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Mix-Ansicht- persönliches Bankrottrecht wird eingeschränkt NYTimes von heute! - nasdaq, 27.07.2002, 16:06
persönliches Bankrottrecht wird eingeschränkt NYTimes von heute!
persönliches Bankrottrecht wird in den USA teilweise erschwert. Wenngleich ich nicht weiß welche Änderungen genau getroffen werden, so zielt es wohl auf eine schärfere Behandlung für diejenigen ab, die einfach ihre Kreditkarte überziehen und sich über ein Chapter 7 schuldenfrei machen.
Die Bankenindustrie fürchtet aufgrund der risigen Ausstände um ihre unzureichende Risikovorsorge und möchte wenigstens einen Teil der Schulden Asset backed haben...
Ein weiterer Grund, von exzessiven Krediten in jedem Falle die Finger zu lassen. Cash is King!!!
Recent studies have shown that the average American filing for bankruptcy has a median household income well below the national average of about $42,000 in 2000. A study cited in Congressional testimony last year showed that the average person filing for bankruptcy had a car that was six to nine years old, and that a quarter of those people had medical debts exceeding $1,000.
"I won't deny that there are people who abuse the bankruptcy system," said Mr. Weltmann, the Washington lawyer whose firm calls itself the Bankruptcy Center."But there are honest, hard-working folks who are really going to be affected by these changes."
The bill would impose a means test on debtors, based on median incomes in their home states, for bankruptcy filings under Charter 7 of the federal bankruptcy law, which permits debtors to erase most of their unsecured debts, like credit card bills.
Debtors with an income above the state median would be barred from filing under Chapter 7 and would instead be required to file instead under Chapter 13, which requires that a portion of the unsecured debt be repaid over time under the court-administered plan.
Mr. Courson, the San Francisco lawyer, said that the changes would"hurt a lot of consumer debtors who really, rightfully belong in Chapter 7."
"My clients, for the most part, are honest and unfortunate people, and they've just got heavy debt," he said."You can always find some circumstance where a person really went to town with a credit card and got themselves in trouble. But I have people who are just plain old poor. My experience is something wildly different than the story that the credit card companies make to Congress."
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