(Finance) – The new ‘suicide-saving’ law finds practical application in the crisis code with art. 283. In particular a Naplesfirst case in Campania (second nationally after Taranto), the request for a ‘incompetent debtor‘, by the manager of the over-indebtedness crisis, Ezio Starry (chartered accountant and expert in the field of recovery and tax collection), appointed by the mediation and crisis settlement body ‘Medì’, led by Richard Izzo (new president of the ADR – Alternative Dispute Resolution – National Commission of the Cndcec), which refers to the Order of Chartered Accountants and Accounting Experts of Naples, chaired by Eraldo Turi.
There legislation introduced with the ‘Decree Refreshments‘ of 2020 amended the ‘anti-suicide’ law launched in 2012, introducing the procedure in favor of over-indebted subjects who have lost all assets (the so-called debt relief). The objective of the law is to offer the debtor, a natural person, the possibility of fully getting rid of his debts, even in cases where he does not have assets to make available to competing creditors.
The manager appointed has deemed it possible to apply the principle of ‘debtor incompetent‘ for the defaulting Neapolitan taxpayer. “From a careful analysis carried out – underlined Stellato – it emerged that the subject has a minimum income and has no possibility of offering goods to the procedure, uses a used car, has not made crazy or irrational expenses and has contracted debts exclusively for support the family with her 4 children. The ethical value of being born and raised in Scampia always leads me to evaluate these cases so carefully that they do not deserve just a assessment economic pure but also social. With ‘Medì’, having examined the application and assessed its feasibility, the definitive seal was requested from the court.
It is necessary to point out – he added – that these new tools put in place are concretely more effective in saving families in default who have suffered a real economic shock with the health emergency, the war in Ukraine, the ‘expensive energy’ and double-digit inflation, resulting in an increase in the absolute poverty with two million families who do not make ends meet, of which over 40% live in the Noon”.