Autore
Macario, Francesco

Titolo
Sovraindebitamento e procedure di esdebitazione per i debitori "non fallibili". Il completamento della riforma
Periodico
Osservatorio del diritto civile e commerciale
Anno: 2012 - Fascicolo: 2 - Pagina iniziale: 203 - Pagina finale: 220

At the beginning of 2012 the Italian legislatorhas finally adopted a law about the over indebtness of the small businesses (i.e., those enterpriseswhich may not be declared insolvent according to the Italian bankruptcy law) and veryrecently the scope of the law has been enlarged, including also the consumer, with specificrules dedicated to a simplified procedure, in order to allow the discharge and therefore permitthe so called «fresh start» for both the consumer and the small business. Although the Lawis in principle opportune, may be necessary at the time of such an economic depression (as acentral policy issue not only in Italy, but of course within the entire UE), the solutions adoptedby the new Italian Law need be tested in the praxis of the courts. The lawyers will be involvedin many complex legal problems, since the procedural as well the material rules have beendrafted on the model of the recently reformed Insolvency Law, even though the debtor is, bydefinition, not the same enterprise subject to the same Insolvency Law. The main contractualinstrument is, in fact, the agreement with a certain percentage of the creditors for the restructuringof the debts and the role of the court is that of a supervisor on the correctness of theprocess of admitting the debtor to the procedure and the subsequent performance of the obligationsassumed by the debtor and, eventually, the third parties intervening as guarantors.



SICI: 2281-2628(2012)2<203:SEPDEP>2.0.ZU;2-3
Testo completo: http://www.rivisteweb.it/download/article/10.4478/72688
Testo completo alternativo: http://www.rivisteweb.it/doi/10.4478/72688

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