БАНКРОТСТВО ДЛЯ ФИЗИЧЕСКИХ ЛИЦ.

  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Declaration of views_handler_argument::options_validate() should be compatible with views_handler::options_validate($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_argument.inc on line 917.
  • strict warning: Declaration of views_handler_argument::query() should be compatible with views_handler::query($group_by = false) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_argument.inc on line 917.
  • strict warning: Declaration of views_handler_sort::options_validate() should be compatible with views_handler::options_validate($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_sort.inc on line 165.
  • strict warning: Declaration of views_handler_sort::options_submit() should be compatible with views_handler::options_submit($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_sort.inc on line 165.
  • strict warning: Declaration of views_handler_sort::query() should be compatible with views_handler::query($group_by = false) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_sort.inc on line 165.
  • strict warning: Declaration of views_handler_filter::options_validate() should be compatible with views_handler::options_validate($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter.inc on line 587.
  • strict warning: Declaration of views_handler_filter::query() should be compatible with views_handler::query($group_by = false) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter.inc on line 587.
  • strict warning: Declaration of views_handler_filter_node_status::operator_form() should be compatible with views_handler_filter::operator_form(&$form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/modules/node/views_handler_filter_node_status.inc on line 13.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Declaration of views_plugin_argument_validate::options_submit() should be compatible with views_plugin::options_submit($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/plugins/views_plugin_argument_validate.inc on line 87.
  • strict warning: Declaration of views_plugin_argument_validate_taxonomy_term::options_submit() should be compatible with views_plugin::options_submit($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/modules/taxonomy/views_plugin_argument_validate_taxonomy_term.inc on line 165.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Only variables should be passed by reference in /var/www/www-root/data/www/house18.info/sites/default/modules/captcha/captcha.inc on line 61.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Declaration of views_handler_field::query() should be compatible with views_handler::query($group_by = false) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_field.inc on line 1147.
  • strict warning: Declaration of views_handler_field_comment_username::init() should be compatible with views_handler::init(&$view, $options) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/modules/comment/views_handler_field_comment_username.inc on line 47.
  • strict warning: Declaration of views_plugin_query::options_submit() should be compatible with views_plugin::options_submit($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/plugins/views_plugin_query.inc on line 169.
  • strict warning: Declaration of views_plugin_row::options_validate() should be compatible with views_plugin::options_validate(&$form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/plugins/views_plugin_row.inc on line 136.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Declaration of views_plugin_style_default::options() should be compatible with views_object::options() in /var/www/www-root/data/www/house18.info/sites/default/modules/views/plugins/views_plugin_style_default.inc on line 24.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Declaration of page_title_plugin_display_page_with_page_title::options_submit() should be compatible with views_plugin::options_submit($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/page_title/views/plugins/page_title_plugin_display_page_with_page_title.inc on line 66.
  • strict warning: Declaration of content_handler_field::element_type() should be compatible with views_handler_field::element_type($none_supported = false, $default_empty = false, $inline = false) in /var/www/www-root/data/www/house18.info/sites/default/modules/cck/includes/views/handlers/content_handler_field.inc on line 229.
  • strict warning: Declaration of views_handler_filter_term_node_tid_depth::operator_options() should be compatible with views_handler_filter::operator_options() in /var/www/www-root/data/www/house18.info/sites/default/modules/views/modules/taxonomy/views_handler_filter_term_node_tid_depth.inc on line 89.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Only variables should be passed by reference in /var/www/www-root/data/www/house18.info/sites/default/modules/captcha/captcha.inc on line 61.

Процедура банкротства физических лиц действует с 2015 года, за это время проявились как, положительные, так и негативные моменты. Из 700 тысяч граждан подпадающих под действие 10 главы, закона «О несостоятельности» в 2017 году, этим правом смогли воспользоваться не более 15 тысяч человек. Основной причиной стала стоимость процедуры.
Цена банкротства в среднем составляла 50-70 тысяч рублей. Она складывалась из следующих позиций:
· Оплата работы финансового управляющего (приблизительно 25 тысяч рублей);
· Публикация в газете «Коммерсантъ»;
· Письменные информационные извещения для кредиторов;
· Госпошлина и другие сопутствующие расходы.

Для тех, у кого были многомиллионные долги, соответственно оставались средства для оплаты этих этапов, граждане, у которых не осталось ни копейки кроме долговых обязательств, а таких подавляющее большинство, уже не смогли воспользоваться своим правом.
Введенная 01 января 2017 года Упрощенное банкротство физических лиц призвано облегчить процесс списания долгов граждан с малым уровнем дохода.
Плюсы упрощенной процедуры:
· При согласии кредитора возможно проведение банкротства без привлечения финансового управляющего.
· Сумма долга снижена с 500 до 50 тысяч рублей
· Срок процедуры уменьшен с нескольких лет до трех месяцев.
· Отмена реестра кредиторов.
· Реализация имущества с торгов теперь необязательна, разрешено любым способом в течение 15 дней.
Ограничения:
· Максимальная сумма долга не более 700 тысяч рублей.
· Доход за последнюю половину года менее 50 тысяч рублей.
· в течение полугода до начала процесса возникло не более четверти от всех долгов.
· Не более 10 кредитов.
· В течение года не должно быть сделок с имуществом более чем на 2 миллиона рублей.
· Проходить процедуру банкротства разрешено 1 раз в 10 лет.
Пакет документов в связи с отсутствием финансового управляющего увеличится, к стандартному набору добавится:
· Выписка из Росреестра (о принадлежащей недвижимости)
· Справка из ГИБДД (о принадлежности автотранспортных средств)
Минусы:
Пока не ясно, как будет осуществляться контроль над исполнением своих обязанностей должником перед кредиторами. Без финансового управляющего, без собрания кредиторов, должник сам занимается продажей имущества и расплачивается по счетам.
Упрощенная процедура банкротства пока не обкатана прецедентами. Людям, которым есть что терять, проще найти опытного финансового управляющего, расплатиться с долгами и начать с чистого листа учитывая ошибки прошлого. Ждать «упрощенку» придется тем, у кого нет средств на оплату процедуры и постоянного дохода.