A carregar...
Publicação
A exoneração do passivo restante e a sua articulação com a finalidade do processo de insolvência
| Nome: | Descrição: | Tamanho: | Formato: | |
|---|---|---|---|---|
| 989.84 KB | Adobe PDF |
Orientador(es)
Resumo(s)
A presente dissertação intitulada «A exoneração do passivo restante e a sua articulação com a finalidade do processo de insolvência» visa analisar, por um lado, o instituto protetor, por excelência, dos devedores insolventes pessoas singulares, denominado, exoneração do passivo restante e, por outro lado, a forma como é assegurada a satisfação dos credores, uma vez ser essa a finalidade do processo de insolvência.
A possibilidade que o devedor insolvente pessoa singular tem de se libertar de
algumas das suas dívidas num período cinco anos e com uma conduta comportamental
caracterizada pela boa-fé, no que se refere às condições que lhe são impostas caso seja
deferido a concessão da exoneração do passivo restante, permite que a orientação do
processo de insolvência para liquidação de património e, assim, com o valor de lucro
obtido permitir o ressarcimento das responsabilidades creditícias, poderá não ser
alcançado, no seu todo.
Para o efeito procedeu-se a uma análise documental legislativa, doutrinal e
jurisprudencial de forma a tentar centrar uma ideia clara sobre a forma de se estabelecer uma articulação entre os institutos: o da regulação de uma situação de crédito de consumo e o da satisfação de credores.
Da pesquisa elaborada foi possível compreender que o instituto da exoneração
do passivo restante é um instituto direcionado para a regulação do sobre-endividamento dos consumidores com vista a não tornar ad eternum a responsabilização pelas dívidas contraídas, por estes, e a permitir uma reabilitação económica do devedor mais célere.
Trata-se de uma figura que existe noutros ordenamentos jurídicos, embora com algumas
diferenças procedimentais.
Pese embora o sentido da existência da exoneração do passivo restante, no
âmbito do processo de insolvência, os credores que são a parte mais forte num processo de insolvência, uma vez que o fim do processo é a satisfação dos seus interesses creditórios, acabam por ser com a concessão do instituto ao insolvente os que não saem mais beneficiários em prole do protecionismo do devedor.
Sendo que, o presente trabalho pretende contribuir para um melhor entendimento
das questões pertinentes associadas aos institutos em causa.
The present dissertation entitled “Discharge of remaining debts and proceedings with the purpose of insolvency”, aims at, by the one hand, analysing the legal institution, protective by excellence of individual insolvent debtors, known as discharge of remaining debts, and, on the other hand, the way how the creditors’ claims, which is the purpose of insolvency, are assured. The possibility the individual insolvent debtor has to relieve from some of his debts, if in a due time, five years, along with a conduct of good faith concerning the imposed conditions, in case the concession of discharge of the remaining debts is granted, allows the process of insolvency to liquidate assets and, this way, with the arising profit, the payment of credit liabilities, may not be reached as a whole. For this purpose, a legal, doctrinal and jurisprudential analysis has been pursued trying to focus on a clear idea about how to establish an articulation between legal institutions: the regulation of consumer credit and creditor’s claims satisfaction. From the research it was possible to grasp that the legal institution of discharge of the remaining debts is centred on the regulation of consumers’ over-indebtedness, trying to avoid ad eternum liability for debts contracted and allowing, at the same time, a faster debtor’s financial rehabilitation. It is a common feature in other legal systems, although it has some procedure differences. Despite the sense of discharge of the remaining debts within insolvency proceedings, creditors, who are the strongest party, since the primary goal of the proceedings is the satisfaction of their credit claims, end up to be, with the legal granting of insolvency, the ones who are less beneficiated due to the debtor’s protectionism. The present work aims to contribute to a better understanding of pertaining questions about the concerned institutions.
The present dissertation entitled “Discharge of remaining debts and proceedings with the purpose of insolvency”, aims at, by the one hand, analysing the legal institution, protective by excellence of individual insolvent debtors, known as discharge of remaining debts, and, on the other hand, the way how the creditors’ claims, which is the purpose of insolvency, are assured. The possibility the individual insolvent debtor has to relieve from some of his debts, if in a due time, five years, along with a conduct of good faith concerning the imposed conditions, in case the concession of discharge of the remaining debts is granted, allows the process of insolvency to liquidate assets and, this way, with the arising profit, the payment of credit liabilities, may not be reached as a whole. For this purpose, a legal, doctrinal and jurisprudential analysis has been pursued trying to focus on a clear idea about how to establish an articulation between legal institutions: the regulation of consumer credit and creditor’s claims satisfaction. From the research it was possible to grasp that the legal institution of discharge of the remaining debts is centred on the regulation of consumers’ over-indebtedness, trying to avoid ad eternum liability for debts contracted and allowing, at the same time, a faster debtor’s financial rehabilitation. It is a common feature in other legal systems, although it has some procedure differences. Despite the sense of discharge of the remaining debts within insolvency proceedings, creditors, who are the strongest party, since the primary goal of the proceedings is the satisfaction of their credit claims, end up to be, with the legal granting of insolvency, the ones who are less beneficiated due to the debtor’s protectionism. The present work aims to contribute to a better understanding of pertaining questions about the concerned institutions.
Descrição
Palavras-chave
Direito da insolvência Exoneração do passivo restante Consumidores Pessoa singular Teses de mestrado - 2015