2007 se saldará con un récord de familias en quiebra económica

Desde que la Ley Concursal entró en vigor en septiembre de 2004, ya son 242 las familias o particulares que se han declarado en quiebra en España. La nueva norma prevé que no solo las empresas puedan presentar “suspensión de pagos”, sino también aquellas personas que acumulan más deudas de las que pueden afrontar. La nueva medida se ha utilizado poco durante los dos primeros años de vigencia, pero todo apunta a que al final de 2007 la cifra de particulares que soliciten concurso será mucho mayor.

 

La norma clásica de la economía familiar decía que no había que endeudarse por encima de un 30% de la renta disponible cada mes, un límite que a la vista de los datos actuales parece más bien utópico.
 
Según el último informe sobre el consumo y la economía familiar de Caixa Catalunya, entre el año 2000 y el 2006 la deuda de las familias ha avanzado a un promedio anual cercano al 16%, alcanzando en 2006 el 115% de su renta disponible. Este contexto, sumado a la tendencia según la cual cada vez se ahorra menos, se aguantaba en un momento en que los tipos de interés no daban sustos y los préstamos personales se concedían casi sin pedirlos, pero ahora las cosas han cambiado y cada vez son más las familias y particulares que se encuentran con deudas que no pueden afrontar.

El abogado José Manuel Calavia, socio del bufete Mazars y Asociados, recuerda el caso de un cliente “que vino hace algún tiempo contándome que se había comprado un coche mucho mejor del que necesitaba, sólo porque en el banco le ofrecían préstamos baratísimos”. Y el mismo Calavia es el que ahora asegura que “cada vez hay más personas y empresarios que nos vienen a ver porque se encuentran con el agua al cuello, y se preguntan qué salidas tienen para hacer frente a sus deudas”.

Entre las salidas disponibles, desde septiembre de 2004 existe una ley que da cobertura tanto a empresarios y profesionales como a particulares y familias que se encuentren en una situación de sobre endeudamiento. La nueva Ley Concursal (que sustituye y reunifica los antiguos procesos de “suspensión de pagos”, “quiebra”, “quita y espera” o “concurso de acreedores”), tiene como objetivo principal conseguir que las empresas o particulares puedan afrontar sus deudas sin tener que cesar su actividad. Es decir, si antes se tiraba directamente hacia la liquidación de los patrimonios y el cierre de las empresas para pagar deudas, ahora se intenta renegociar las deudas y dar un respiro a los deudores para que puedan pagar sin cesar su actividad.

Un triste récord

La entrada en vigor de la nueva ley llegó en plena expansión económica en España y se usó poco, pero ahora empieza a repuntar y todo apunta a que 2007 se saldará con un récord de familias en quiebra en España. Según datos del Registro de Economistas Forenses (Refor), las familias que se declaran en quiebra se triplicaron en el tercer trimestre, cuando 23 particulares solicitaron concurso para solucionar una situación de sobre endeudamiento. De estos 23 individuos (que llevan el total de concursos de particulares hasta 242 desde septiembre de 2004), 20 son personas físicas sin actividad empresarial y tres son personas físicas con actividad empresarial, como podría ser el caso de los autónomos.

La directora del Refor, Inés Landín, resalta la importancia de esta cifra, que podría apuntar a un repunte ‘muy pronunciado’ del número de familias en quiebra a finales de año debido, en parte, a la posible desaceleración económica y al creciente endeudamiento de las familias en España.

Según José Manuel Calavia, “más que una intuición, el futuro aumento solicitudes de concurso es para mi un dato empírico. Durante el segundo trimestre, teníamos dos o tres consultas al mes sobre si convenía o no solicitar concurso. Ahora, y especialmente desde finales de septiembre, tenemos una o dos consultas a la semana. Lo típico es preguntar qué me pasará si no aguanto las deudas, etc… y cuando la gente te pregunta es que ya está con el agua al cuello. Esto es tan válido para empresas como particulares. El año pasado no tuve ninguna consulta de un particular, y ahora sí que estamos recibiendo algunas personas que quieren saber si les conviene esta vía”.

Una solución poco práctica

La nueva Ley Concursal podría parecer una solución perfecta para las familias españolas, pero existen algunas grietas en su formulación que hacen que, a la práctica, sea una ley mucho más pensada para las empresas que para los particulares.

Veámoslo así: un proceso judicial siempre supone un gasto, y cabría preguntarse si una familia que ya está con el agua al cuello puede permitirse precisamente un gasto más. El director del Centro de Estudios de Morosología de la Escuela de Administración de Empresas (EAE), Pere Brachfield, asegura que “si una familia tiene problemas para llegar a pagar sus deudas, es evidente que no podrá embarcarse en un proceso judicial que le supondrá un enorme gasto y que puede durar varios años hasta que haya una resolución. Tal y como está hecha la ley, resulta impracticable para los particulares”.

Según el abogado José Manuel Calavia, “es verdad que la ley da más ventajas a los empresarios y profesionales que a los particulares”, y “si no se dispone de algunos contactos o amigos que puedan hacerte un favor, resulta carísimo”. El proceso concursal supone unos gastos fijos para el abogado, el procurador, y el administrador concursal. “Si no dispones de alguien de confianza que te pueda hacer las gestiones gratis y conseguirte un buen trato con el procurador y el administrador, es demasiado caro, y resulta inviable”.

Según Brachfield, la nueva ley es insuficiente, y habría que actuar a partir de ahora en dos frentes. Por un lado, “formular una ley especial para regular las situaciones de insolvencia sobrevenida para los consumidores, de manera que se paralice durante un tiempo la ejecución de las deudas para que se puedan reorganizar y tratar de salir adelante”. Y por otro lado, en su opinión, “sería necesario crear unas oficinas autonómicas oficiales al margen de los juzgados, que actúen como intermediarios entre la persona física y sus acreedores, y que emitan acuerdos vinculantes entre ambas partes”.

Selección www.tiendadeprensa.com  / 1 en la red.

176 thoughts on “2007 se saldará con un récord de familias en quiebra económica










  1. I have been browsing online greater than 3 hours today, but I never discovered any attention-grabbing article like yours. It’s pretty worth enough for me. In my opinion, if all webmasters and bloggers made good content material as you did, the web will probably be a lot more useful than ever before.|


  2. try it cialis dosecialis como salen inglaterrawhat is generic cialis 10mgcialis vegetalbuy one day cialiscialis and trimix togetherwe choice cialis usnow cialis payment paypalcialis 5 mg salefor sale cialis tabletscanadian cialisbilliges cialis bestellenaustralia cialis buycialis 5mg preise osterreichcout du cialisil cialis generico e sicuro?buy cheapest daily cialiswow womans cialiscialis online forucialis nuchtern einnehmencialis kanada bestellen onlineosu cialis generico forum,enter site cialis tabsbuy cialis in sohofarmacia uk cialisprezzo cialis da 5 mgachat cialis 2 5 mgcialis 20 mlacheter cialis suisscialis online express200 cialiswe like it cialis low pricegeneric cialis potencycialis causes me headachecounterfeit cialis ukordering cialis onlinecialis hearing lossblog how to order cialiscialis indiegenerika cialis levitracialis miglior prezzo italiaprescription cialis canadacialis 5 mg generikacialis historicialis per duratacialis discounts and couponscialis or genericcialis free printable coupongeneric cheap cialis online5mg cialis onlinekaufen cialis nachnahmepurchase cialis no rxwow buy cialis australiawe like it generic cialis usacialis ou autresforo cialis genericosventa de cialis en iquiquecialis online generic eumail order cialis from canadahow to buy cialiscialis canada buy onlinecialis kaufen in hamburgsite once daily cialis costtry it buy 5 mg cialisgenerico para 20 mg cialiscialis online italicialis with paypalexpress cialis deliverypurchase cialis prescriptioncialis levitra paypalcialis tabs 20mgvendo cialis toscanacialis dove acquistarecialis cheap overseascialis venta 2010cialis generico en mexico dfcialis 20mg tadalafil preisecialis prices comparisonlook there lowest price cialischeapest cialis for saleusefull link brand name cialiscialis 5 mg 28 stvendo cialis generico chilebipolar specialist low pricecialis for men costou acheter du cialis au canadacialis daily us pricecialis extenze togethercialis pillola costocialis e ipertensione lievdonde compro cialis 10try it cialis mail ordercialis deutschland kaufpaypal cialis descuentocanada cialis generic onlinecialis okay fur frauengeneric cialis melbournecialis commercialbuy low cost cialis soft tabcialis online offercialis 20 mg 4 tablcialis senza ricetta svizzercialis costs,try it non pescription cialiscialis en ligne du canadacialis 5mg tablettencialis pastilla oralil cialis fa dimagrirepurchase cialis canada onlinecheap cialis softonly here cialis mail ordercialis 50mg buyachat de cialis non generiquewe like it cialis to ordercialis hace efectlook there get cialis cheapcialis generic lowest pricecialis on line basso costocialis 4cpr riv 20mgcialis chennaiwe recommend soft tab cialisprix medicament cialis marocnew cialis daily dosecialis pill ukonly now cialis 2.5 mgprice cialis daily use 5mgcialis comlrar con mastercardcan you two take 10mg cialisquanto costa cialis originalemedicament cialis generiquecialis campione libero ukcialis generico 5 mg prezzgeneric cialis online 10mgbuy cialis online soft tabsbest price on cialis 20mg online order cialiswow approval cialis fdawant to purchase cialisdosaggio cialisachetez cialis profesionalcialis comprar en farmaciablack buy generic cialiscialis daily in what mgscialis frankreich rezeptfreicialis angebotcialis laboratoire lillytarif cialis andorrecheapest cialis availablecialis expirycialis drug prescriptioncompra de los cialisenter site cialis soft tabscialis liquid formcialis generika online kaufencompri cialis in farmacielevitra 2cialiscost cialiscialis daily use pricecompare prices on cialiscialis trial samples canadafree cialis sample pack in usageneric cialis salescialis-pille-kaufvendita farmaci online cialislevitra cialis professionnelbrand cialis from uksoft cialis now cheapcialis generico funziona?buy cialis fast deliverycialis effettfollow link best cialiscialis da europalaboratoire lilly cialiscialis que es yahoosuper cialis ukbuy cialis in sebokengcialis 33 annicialis uk the cheapestcialis try before buywhats best to take cialisonline cialis kaufencanada pharmacy cialis onlineonly now best quality cialiscialis price 4 tabletsback cialis guarantee moneysito cialis genericogeneric cialis united stateslook there buy generic cialison line cost of cialiscialis generico torinocialis prise en chargeamerican cialiscialis pas cher a pariscialis kaufen frankreiccialis 40 mg online australiaonly best offers mexico cialisgenerico de cialis en perucialis pillen deutschlandaffairs cialis veteransarticles on generic cialisclick here soft tab cialisonly today cialis 10 mgonly now canadain cialiscomprar cialis medicamentocialis bestellen in frankreichpills price india cialisorder safe generic cialiscialis acheter en belgiqueis cialis by prescription onlycialis edemacialis daily costuser reviews of cialishow much cialis costtadalafil cialis best usagecheap cialis from ukis cialis generic legal in uscialis pfizer achatacquisto cialis originalcialis gelenkschmerzenthe best site cialis australiacorporate finance specialistcialis impotenza o levitrventa cialis soft cubanowow buy cialis mexicowhere can i get cialisfollow link online us cialisbest price online daily cialiscialis kaufen shopbuy cialis 5mg tabletscialis switzerlandwhere to buy cheap cialiscialis overnight delivery usacialis quanto custacheap cialis online 5b mgthe best choice cialis on lineforo cialis onlinecialis for cheapwill cialis available genericcialis 5 mg au canadacialis 2 comprimescialis 7.5 mgcialis and pregnancyingredient in cialisbuy over counter cialiscialis 20 posologiadverse effects cialisdonde compra cialis en madridwe choice cialis online indiaonly here buy cialis in canadacost of 20mg cialis

    http://cialispqh.com/ – cialis cheap

    cheap cialis

    try it cialis dosecialis como salen inglaterrawhat is generic cialis 10mgcialis vegetalbuy one day cialiscialis and trimix togetherwe choice cialis usnow cialis payment paypalcialis 5 mg salefor sale cialis tabletscanadian cialisbilliges cialis bestellenaustralia cialis buycialis 5mg preise osterreichcout du cialisil cialis generico e sicuro?buy cheapest daily cialiswow womans cialiscialis online forucialis nuchtern einnehmencialis kanada bestellen onlineosu cialis generico forum,enter site cialis tabsbuy cialis in sohofarmacia uk cialisprezzo cialis da 5 mgachat cialis 2 5 mgcialis 20 mlacheter cialis suisscialis online express200 cialiswe like it cialis low pricegeneric cialis potencycialis causes me headachecounterfeit cialis ukordering cialis onlinecialis hearing lossblog how to order cialiscialis indiegenerika cialis levitracialis miglior prezzo italiaprescription cialis canadacialis 5 mg generikacialis historicialis per duratacialis discounts and couponscialis or genericcialis free printable coupongeneric cheap cialis online5mg cialis onlinekaufen cialis nachnahmepurchase cialis no rxwow buy cialis australiawe like it generic cialis usacialis ou autresforo cialis genericosventa de cialis en iquiquecialis online generic eumail order cialis from canadahow to buy cialiscialis canada buy onlinecialis kaufen in hamburgsite once daily cialis costtry it buy 5 mg cialisgenerico para 20 mg cialiscialis online italicialis with paypalexpress cialis deliverypurchase cialis prescriptioncialis levitra paypalcialis tabs 20mgvendo cialis toscanacialis dove acquistarecialis cheap overseascialis venta 2010cialis generico en mexico dfcialis 20mg tadalafil preisecialis prices comparisonlook there lowest price cialischeapest cialis for saleusefull link brand name cialiscialis 5 mg 28 stvendo cialis generico chilebipolar specialist low pricecialis for men costou acheter du cialis au canadacialis daily us pricecialis extenze togethercialis pillola costocialis e ipertensione lievdonde compro cialis 10try it cialis mail ordercialis deutschland kaufpaypal cialis descuentocanada cialis generic onlinecialis okay fur frauengeneric cialis melbournecialis commercialbuy low cost cialis soft tabcialis online offercialis 20 mg 4 tablcialis senza ricetta svizzercialis costs,try it non pescription cialiscialis en ligne du canadacialis 5mg tablettencialis pastilla oralil cialis fa dimagrirepurchase cialis canada onlinecheap cialis softonly here cialis mail ordercialis 50mg buyachat de cialis non generiquewe like it cialis to ordercialis hace efectlook there get cialis cheapcialis generic lowest pricecialis on line basso costocialis 4cpr riv 20mgcialis chennaiwe recommend soft tab cialisprix medicament cialis marocnew cialis daily dosecialis pill ukonly now cialis 2.5 mgprice cialis daily use 5mgcialis comlrar con mastercardcan you two take 10mg cialisquanto costa cialis originalemedicament cialis generiquecialis campione libero ukcialis generico 5 mg prezzgeneric cialis online 10mgbuy cialis online soft tabsbest price on cialis 20mg online order cialiswow approval cialis fdawant to purchase cialisdosaggio cialisachetez cialis profesionalcialis comprar en farmaciablack buy generic cialiscialis daily in what mgscialis frankreich rezeptfreicialis angebotcialis laboratoire lillytarif cialis andorrecheapest cialis availablecialis expirycialis drug prescriptioncompra de los cialisenter site cialis soft tabscialis liquid formcialis generika online kaufencompri cialis in farmacielevitra 2cialiscost cialiscialis daily use pricecompare prices on cialiscialis trial samples canadafree cialis sample pack in usageneric cialis salescialis-pille-kaufvendita farmaci online cialislevitra cialis professionnelbrand cialis from uksoft cialis now cheapcialis generico funziona?buy cialis fast deliverycialis effettfollow link best cialiscialis da europalaboratoire lilly cialiscialis que es yahoosuper cialis ukbuy cialis in sebokengcialis 33 annicialis uk the cheapestcialis try before buywhats best to take cialisonline cialis kaufencanada pharmacy cialis onlineonly now best quality cialiscialis price 4 tabletsback cialis guarantee moneysito cialis genericogeneric cialis united stateslook there buy generic cialison line cost of cialiscialis generico torinocialis prise en chargeamerican cialiscialis pas cher a pariscialis kaufen frankreiccialis 40 mg online australiaonly best offers mexico cialisgenerico de cialis en perucialis pillen deutschlandaffairs cialis veteransarticles on generic cialisclick here soft tab cialisonly today cialis 10 mgonly now canadain cialiscomprar cialis medicamentocialis bestellen in frankreichpills price india cialisorder safe generic cialiscialis acheter en belgiqueis cialis by prescription onlycialis edemacialis daily costuser reviews of cialishow much cialis costtadalafil cialis best usagecheap cialis from ukis cialis generic legal in uscialis pfizer achatacquisto cialis originalcialis gelenkschmerzenthe best site cialis australiacorporate finance specialistcialis impotenza o levitrventa cialis soft cubanowow buy cialis mexicowhere can i get cialisfollow link online us cialisbest price online daily cialiscialis kaufen shopbuy cialis 5mg tabletscialis switzerlandwhere to buy cheap cialiscialis overnight delivery usacialis quanto custacheap cialis online 5b mgthe best choice cialis on lineforo cialis onlinecialis for cheapwill cialis available genericcialis 5 mg au canadacialis 2 comprimescialis 7.5 mgcialis and pregnancyingredient in cialisbuy over counter cialiscialis 20 posologiadverse effects cialisdonde compra cialis en madridwe choice cialis online indiaonly here buy cialis in canadacost of 20mg cialis





  3. Everything is very open with a clear clarification of the issues. It was truly informative. Your website is extremely helpful. Thank you for sharing!|


  4. I am really inspired with your writing abilities and also with the layout in your weblog. Is this a paid topic or did you customize it yourself? Anyway stay up the nice quality writing, it is rare to see a nice weblog like this one today..|



  5. I like the valuable info you provide in your articles. I’ll bookmark your weblog and check once more here frequently. I am fairly certain I’ll be informed many new stuff proper here! Best of luck for the following!|



  6. I love your blog.. very nice colors & theme. Did you design this website yourself or did you hire someone to do it for you? Plz respond as I’m looking to design my own blog and would like to find out where u got this from. appreciate it|




  7. Thanks , I’ve just been looking for information approximately this topic for ages and yours is the best I’ve discovered so far. However, what concerning the bottom line? Are you positive concerning the supply?|


  8. Good day! This is kind of off topic but I need some guidance from an established blog. Is it very hard to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about making my own but I’m not sure where to start. Do you have any ideas or suggestions? Thanks|



  9. Hello, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam comments? If so how do you prevent it, any plugin or anything you can recommend? I get so much lately it’s driving me crazy so any support is very much appreciated.|







  10. I know this website presents quality based articles or reviews and additional data, is there any other web page which presents these information in quality?|



  11. Good post. I learn something totally new and challenging on sites I stumbleupon everyday. It will always be interesting to read through articles from other writers and practice something from their sites. |







  12. Do you mind if I quote a couple of your articles as long as I provide credit and sources back to your blog? My website is in the very same area of interest as yours and my visitors would definitely benefit from some of the information you provide here. Please let me know if this alright with you. Many thanks!|





  13. Thank you for the auspicious writeup. It in fact was a amusement account it. Look advanced to far added agreeable from you! By the way, how could we communicate?|


  14. Magnificent beat ! I would like to apprentice while you amend your site, how could i subscribe for a weblog site? The account helped me a acceptable deal. I have been tiny bit acquainted of this your broadcast provided brilliant clear concept|




  15. We are a bunch of volunteers and starting a brand new scheme in our community. Your web site provided us with helpful information to work on. You’ve performed a formidable process and our whole neighborhood will likely be thankful to you.|



  16. I’m not that much of a internet reader to be honest but your sites really nice, keep it up! I’ll go ahead and bookmark your website to come back down the road. Cheers|









  17. personal loans national guard

    [url=http://hiperfizyka.pl//component/k2/itemlist/user/48000-alisajagdd]viagra online[/url]

    viagra cheap

    [url=http://www.ynlszq.com/home.php?mod=space&uid=519245]generic viagra online[/url]

    cheap viagra

    [url=http://greenolivehk.org/home.php?mod=space&uid=353669]buy viagra[/url]

    online viagra

    [url=http://www.hnytsy.com/home.php?mod=space&uid=80835]cheap viagra[/url]

    viagra cheap

    [url=http://gistingakureyri.is/index.php?option=com_k2&view=itemlist&task=user&id=60559]buy viagra online[/url]

    cheap viagra








  18. Thank you for every other informative blog. Where else may I get that kind of info written in such a perfect manner? I have a challenge that I am just now working on, and I’ve been at the look out for such info.|





  19. hello!,I really like your writing very much! proportion we communicate more about your article on AOL? I require a specialist on this house to resolve my problem. May be that’s you! Taking a look ahead to see you. |



  20. Heya i’m for the first time here. I found this board and I find It truly useful & it helped me out much. I hope to give something back and aid others like you aided me.|


























  21. My brother recommended I may like this web site. He was entirely right. This post truly made my day. You can not consider just how much time I had spent for this info! Thanks!|



  22. Heya i am for the primary time here. I came across this board and I find It truly helpful & it helped me out a lot. I am hoping to provide one thing again and aid others such as you helped me.|





  23. Hi there! I just would like to give you a huge thumbs up for the excellent info you’ve got right here on this post. I’ll be coming back to your website for more soon.|




  24. Hi, i believe that i noticed you visited my site so i came to return the choose?.I am attempting to find issues to improve my site!I assume its ok to use some of your ideas!!|



  25. Hi there, just became aware of your blog through Google, and found that it is truly informative. I am going to watch out for brussels. I will be grateful if you continue this in future. A lot of people will be benefited from your writing. Cheers!|





  26. Spot on with this write-up, I honestly believe that this website needs far more attention. I’ll probably be returning to see more, thanks for the advice!|


  27. Its like you read my mind! You appear to know so much about this, like you wrote the book in it or something. I think that you could do with a few pics to drive the message home a little bit, but other than that, this is magnificent blog. A great read. I’ll certainly be back.|









  28. My brother suggested I may like this website. He was entirely right. This post actually made my day. You cann’t believe simply how so much time I had spent for this information! Thank you!|



  29. My spouse and I stumbled over here from a different website and thought I might as well check things out. I like what I see so now i am following you. Look forward to going over your web page yet again.|









  30. I’m impressed, I have to admit. Seldom do I come across a blog that’s both equally educative and amusing, and let me tell you, you have hit the nail on the head. The issue is an issue that too few people are speaking intelligently about. Now i’m very happy that I stumbled across this during my hunt for something concerning this.|





  31. Wow, incredible blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your website is wonderful, as well as the content!|




  32. Greetings! I know this is somewhat off topic but I was wondering if you knew where I could get a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having difficulty finding one? Thanks a lot!|



  33. Oh my goodness! Impressive article dude! Thanks, However I am having difficulties with your RSS. I don’t know why I cannot join it. Is there anybody else having identical RSS problems? Anyone that knows the solution will you kindly respond? Thanx!!|



  34. I am not sure where you’re getting your info, but great topic. I needs to spend some time learning much more or understanding more. Thanks for fantastic info I was looking for this information for my mission.|








  35. Thanks for every other informative site. Where else may I am getting that kind of information written in such a perfect way? I have a undertaking that I am just now working on, and I’ve been on the look out for such information.|










  36. Thanks for the good writeup. It in fact was a leisure account it. Look advanced to more introduced agreeable from you! However, how could we be in contact?|











  37. Hmm it seems like your blog ate my first comment (it was super long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog writer but I’m still new to everything. Do you have any helpful hints for beginner blog writers? I’d genuinely appreciate it.|


  38. magnificent publish, very informative. I ponder why the opposite experts of this sector do not understand this. You should proceed your writing. I’m confident, you’ve a great readers’ base already!|



  39. This is very interesting, You’re a very skilled blogger. I’ve joined your rss feed and look forward to seeking more of your magnificent post. Also, I have shared your web site in my social networks!|





  40. I’m not sure exactly why but this website is loading incredibly slow for me. Is anyone else having this problem or is it a issue on my end? I’ll check back later and see if the problem still exists.|




Deja un comentario