When an individual is declared bankrupt,his business must necessarily be a financial manager. This is stipulated in Article 213.9 of the Law on Insolvency (Bankruptcy). What is a financial manager for individuals? How to become him? These and other questions will be answered within the framework of this article.
Initially, let's find out who it is -financial manager for individuals. This is what arbitration managers are called, which are approved by the court in order to participate in the bankruptcy case of a particular citizen. Speaking of who can act in this role, you should list a short list of requirements. They are as follows:
Where to get the financial manager for the physicalpersons in bankruptcy? For this purpose, a special decision of the arbitration court is made, which considers the relevant application of the citizen. So, when a person submits an application, he must simultaneously specify a self-regulating organization of managers, from which participants will be assigned a responsible frame. But the final statement still depends on the decision of the arbitration court.
In some cases, the proposed candidaturecan be rejected. If there is no idea of where to find a financial manager for individuals, then it is necessary to refer to the list of organizations that is available on the website of Rosreestr. If several applications are submitted (for example - from different creditors), then the court selects the person from the structure, the information about which was filed first.
Remuneration of the financial manager forof individuals is paid out of the debtor's funds and consists of two parts: a fixed amount of money and a certain percentage. What are their sizes? The fixed amount is ten thousand rubles (one time) for conducting the necessary procedure, which is applied during bankruptcy. All this money must be paid by the applicant to the account of the arbitration court at the time of application. They are paid after the completion of the procedure, which is used in the case of bankruptcy of a citizen, regardless of the period of its consideration.
Concerning interest:the administrator receives for his work two percent of the size of the claims of creditors or from the sale of the property of a person. Payments are made at the expense of funds that were received as a result of property restructuring. In addition, the financial manager for individuals receives compensation for all expenses that they actually incurred during the performance of the duties assigned to him.
A financial manager for individuals can:
The financial manager must:
To facilitate the work of the financial manager,It is stipulated at the legislative level that a citizen should maximally promote his activities. So, at the first request, you must provide the necessary information about the property, its location, liabilities and creditors. If a citizen does not comply with these requirements, an application for evidence is sent to the arbitration court, on the basis of which the legal authority will issue the requests to the financial manager, to which he will receive an answer in his hands. If a citizen hides information about his property, duties or assets, information about their size, location, etc., this entails responsibility, respectively, with the laws of the Russian Federation.
Yes, it is quite possible.When can financial services for individuals be terminated? The most important administrative moment is the decision of the arbitration court. In order to release the financial manager, you need a statement of the administrative manager or a petition of the self-regulatory organization in which it is composed. This may be the case when the responsible person leaves the structure. The reasons for the removal of an order of magnitude more. Here is a short list, where everything is painted:
When the financial manager is suspended from the performance of duties, the arbitration court must approve the new responsible person.
You can talk a little more about how to findfinancial manager for individuals. Of course, it is desirable that he worked in the interests of a citizen who declared his bankruptcy. Many in such cases use the services of familiar people who will try to get the most favorable conditions for the bankrupt. Of course, there is no need to fully rely on the success of their actions, because it still depends a lot on creditors and the ability to sell property at the maximum price. Also, we should not forget about communicative qualities. After all, creditors also have the right to remove the financial manager from the performance of duties. Therefore, to turn things around cheaply and transfer everything to a trusted or false person will not work.
The best option in this situation is generallyit does not fall. To do this, you should plan your activities and have reserves for unforeseen problems. In this case, you will not need to take loans and get into debt.