Dužničko ropstvo ili osobni bankrot, pitanje je sad...
Piše: S.D./RDV
Petak, 4.2.2011. 12:16

Ove krizne godine sve više ljudi u svijetu tjeraju da izlaz iz financijskih problema potraže u objavi osobnog bankrota. Sličnu mogućnost svojim građanima uskoro će pružiti i susjedna Hrvatska.

No, je li to dobro rješenje za izlaz iz financijskih problema i razmišlja li se o njegovom uvođenju u BIH, doznali smo od Dragana Doke ombudsmana za zaštitu potrošača u BIH.

"Proglašenje osobnog bankrota je najčešće zadnji izlaz iz situacije iz koje se više ne mogu otplaćivati dugovi, a neki ga nazivaju i novom prilikom, novom šansom. Ukratko, ulaskom u stečaj, dužnik ostaje bez prethodno stečene imovine, a pored toga, u nekim državama, ostaje i bez dostojanstva. Naime, zakoni nekih država koji imaju takvu praksu, ovdje prije svega mislim na onu američka, propisuju da ljudi koji objave osobni bankrot budu zabilježeni u određenim registrima, na oglasnim pločama sudova ili čak tiskovina. Sličnu praksu ima i Velika Britanija.Razumljivo je kakav to utjecaj ima na dužnike", pojašnjava Dragan Doko.

Prema procjenama u BIH je 40 % siromašnih ljudi, što najbolje govori koliki broj ljudi se nalazi u nezavidnoj situaciji, kada više ne mogu otplaćivati svoje dugove. No, o uvođenju instituta osobnog bankrota kao izlazu iz financijskih problema, u BiH se još uvijek ne govori.

"Koliko je meni poznato situacija u BIH ili razmišljanje o tome još uvijek nije na toj razini da bi se pokrenula procedura kod nadležnih institucija o pokretanju instituta osobnog bankrota. Uvođenje instituta osobnog bankrota je vrlo složen proces i nije ga moguće prepisati iz drugih država, recimo Hrvatske", kazao je Doko.

Uvođenje mogućnosti proglašenja osobnog bankrota najviše bi obradovala jamce koji otplaćuju tuđe dugove.

"U tom smislu potrošači bi bili više zaštićeni u ulozi jamca, jer bi se iskoristile sve mogućnosti da se iz imovine glavnog dužnika podmire dugovi", objašnjava Doko.

Postoje različiti modeli osobnog bankrota, od liberalnijih do restriktivnijih. Zajedničko svima je da ne smiju posezati za onim sredstvima koja su potrebna za život.

Unatoč tome, ne preporučuje se jer, među ostalim, znači gubitak stečene imovine, višegodišnji život na minimumu, te gubitak ugleda. Stoga iz Ureda ombudsmana za zaštitu potrošača pozivaju građane na oprez.

"Osobni bankrot rješava posljedicu, a ne uzrok. Pozivamo građane da dobro planiraju i ne zadužuju se dodatno ukoliko nemaju stabilne izvore" kazao nam je Doko.

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