Судебные мероприятия по восстановлению платежеспособности граждан в России и за рубежом

Вестник Пермского университета. Юридические науки. 2013. № 4(22). С. 162–169.

Жукова Т. М., Kondrateva K.

In article options of the Russian and foreign regulation of idea of collective access of creditors are given to partial withdrawal of property and future income of the debtor, and the conclusion about opportunity and need of introduction in the Russian Federation this mechanism of release of citizens from burden of debts is drawn.

The conclusion about need of research of the procedures preventing recognition of the debtor by the bankrupt is drawn, namely giving to the debtor opportunity within the law to receive release from debts, without allowing thus full realization of the property belonging to it, applied to individuals within studied system of insolvency.

Authors carried out the comparative analysis of legislations of England, by the USA, Canada and Russia on separate elements of use of legal tools.

In the conclusion authors it is offered to modify the payment plan in procedure for the consumer, allowing to avoid bankruptcy by use of the mechanism of collective access of creditors to partial withdrawal of property and the income of the debtor offered by foreign legislations that considerably would facilitate realization of tasks modern, the truth still unusual, competitive production concerning the citizens who aren't individual entrepreneurs in spite of the fact that we try to apply law action to hypothetical debtors and creditors.

 Thus it is necessary to consider and effectively and expediently to use national, historical and social features of Russia.

Keywords: реструктуризация, restructuring, предупреждение банкротства, восстановление платежеспособности, должник, bankruptcy prevention, граждане, debtor, consumer bankruptcy, citizens, solvency restoration, collective access of creditors to property withdrawal, release from debts, payment plan, потребительское банкротство, коллективный доступ кредиторов к изъятию имущества, освобождение от долгов, план погашения долгов