Croatian Government help blocked citizens?

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The Croatian Government on its official website has finally announced the Protocol, instructions and all required documentation according to which too much debt and blocked citizens can take advantage of measures debt


About 60,000 highly indebted citizens and their families, including retirees, the unemployed, people with low incomes and people with disabilities have the opportunity to take advantage of temporary and one-off measures of the Croatian Government which they are offered a fresh start. On their official website The Government has announced the details and the Protocol on the procedure of implementation of the measures to mitigate the financial difficulties of a certain number of citizens who are debtors in the procedures enforced collection of small value claims on money, as is the full name of this initiative.

Requests for cancellation of the debt may be submitted from February 2 to 30 June 2015. The debts may be deducted citizens whose account is blocked for more than a year, ended September 30, 2014 in the amount up to 35,000 kuna cumulatively by all creditors, which is recorded in Fini.

 

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'We have nothing against the government to help the socially vulnerable, but it is not a solution for people with blocked accounts because it will be the decision of the Amnesty debt include only the poorest fifth of the 320,000 blocked, "said the coordinator of Public Relations Association Blocked Anthony Hugo.

Blocked not seek to anyone that forgives, but insists that allow people to work to make themselves began to return debts, says Hugo.

Among blocked a lot of small tradesmen who have had to close after execution Crafts. These people should be allowed to re-open trade, to start working and default on its debt, otherwise their interest on debts grow.

We also ask amend legislation that might not block the two-thirds of monthly income, said Hugh and brought the fact that the debt of citizens blocked monthly increases for billion.

While government systematically begins to solve the problem, once the debt forgiveness to 35,000 kuna is another in a series of decisions' to be doing something, but not systematically and seriously, "says Hugh adding that urgently needs to be changed Enforcement Act.
As with many citizens who owe more than 35,000 kunas

Agreement for debt forgiveness for the poorest citizens is commendable, however, a large number of citizens have debts of more than 35,000 kuna, and for them nothing will change, although within the same or even more severe financial difficulties, said the legal advisor for consumers in Osijek Dunja Mak.

Therefore, the consumer hope that one government's decision will not be the last decision that citizens facilitates their existence is threatened.

Citizens who meet the criteria set out in the Government's decision Mak advised that before applying examine thoroughly the criteria and be sure to pay attention to requests sent on time, to 30 June.

Citizens should also be borne in mind that, as the applicants, to be entered in the Register of debt in Nice and it will be recorded up to three years. In this period will be obliged to report Fini changes in assets in the amount of more than 100,000 kuna (inheritance, lottery, donation, etc.).

In this period, creditors who are forgiven debt will be able to deny the provision of citizen services, except if this endangers the fulfillment of his basic needs, says Mak and ordered to be interested in any information can contact the counseling to consumers in Osijek, Zagreb, Pula or Split or at phone number 072 414 414.
The government's decision for many is a new beginning

However, regardless of the amount of total debt and the number of blocked, the government decision to write-off will certainly mean a new beginning and an opportunity for about 60,000 citizens. This is a one-off debt relief for the destitute, and the cabinet says that such a measure would not happen again.

To further address the problem in the preparation of the consumer bankruptcy law, ie, what is commonly called the law on personal bankruptcy.

But I was on the draft already sent a number of objections to the undeveloped with large legal gaps.

So in the statement published on the website of the Independent Croatian Unions, president and trade union confederations Kresimir Sever says shows that the borrower / consumer cost-effective to be under enforcement but to launch a bankruptcy.

The consumer is left to have to propose solutions without professional help, so the question of his knowledge, and ability to propose quality solutions.

The assumption of restructuring or rescheduling of debt is professional management of such debt, as the draft law does not guarantee. The Bankruptcy Act of consumers makes sense only if you allow debt management with the technical assistance and training on financial management, warns North. (Hina)



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