![](\"https:\/\/newss.ro\/wp-content\/uploads\/2026\/04\/portofel-gol-696x393.jpg\" "\\"portofel")
<\/a><\/div>\nTot mai mul\u021bi rom\u00e2ni \u00ee\u0219i declar\u0103 falimentul personal. Cei mai mul\u021bi sunt afecta\u021bi de sc\u0103derea nivelului de trai. Num\u0103rul celor care vor s\u0103 pl\u0103teasc\u0103 datoriile \u00een rate ori prin v\u00e2nzarea bunurilor a atins, anul trecut, cel mai ridicat nivel din ultimii opt ani.<\/p>\n
Cet\u0103\u021benii care ajung \u00een incapacitatea de a-\u0219i pl\u0103ti datoriile pot apela la legea insolven\u021bei persoanelor fizice. Exist\u0103 \u00eens\u0103 \u0219i condi\u021bii: veniturile curente s\u0103 nu mai acopere pl\u0103\u021bile, datoriile s\u0103 nu fi fost f\u0103cute cu rea inten\u021bie \u0219i s\u0103 nu aib\u0103 condamn\u0103ri pentru fraude.<\/p>\n
Autorit\u0103\u021bile vor ca insolven\u021ba personal\u0103 s\u0103 fie accesibil\u0103 c\u00e2t mai multor oameni, mai ales c\u0103 num\u0103rul solicit\u0103rilor a tot crescut: \u00een primele trei luni, au fost \u00eenregistrate 83 de dosare. ANPC a preg\u0103tit reguli noi care s\u0103 \u00eei ajute pe datornici s\u0103 se redreseze financiar.<\/p>\n
Cei care vor s\u0103 beneficieze de un plan de plat\u0103 a datoriilor \u00een rate ori s\u0103 \u00ee\u0219i v\u00e2nd\u0103 bunurile pentru le acoperi, trebuie acum s\u0103 aib\u0103 restan\u021be de cel pu\u021bin 15 salarii minime brute pe economie. Adic\u0103 peste 60 de mii de lei. Autorit\u0103\u021bile vor s\u0103 coboare acest prag, la doar 10 salarii, adic\u0103 pu\u021bin peste 40.000 de lei. Astfel, mai mul\u021bi cet\u0103\u021beni ar putea apela la avantajele insolven\u021bei personale.<\/p>\n
Proiectul de modificare a Legii insolven\u021bei persoanelor fizice este \u00een dezbatere public\u0103 \u0219i ar putea fi adoptat de Guvern \u00een perioada urm\u0103toare.<\/p>\n<\/div>\n
[analyse_source url=”https:\/\/newss.ro\/2026\/04\/14\/romani-in-faliment-personal\/”]<\/p>\n","protected":false},"excerpt":{"rendered":"
[analyse_image type=”featured” src=”https:\/\/newss.ro\/wp-content\/uploads\/2026\/04\/portofel-gol.jpg”] Tot mai mul\u021bi rom\u00e2ni \u00ee\u0219i declar\u0103 falimentul personal. Cei mai mul\u021bi sunt afecta\u021bi de sc\u0103derea nivelului de trai. Num\u0103rul celor care vor s\u0103 pl\u0103teasc\u0103 datoriile \u00een rate ori prin v\u00e2nzarea bunurilor a atins, anul trecut, cel mai ridicat nivel din ultimii opt ani. Cet\u0103\u021benii care ajung \u00een incapacitatea de a-\u0219i pl\u0103ti datoriile […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[226,73],"class_list":["post-1888839","post","type-post","status-publish","format-standard","hentry","category-politics","tag-crawlmanager","tag-newss-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1888839","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1888839"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1888839\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1888839"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1888839"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1888839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
![](\"https:\/\/newss.ro\/wp-content\/uploads\/2026\/04\/portofel-gol.jpg\" "\\"portofel")
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