors. For existing investors, the coherence of the legislative act and the predictability of the business environment are essential, and when these conditions are not provided, investors are somehow obliged to migrate to markets offering more stability from all points of view.<\/p>

Romania\u2019s development strategy should include tactics to mitigate deficits compared to European environments, including lending to the real economy. The lessons of the crisis should have been learnt by now by banks and customers alike. Accountable lending is an absolute priority and it must be committed to by banks and customers, as it is the key to economic development involving the economy horizontally.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Debitorii de bun\u0103 credin\u0163\u0103 care \u00eent\u00e2mpin\u0103 dificult\u0103\u0163i financiare pot opta pentru instituirea unei proceduri colective pentru redresarea situa\u0163iei lor financiare prin stingerea datoriilor \u0219i, \u00een anumite situa\u0163ii chiar \u0219i cu p\u0103strarea bunurilor, conform Legii 151\/2015 privind procedura insolven\u0163ei persoanelor fizice. Comunitatea bancar\u0103 din Rom\u00e2nia a reiterat c\u0103 se impune devansarea termenului de intrare \u00een vigoare […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[73],"tags":[],"class_list":["post-4706","post","type-post","status-publish","format-standard","hentry","category-proiecte"],"acf":[],"yoast_head":"\nProcedura insolven\u0163ei personale la \u00eenceput de drum - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/procedura-insolventei-personale-la-inceput-de-drum\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Procedura insolven\u0163ei personale la \u00eenceput de drum - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Debitorii de bun\u0103 credin\u0163\u0103 care \u00eent\u00e2mpin\u0103 dificult\u0103\u0163i financiare pot opta pentru instituirea unei proceduri colective pentru redresarea situa\u0163iei lor financiare prin stingerea datoriilor \u0219i, \u00een anumite situa\u0163ii chiar \u0219i cu p\u0103strarea bunurilor, conform Legii 151\/2015 privind procedura insolven\u0163ei persoanelor fizice. 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