| 篇名 |
消費者債務清理的漏網之魚──法院針對債務有無不能清償之虞認定之情形 |
| 並列篇名 |
The Omission of Consumer Debt Clearance: the Court’s Determination of “the Risk of Inability to Repay” |
| 作者 |
薛煒育 |
| 中文摘要 |
消費者債務清理條例於2008年4月11日施行迄今已逾15年，期間聲請更生或清算事件之裁准比例均有顯著提升，惟我國法院仍有以債務人不符合消費者債務清理條例第3條規定「債務人不能清償或有不能清償之虞」要件為由，駁回債務人更生或清算之聲請情形。本文嘗試透過具體個案之分析，探討常見債務人可能經認定不符合「債務人不能清償或有不能清償之虞」之情形及不同觀點。希冀消費者債務清理案件可以協助更多債務人及其家屬，減少因債務問題發生憾事之可能。 |
| 英文摘要 |
The Consumer Debt Clearance Statute has been in effect for over 15 years since its implementation on April 11, 2008. During this period, there has been a significant increase in the approval rate of applications for consumer debt rehabilitation or liquidation. However, despite this trend, there are still instances where our courts reject such applications on the grounds that the debtor does not meet the criteria outlined in Article 3 of the Consumer Debt Clearance Statute, which stipulates that “the debtor is inability to repay or is at risk of inability to repay.”
This article attempts to explore common scenarios where debtors may be deemed ineligible for consumer debt clearance based on the criterion of “the debtor is inability to repay or is at risk of inability to repay.” Through the analysis of specific cases and different perspectives, it aims to shed light on the challenges faced by debtors in seeking rehabilitation or liquidation. The ultimate goal is to facilitate more debtors and their families in resolving debt issues and preventing potential tragedies. |
| 起訖頁 |
44-55 |
| 關鍵詞 |
不能清償之虞、駁回理由、實際收入、必要支出、財產、The Risk of Inability to Repay、Grounds for Dismiss、Actual Income、Necessary Expenses、Property |
| 刊名 |
月旦財經法雜誌 |
| 出版單位 |
元照出版公司
|
| 期數 |
202410 (2024年特刊期) |
| DOI |
10.53106/1815008XS013 複製DOI DOI申請 |
| QRCode |
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