Post by account_disabled on Mar 12, 2024 7:07:58 GMT
If the ordinary income is sufficient to cover the basic needs of the family and yet external financing is sought that cannot be paid, it is considered a lack of diligence and the blame is placed on over-indebtedness .
Without a doubt, prudence is a good premise to consider whether a debtor deserves forgiveness of his debts.
It must be taken into account that, in the exoneration Email Data regime, the creditor is being deprived of his main right , that of collection; and this must be linked to honesty on the part of the debtor or, at least, to the sequence of unfortunate events.
However, it is not fair that in bankruptcy proceedings this duty of prudence falls solely on the figure of the applicant for financing, the debtor.
To what extent can a person be considered irresponsible for exercising the right to be financed?
The loan is a mechanism to access a specific amount of money and start an operation; mechanism that is very present, accepted and internalized in the modus operandi of Spanish society .
Seven out of ten people apply for financing . Being so culturally normalized means that access to information by entities can “spin” increasingly finely, whether we like it or not.
By this I mean that the entities that provide financing must carry out an evaluation of the applicant's situation and their solvency to grant them loans.
What's more, they have the necessary research tools to do so. The initial valuation is an inherent step at the exchange headquarters, at the financial headquarters. And, from my point of view, this makes this diligence even more required .