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Credite neachitate, mostenitorii ce fac ?

Adaugat la ianuarie 21, 2014 de arimob in Fără categorie

Credite neachitate, mostenitorii ce fac ?

Ce faci cu creditele neachitate, dacă eşti moştenitorul datornicului?
În unele situaţii neplăcute, poţi ajunge dator la o bancă fără să ai vreo implicare directă. Aceasta este situaţia moştenitorilor, atunci când decesul a survenit înainte ca datoria proprietarului către bancă să fie stinsă. Vestea bună este că, potrivit noii legislaţii, s-a stabilit un set de condiţii favorabile în cazul datoriilor moştenite prin succesiune.
Noul Cod Civil, intrat în vigoare anul trecut, a impus un set de legi favorabil pentru cei care dobândesc datorii prin decesul celor pe care îi moştenesc. Astfel, banca nu mai are dreptul legal să execute bunurile moştenitorului pentru datoriile moştenite.
„Art. 1114, alin 2 prevede că moştenitorii legali şi legatarii universali sau cu titlu universal răspund pentru datoriile şi sarcinile moştenirii numai cu bunurile din patrimoniul succesoral, proporţional cu cota fiecăruia”, arată specialistii conso.ro
Astfel, pusă în faţa acestei neplăcute situaţii, banca nu poate decât să execute bunurile deţinute de persoana decedată. Dar şi această măsură se impune doar în cazurile de forţă majoră. Mulţi moştenitori pot alege să achite în continuare ratele obţinute poate fără voie sau fără un plan anterior. Ceea ce este important de verificat este existenţa unei asigurări de viaţă ataşate creditului. Dacă aceasta există şi evenimentul produs se află pe lista riscurilor asigurate, societatea de asigurări trebuie să vă despăgubească. În cazul în care cererea de despăgubire este respinsă în mod nejustificat, atunci se poate depune o reclamaţie la Comisia de Supraveghere a Asigurărilor.
Sursa: media.imopedia.ro

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