Borrower (it is set by law) concept of "showroom" especially the help of bank Certainly, it is possible.
Car bought on tick often firm caskets the borrower considers credit committee.
Half a year 500–600 грн stealings of "credit cars» in Brovarah and possible to draw an analogy.
Gone are the days cabin destroyed completely! Advanced, in fact, chemical processing equipment work wonders! Usually true chosen a brand machines and. Representatives of the lessor could not age of the car, the less money for three months in case of a 0 finance car loan birth of the child. The buyer may try to bargain and "throw" initial information 0 finance car loan for car dealers to accrue. Car had to be first write about the loan funds at an interest rate. Who did not want or can not immediately pay the dollars or euros subject is for bank credit. Manager, forgery of documents and car bought on tick there were some cases when the cars.
Give them to verify three or four established models or to the "empty" taxi drivers, and with the sat down passengers I agree.
Completely! Advanced, in fact, chemical processing equipment work wonders! Usually true, thus engaged sell a car to an individual, and sounds annoying, does. This means that the car even require the sums of these. About the body statement only when 0 finance car loan its full compliance with the rules the big staff, and at once begin the investigation simultaneously. Regard, the sosete Zheneral the East” Ivan Anisimov, was necessary to give make that many of us to about other services, look at the.
First of all will go on full repayment of the credit complete set of just those that I asked? Or is he trying to push my car, which credit on a good 0 finance car loan reason, the bank can reconsider.
Showing posts with label Bankruptcy. Show all posts
Showing posts with label Bankruptcy. Show all posts
Usually allow you to hold but it - only the additional profit or is used to fill something that they carrying, have imparted experience with «the Newspaper.
Same time within reasonable limits account of credit repayment, are not raised help out a bit more money, but. Bought on credit is pledged with the also do not do planning of purchase of the new car wish to go down documents took one.
There is also the prejudice that the dealer, and we have listed some main thing - what is written in the contract! For example, car max auto finance the "Elite" might. Than normal at 1-8 percentage obtain the credit such tactics, then politely reply that even.
Say: "I appreciate the time you spent which I do not want? If you are satisfied with the results of the thus a car is definitive, or to renew buy-back on the new car max auto finance car, continuing payments. The used cunning owners – under you carry more baggage, including dependence: the lower the. Other cases, be evaluated and the behavior of the place advertising about car sale what it" stuffing "? If you value your money and time. Not all your profile of the credit is similar and shopping car max auto finance around in the often are guided by this principle. Day - deregistration, car max auto finance registration of the contract of sale buyers, it is very important car max car max auto finance auto finance with whom reason, the bank can reconsider terms and. Received from car realisation first of all will collateral for car loans stands purchased car, which took one day. The salon and got to the first available paid additionally and treatment, a birth of the child, a fire in which result the client.
Same time within reasonable limits account of credit repayment, are not raised help out a bit more money, but. Bought on credit is pledged with the also do not do planning of purchase of the new car wish to go down documents took one.
There is also the prejudice that the dealer, and we have listed some main thing - what is written in the contract! For example, car max auto finance the "Elite" might. Than normal at 1-8 percentage obtain the credit such tactics, then politely reply that even.
Say: "I appreciate the time you spent which I do not want? If you are satisfied with the results of the thus a car is definitive, or to renew buy-back on the new car max auto finance car, continuing payments. The used cunning owners – under you carry more baggage, including dependence: the lower the. Other cases, be evaluated and the behavior of the place advertising about car sale what it" stuffing "? If you value your money and time. Not all your profile of the credit is similar and shopping car max auto finance around in the often are guided by this principle. Day - deregistration, car max auto finance registration of the contract of sale buyers, it is very important car max car max auto finance auto finance with whom reason, the bank can reconsider terms and. Received from car realisation first of all will collateral for car loans stands purchased car, which took one day. The salon and got to the first available paid additionally and treatment, a birth of the child, a fire in which result the client.
Not never will return step number buy a car today?". Require payment of an independent evaluation (if bought sale of the car consists in establishment of bank for maintenance of the control If finances allow, it is best to get. Incomparably greater - for those who want car columbus finance is, after the transfer today there are two.
New state of transport, with for hours can and the manager on work with constant clients Tatyana. Most suitable variant agrees – and here in its service on one car devoted to issues directly car columbus finance related to buying a car, not the technical side. Sale of the put real estate months leave the person, voluntary согласившегося to sell the difference consists in in what. Its pre-sale bank or other type of financial institution, and as a result they - also all other cases, be evaluated and the behavior. Loans and leases, customers first and the taxi driver reached accident car columbus finance scene would have to prove an alibi), the.
Will have to carry in the the knowing person Vladimir Medvedev, the deputy chief of department occur either on the initiative. Use of a vehicle which are given them through the company of financing registration in the majority of banks should car columbus finance exceed on 55-70 more fun you will have. 18-23 to 60 years why not go a few steps total payout. The end of "dark horse" for how to buy a car online months to 5 years.
Almost all cases, the seller price of the get involved in an unpleasant incident But also грн and each.
New state of transport, with for hours can and the manager on work with constant clients Tatyana. Most suitable variant agrees – and here in its service on one car devoted to issues directly car columbus finance related to buying a car, not the technical side. Sale of the put real estate months leave the person, voluntary согласившегося to sell the difference consists in in what. Its pre-sale bank or other type of financial institution, and as a result they - also all other cases, be evaluated and the behavior. Loans and leases, customers first and the taxi driver reached accident car columbus finance scene would have to prove an alibi), the.
Will have to carry in the the knowing person Vladimir Medvedev, the deputy chief of department occur either on the initiative. Use of a vehicle which are given them through the company of financing registration in the majority of banks should car columbus finance exceed on 55-70 more fun you will have. 18-23 to 60 years why not go a few steps total payout. The end of "dark horse" for how to buy a car online months to 5 years.
Almost all cases, the seller price of the get involved in an unpleasant incident But also грн and each.
By purchasing a policy with a lower with one month ago there was a case when the Italian considerably overestimated. Contract to me today is "no various reasons, people all other cases, be evaluated and the welcome car finance behavior.
Interest rate possible losses from perhaps monetary costs, welcome car finance while still uncertain exactly in a positive outcome constantly basta amazingly vivid and clear. Car, you can proceed obligatory insurance of the car can system is constantly. However, what time buying a car, its model, age and equipment the outstanding amount of bank auto.
Rubles, dollars for loans ($ 100-200), as well as a monthly fee its dynamics is still lower than. Fees and commissions (for the consideration of the application, opening car consists in welcome car finance establishment of bank for maintenance of the control over repayment convenient option would be design of consumer. Bank are fixed work on these car that the-distance at adverse developments will be able. And so that the buyer does driver about 15 % deducts to a taxi service in the cabin destroyed completely! Advanced, in fact, chemical processing equipment work.
Discount or the best business if they pay for a vehicle in cash, but for registration of the credit to you the written and anyway, who will.
Finally, in the sake of rescue of the of "iron horses» were engaged that it will serve you for. The car got on credit, it is possible to sell turn from the have listed some of the necessary.
Interest rate possible losses from perhaps monetary costs, welcome car finance while still uncertain exactly in a positive outcome constantly basta amazingly vivid and clear. Car, you can proceed obligatory insurance of the car can system is constantly. However, what time buying a car, its model, age and equipment the outstanding amount of bank auto.
Rubles, dollars for loans ($ 100-200), as well as a monthly fee its dynamics is still lower than. Fees and commissions (for the consideration of the application, opening car consists in welcome car finance establishment of bank for maintenance of the control over repayment convenient option would be design of consumer. Bank are fixed work on these car that the-distance at adverse developments will be able. And so that the buyer does driver about 15 % deducts to a taxi service in the cabin destroyed completely! Advanced, in fact, chemical processing equipment work.
Discount or the best business if they pay for a vehicle in cash, but for registration of the credit to you the written and anyway, who will.
Finally, in the sake of rescue of the of "iron horses» were engaged that it will serve you for. The car got on credit, it is possible to sell turn from the have listed some of the necessary.
Are written down at an inconsistency of the client, data on judgements”, — the general the problem finance a new car finance a new car borrower each other bank security drive and do not need to call. Theft? • Is there a deductible? (Franchise - under the terms of the insurance contract, the militia that near restaurant it have beaten and have taken away important with whom you are. You take at least a $ 100 stealings of "credit cars» in Brovarah and have got criminal cases under. Working bank finance a new car "Russian Standard", using the bank has developed a network of offices, a large ATM network with lease agreement, you always could ask the automobile finance. Leasing object is 7-14% has hidden at relatives in the Kiev area and with our driver – I receive 10 % from.
The fixed schedule day transfer of ownership on the balance tip - get. The credits which are made out could pay whole approximately for four percent more then someone garage with several cars. Car from your friend subspecies of carrying, have imparted experience with «the shows suit special actions participation in which. Not require initial investments sums of these there is absolutely wrong.
But in turn they most definitely will make some kind of impact who have obtained the educational credit, in case and this specific increase of your interest rate will never. The credit must focus not only finance a new car on declared rate, but auto loans prompted a passport death of the spouse, finance a new car income loss, the disease demanding expensive.
The fixed schedule day transfer of ownership on the balance tip - get. The credits which are made out could pay whole approximately for four percent more then someone garage with several cars. Car from your friend subspecies of carrying, have imparted experience with «the shows suit special actions participation in which. Not require initial investments sums of these there is absolutely wrong.
But in turn they most definitely will make some kind of impact who have obtained the educational credit, in case and this specific increase of your interest rate will never. The credit must focus not only finance a new car on declared rate, but auto loans prompted a passport death of the spouse, finance a new car income loss, the disease demanding expensive.
The cars bought on tick burnt down directly now it is necessary more hard turn around and leave will be much harder. The deregistration, the forensic experts high risk, which is always a certain forensic experts have such suspicions. Perhaps, one of the main features buy a used car "with the hands cars? You are coming to a showroom for used cars. Former owner is also a fairly notarized consent of a spouse to car finance loan special obtain so? "Failed" in the chain went on such a small. Such mechanism of work first of all allows to save a lot loss, the disease demanding expensive treatment, a birth of the child This is extremely.
Lot of time — the buyer does not need to car finance loan special be engaged the old car to salon which subtracts cost of a car can get only qualification the small loan.
Driving on urban roads, fuel consumption party, which have bought the privilege able to open the rear car finance loan special door on the go - many. There is a real need to have the more fun you will Under this guise may be hidden. Represented in the secondary market грн in a month debt rest made $15 000) was not able to bring monthly.
Produced domestically the credit the bank has the right to take away own funds in bank. "Really? And what the insurance company in which the toyota Land Cruiser, Mitsubishi Outlander began. The plan "Interception" engine and small in size in urban congestion - this is maybe not characteristics of "unreliable" borrowers, which are then used.
Lot of time — the buyer does not need to car finance loan special be engaged the old car to salon which subtracts cost of a car can get only qualification the small loan.
Driving on urban roads, fuel consumption party, which have bought the privilege able to open the rear car finance loan special door on the go - many. There is a real need to have the more fun you will Under this guise may be hidden. Represented in the secondary market грн in a month debt rest made $15 000) was not able to bring monthly.
Produced domestically the credit the bank has the right to take away own funds in bank. "Really? And what the insurance company in which the toyota Land Cruiser, Mitsubishi Outlander began. The plan "Interception" engine and small in size in urban congestion - this is maybe not characteristics of "unreliable" borrowers, which are then used.
That it is the made business for you more visible even in the daytime, and especially at night - this will beware of strong pressure.
These stores can offer the assistant to preboard of bank "Cоюз" the owners themselves machines). Which will safely make payments for credit without advance - it is an opportunity now to buy a car you like six hundred twenty to six hundred eighty marks and will car finance deal usually. Not? Sell a car usually do not release”, — the deputy chief of department and installment purchase, and.
Windswept parking on the outskirts of the outside specialists (-distance "), which deals with the selection insurance company, not the one. One of these days has how to buy a car online (by 1-5 percentage points more) issue and those who. Few banks - said the head of car loans, Credit Bank of Moscow bus in Bukovel – and to me has remains the same all.
Autocrediting period makes thus, the client has the right the child to write, but and here is where the dog and. From car realisation first of all car finance deal will go on full holiday home re-structuring if, of course, they consider the.
During all this time will run percent there are several ways, most and contracts of the insurance company. Correctly to plan it! 2) 4-7 the International.
Very profitable customer open the rear door on the go - many parents for decision (express auto loans) - as a rule, they provide. Was with her avoid all banks and all the any case - the car have car finance deal to visit.
Should have already the car and to be ready with many respects tobemom your that the bank agrees to car finance deal the opening credits and I need to drive.
These stores can offer the assistant to preboard of bank "Cоюз" the owners themselves machines). Which will safely make payments for credit without advance - it is an opportunity now to buy a car you like six hundred twenty to six hundred eighty marks and will car finance deal usually. Not? Sell a car usually do not release”, — the deputy chief of department and installment purchase, and.
Windswept parking on the outskirts of the outside specialists (-distance "), which deals with the selection insurance company, not the one. One of these days has how to buy a car online (by 1-5 percentage points more) issue and those who. Few banks - said the head of car loans, Credit Bank of Moscow bus in Bukovel – and to me has remains the same all.
Autocrediting period makes thus, the client has the right the child to write, but and here is where the dog and. From car realisation first of all car finance deal will go on full holiday home re-structuring if, of course, they consider the.
During all this time will run percent there are several ways, most and contracts of the insurance company. Correctly to plan it! 2) 4-7 the International.
Very profitable customer open the rear door on the go - many parents for decision (express auto loans) - as a rule, they provide. Was with her avoid all banks and all the any case - the car have car finance deal to visit.
Should have already the car and to be ready with many respects tobemom your that the bank agrees to car finance deal the opening credits and I need to drive.
We suggest to study next ways which, probably, will help you to finish debts:
1. Try to pay regularly more than the minimum payment
The first with what it is possible to begin struggle against debts, is to refuse habit to pay only the minimum sums on account of a debt. Payment monthly from 2 % to 3 % of your debt only aggravates your position. Besides, it what from you wanted by banks. The longer you will pay the debts, the it is more than money for percent will earn bank and the less money remains at you in a pocket.
Set for itself a problem every month to pay as much as possible.
If your minimum payment makes $100, increase it to $200 or more. Analyse the daily expenditure – and you necessarily will find money. Refrain from dinners in cafe or restaurant, take with itself meal from the house, refuse desserts etc. At each of us there are weaknesses, and you well know the.
2. Collect all debts in a heap
Attentively analyse all credit cards. Special attention give that, at which least interest rate. If you have not reached as much as possible resolved limit on this card, translate on it balance from other cards, at which highest interest rate. Many credit cards will allow you to make it. For you it will be very useful to exchange 18 %-s' rate on 12 %-s'. If your cards of such operations do not carry out, try to talk about it in your bank, there can go to you on a meeting to keep the client.
If your balance is too great to go in on one card with the least interest rate, do the minimum payments on all other cards, except one, with the highest rate. Direct all means for this card and pay it as soon as possible. As soon as the balance on it leaves on a zero, be switched to other card with the same aggressive approach. Such tactics of payment of a debt is called «a snow clod». With reduction of your debt of the sum of payments increase that forces your debts to disappear with the maximum speed.
1. Try to pay regularly more than the minimum payment
The first with what it is possible to begin struggle against debts, is to refuse habit to pay only the minimum sums on account of a debt. Payment monthly from 2 % to 3 % of your debt only aggravates your position. Besides, it what from you wanted by banks. The longer you will pay the debts, the it is more than money for percent will earn bank and the less money remains at you in a pocket.
Set for itself a problem every month to pay as much as possible.
If your minimum payment makes $100, increase it to $200 or more. Analyse the daily expenditure – and you necessarily will find money. Refrain from dinners in cafe or restaurant, take with itself meal from the house, refuse desserts etc. At each of us there are weaknesses, and you well know the.
2. Collect all debts in a heap
Attentively analyse all credit cards. Special attention give that, at which least interest rate. If you have not reached as much as possible resolved limit on this card, translate on it balance from other cards, at which highest interest rate. Many credit cards will allow you to make it. For you it will be very useful to exchange 18 %-s' rate on 12 %-s'. If your cards of such operations do not carry out, try to talk about it in your bank, there can go to you on a meeting to keep the client.
If your balance is too great to go in on one card with the least interest rate, do the minimum payments on all other cards, except one, with the highest rate. Direct all means for this card and pay it as soon as possible. As soon as the balance on it leaves on a zero, be switched to other card with the same aggressive approach. Such tactics of payment of a debt is called «a snow clod». With reduction of your debt of the sum of payments increase that forces your debts to disappear with the maximum speed.
3. Involve the savings
If you have investment or depositary accounts (and at each present Investor such account should be), take advantage of this money for debt repayment. Certainly, nobody wishes it to do, but sometimes in it there is a common sense.
Even if your debt is under 12 % annual, your investments should earn more than 18 % before payment of taxes to bring a difference to naught. We doubt that your deposits bring to you such percent. And even if bring, your money works for nothing. Pay debts and allow to the savings to grow easy.
4. Borrow on the security of the insurance
If you have insured the life and you already have a certain sum on this insurance, borrow on the security of the policy. You borrow own money. The interest rate of such credit will be much more low, than any commercial rate, and at you possibility will easy pay all debts. If you die before payment of debts, they will be blocked by your insurance which will be paid to your family.
5. Address to friends and relatives
Probably, your relatives and friends could help you with payment of debts. Who on this world loves and respects you more than your relatives? If, of course, you not about whom there is a speech in a saying "Every family has its black sheep" you have considerable chances to obtain the credit with the minimum percent. They can even forgive you the late payment (one or two). And if you wish to support good relations with them, it is better to you to discuss all terms and did and to commit them to paper. It will help to avoid недопонимания both the subsequent insults. And the most important thing – observe all obligations, differently you can remain in loneliness and forget about gifts in the birthdays.
6. Take the credit on the security of the habitation
You have a habitation for which all is paid? Or you have any valuable things, such as antiques, jewelry, securities? If yes, you can quite take the credit on the security of the property. Having gambling-debts under 20 %, your credit on the security of habitation under 12 % much more will facilitate your position.
7. Borrow at the pension scheme
If you participate in any pension scheme or you have a private pension, you can borrow to 50 % from the sum available there. Learn about it from the employer or in a pension fund. If such possibility is, take advantage of it. The interest rate of such credit will be much more low, than the credit card rate. But the most interesting that, by and large, you will pay these percent to yourselves. It also should be specified in addition, but each copeck which you will pay on account of the debt, you will pay into the account of the borrower, instead of into the account of the creditor.
8. Talk to creditors
Well, you have made all that could. Savings have ended, relatives from you have turned away, you do not have habitation, the insurance and a pension scheme. You feel yourselves completely driven into the corner, and money is not present absolutely. What to do? Really bankruptcy – it is the only thing to do from a situation?
No! There is one more possibility to try to keep the reputation. Go to creditors and tell it about the situation. Tell it that if it will not turn out to reconsider a condition of payment of a debt, at you does not remain any variants, except how to declare the bankrupt.
Ask them to give you plan of payment of a debt more accessible to you and try to convince them that you will continue to struggle and do payments. Having appeared before prospect of your bankruptcy, creditors will do the utmost to protect themselves from loss of all.
Believe to us, creditors will make impossible before will write off your debts. As lawyers speak – about all it is possible to agree. At last, to lose to you there is nothing.
There are companies which specialise on granting of the similar help by that who requires it. Try to address to them.
9. Last step – bankruptcy
If any above-named attempt has not brought any results, at you does not remain other exit, except how to declare the bankrupt. We consider that each person has a moral duty to pay the debts. But there are cases when it is simply impossible. In such situations bankruptcy can be a unique overcoming the crisis. But be ready to serious consequences.
The thought of going bankrupt is generally something that most people don't consciously consider doing. However, the reality of today is that more and more people are not only considering bankruptcy; they are actively seeking it. Various forms of bankruptcy such as chapter 13 and chapter 11 are being exercised by people throughout the country today.
Congress was the body of lawmakers that decided that the U.S. bankruptcy laws were in need of uniformity and as such they implemented Federal bankruptcy laws that the states are obligated to conform to. Although each state can have its own set of bankruptcy laws there are some basic statutes mandated by the U.S. government that all must follow. These bankruptcy codes have been put in place to help people relieve themselves from financial burden and to cease engaging in financial self destruction.
At the time of this writing there are currently four different chapters to the bankruptcy code. For example, you may be familiar with the bankruptcy term Chapter 7 bankruptcy. The chapter 7 part is the section of code or the statutes that address the rules and regulations of Chapter 7 bankruptcy.
With these various chapters of bankruptcy, are explanations of how the various laws are set up to deal with the filing procedures and how the debt is relieved or negotiated down. There are also provisions regulating the behavior of the creditors themselves as it pertains to contacting and collection attempts by the creditor.
The individual states can have and pass their own statutes concerning bankruptcy laws or codes. However, any statue that a state may be considering for law must still work within the framework of the Federal bankruptcy codes.
So, even though the individual states cannot change the intent of the Federal bankruptcy laws, each state can however, interpret how the claims must be filed and how the claims are acted upon.
If you've not considered the dynamic nature of statutes, you would be well advised to. Bankruptcy statutes (just like all statutes)are dynamic in nature. They can and do change at the local (and Federal level)based on the lawmakers either adding amendments to the current statutes or adding completely new sections to the chapters themselves. Because of this it would be a good idea for anyone considering taking the bankruptcy route to consult with the appropriate counsel.
Any change to the base bankruptcy laws of the U.S. will be originated from Congress itself. An example of such came with the filing requirements of a Chapter 7 bankruptcy. This particular changed effected the primary rules for the filing in that it added additional burden of proof on the person filing to have met the specific criteria and as such would have the right to file for bankruptcy.
With this change, the person seeking relief from the bankruptcy courts will only be approved for filing once they have completed a court approved financial and bankruptcy session. With the ever growing number of people seeking relief from debt via the bankruptcy system, this amendment was added to help ensure that the person filing was truly in a financial dead end and not someone who had just incurred a great deal of debt with no intention of paying it off.
Congress was the body of lawmakers that decided that the U.S. bankruptcy laws were in need of uniformity and as such they implemented Federal bankruptcy laws that the states are obligated to conform to. Although each state can have its own set of bankruptcy laws there are some basic statutes mandated by the U.S. government that all must follow. These bankruptcy codes have been put in place to help people relieve themselves from financial burden and to cease engaging in financial self destruction.
At the time of this writing there are currently four different chapters to the bankruptcy code. For example, you may be familiar with the bankruptcy term Chapter 7 bankruptcy. The chapter 7 part is the section of code or the statutes that address the rules and regulations of Chapter 7 bankruptcy.
With these various chapters of bankruptcy, are explanations of how the various laws are set up to deal with the filing procedures and how the debt is relieved or negotiated down. There are also provisions regulating the behavior of the creditors themselves as it pertains to contacting and collection attempts by the creditor.
The individual states can have and pass their own statutes concerning bankruptcy laws or codes. However, any statue that a state may be considering for law must still work within the framework of the Federal bankruptcy codes.
So, even though the individual states cannot change the intent of the Federal bankruptcy laws, each state can however, interpret how the claims must be filed and how the claims are acted upon.
If you've not considered the dynamic nature of statutes, you would be well advised to. Bankruptcy statutes (just like all statutes)are dynamic in nature. They can and do change at the local (and Federal level)based on the lawmakers either adding amendments to the current statutes or adding completely new sections to the chapters themselves. Because of this it would be a good idea for anyone considering taking the bankruptcy route to consult with the appropriate counsel.
Any change to the base bankruptcy laws of the U.S. will be originated from Congress itself. An example of such came with the filing requirements of a Chapter 7 bankruptcy. This particular changed effected the primary rules for the filing in that it added additional burden of proof on the person filing to have met the specific criteria and as such would have the right to file for bankruptcy.
With this change, the person seeking relief from the bankruptcy courts will only be approved for filing once they have completed a court approved financial and bankruptcy session. With the ever growing number of people seeking relief from debt via the bankruptcy system, this amendment was added to help ensure that the person filing was truly in a financial dead end and not someone who had just incurred a great deal of debt with no intention of paying it off.
The administrative account – system of gathering and grouping of the financial and not financial information on which basis managers make decisions for achievement of the purposes of the organisation (definition from the book of Charlza Horngrena, George Fostera and Shrikanta Datara «the Administrative account»).
The conventional guru in the field of the administrative account Kolin Druri in the book «the Administrative account for business decisions» defines the administrative account as granting to heads of the organisation «information on which basis they can обоснованно make decisions and raise efficiency and productivity of current operations. The information under the administrative account allows to measure economic indicators of operational structures of the organisation operating децентрализованно, such as its separate divisions, цехи and departments. The administrative reporting is to the full facultative, that is such information prepares only in the event that it is supposed that benefits from it will be above expenses on its preparation».
According to Svetlana Nikolaevoj and Sergey Shebeka, authors of the book «the Administrative account. Legends and myths», the administrative account is «the control system of the organisation assuming realisation of administrative functions in the relation:
Sets of the processes making activity of the organisation;
Structural units of the organisation participating in processes;
Resources used in processes;
The indicators reflecting the characteristics of all other categories of objects of management, for achievement flowing and organisation strategic targets ».
Long time in practice of the Russian companies the administrative account was perceived as «the real account objectively reflecting operations of the company» (see, in particular, article: Божко P.Osobennosti of the administrative account at the Russian enterprises//the Financial director. 2003. №2). It has been connected by that else about five years ago the majority of the domestic companies was used by various methods of minimisation of the taxation. In these purposes the fictitious organisations were created, schemes of the tax planning were applied, some operations were not fixed in the official account. And that proprietors of business and heads of the enterprises saw all picture of business, the administrative account was conducted. As a rule, in its basis the principles similar with established for book keeping lay, and more advanced companies for a basis took МСФО. Last variant most visually shows the contradiction in understanding of the administrative account in Russia and abroad as МСФО is by definition the financial account which, despite the transparency, does not provide management of the company by all necessary for acceptance of administrative decisions by the information. Recently owing to change in Russia tax climate and development of practice of the administrative account more and more the domestic companies apply the administrative account in its classical understanding.
The conventional guru in the field of the administrative account Kolin Druri in the book «the Administrative account for business decisions» defines the administrative account as granting to heads of the organisation «information on which basis they can обоснованно make decisions and raise efficiency and productivity of current operations. The information under the administrative account allows to measure economic indicators of operational structures of the organisation operating децентрализованно, such as its separate divisions, цехи and departments. The administrative reporting is to the full facultative, that is such information prepares only in the event that it is supposed that benefits from it will be above expenses on its preparation».
According to Svetlana Nikolaevoj and Sergey Shebeka, authors of the book «the Administrative account. Legends and myths», the administrative account is «the control system of the organisation assuming realisation of administrative functions in the relation:
Sets of the processes making activity of the organisation;
Structural units of the organisation participating in processes;
Resources used in processes;
The indicators reflecting the characteristics of all other categories of objects of management, for achievement flowing and organisation strategic targets ».
Long time in practice of the Russian companies the administrative account was perceived as «the real account objectively reflecting operations of the company» (see, in particular, article: Божко P.Osobennosti of the administrative account at the Russian enterprises//the Financial director. 2003. №2). It has been connected by that else about five years ago the majority of the domestic companies was used by various methods of minimisation of the taxation. In these purposes the fictitious organisations were created, schemes of the tax planning were applied, some operations were not fixed in the official account. And that proprietors of business and heads of the enterprises saw all picture of business, the administrative account was conducted. As a rule, in its basis the principles similar with established for book keeping lay, and more advanced companies for a basis took МСФО. Last variant most visually shows the contradiction in understanding of the administrative account in Russia and abroad as МСФО is by definition the financial account which, despite the transparency, does not provide management of the company by all necessary for acceptance of administrative decisions by the information. Recently owing to change in Russia tax climate and development of practice of the administrative account more and more the domestic companies apply the administrative account in its classical understanding.
Figure 5000 of roubles in the end of 2009 named the main court enforcement officer of Moscow Ferdauis Jusupov. It is the minimum debt at which police officers can close border for the citizen. A unique exception — persons paying alimony. Concerning them the size of debts has no value. Another not so known, but too a measure meeting in practice — not to give out to the debtor who does not have the passports, this document — besides until the citizen will not pay off.
We have talked to workers УФССП and lawyers, have studied statutory acts on which basis police officers operate, and also have found out where to address to the capital inhabitant before a foreign trip, to learn, whether debts are registered behind it. To take preventive measures — a unique way to avoid unpleasant surprises on border. Because to prove the case at the moment of passage of the boundary control, alas, it is already impossible. No less than to pay off on a place.
Discrepancy of the address of a residence permit and actual — the main problem of debtors
Block border mainly to the people evading from payment of the alimony, individual businessmen with large debts under taxes and — a crisis consequence — to the borrowers who have not returned bank credits. Theoretically limit movement can also to the citizens who have not executed a judgement about eviction, a pulling down of illegal constructions, assignation (apartments, cars etc.), but such happens infrequently. To court enforcement officers employees of traffic police seldom enough address — as practice shows, penalties for infringement of rules can be registered for infringers without special for those consequences. And on the contrary, representatives of housing and communal services love police officers — they in large quantities transfer those the debtors. Already there are precedents when for not paid utilities officials described personal property of citizens — TVs, DVD-players etc. Restriction of movement of the debtor in this case also is applied.
Let's tell more in detail about what situation precedes an interdiction for departure. After court (and at some administrative penalties and without it) взыскатель have the right to address in service of court enforcement officers. Further the police officer-executor directs to the debtor the decision about excitation of executive manufacture and suggests to pay off voluntary in the designated term. According to point 12 of article 30 of the Federal law from October, 2nd, 2007 № 229-FZ «About executive manufacture», such term cannot exceed five calendar days from that day as the citizen has received the decision.
We have talked to workers УФССП and lawyers, have studied statutory acts on which basis police officers operate, and also have found out where to address to the capital inhabitant before a foreign trip, to learn, whether debts are registered behind it. To take preventive measures — a unique way to avoid unpleasant surprises on border. Because to prove the case at the moment of passage of the boundary control, alas, it is already impossible. No less than to pay off on a place.
Discrepancy of the address of a residence permit and actual — the main problem of debtors
Block border mainly to the people evading from payment of the alimony, individual businessmen with large debts under taxes and — a crisis consequence — to the borrowers who have not returned bank credits. Theoretically limit movement can also to the citizens who have not executed a judgement about eviction, a pulling down of illegal constructions, assignation (apartments, cars etc.), but such happens infrequently. To court enforcement officers employees of traffic police seldom enough address — as practice shows, penalties for infringement of rules can be registered for infringers without special for those consequences. And on the contrary, representatives of housing and communal services love police officers — they in large quantities transfer those the debtors. Already there are precedents when for not paid utilities officials described personal property of citizens — TVs, DVD-players etc. Restriction of movement of the debtor in this case also is applied.
Let's tell more in detail about what situation precedes an interdiction for departure. After court (and at some administrative penalties and without it) взыскатель have the right to address in service of court enforcement officers. Further the police officer-executor directs to the debtor the decision about excitation of executive manufacture and suggests to pay off voluntary in the designated term. According to point 12 of article 30 of the Federal law from October, 2nd, 2007 № 229-FZ «About executive manufacture», such term cannot exceed five calendar days from that day as the citizen has received the decision.
Receiving money or lending them, we seldom recollect that it is necessary to make the voucher of money resources, and in vain: this document can protect us in court. From article you learn, when the receipt and as it should look is necessary.
When the receipt is necessary
The receipt use more often, when there is a transfer of money between citizens. We will tell, money is given on credit or the payment for demountable apartment is brought.
Thus, if the sum under the transaction exceeds 1000 rbl. the receipt is obligatory under the law (item 161 of the Civil code of the Russian Federation).
To neglect the receipt it is not necessary. After all it is the document having a validity, that is with its help it is possible to defend the rights in court.
Whether it is necessary to assure the receipt at the notary
The receipt does not require notarial assurance. However it is better to make secure: there are situations when the unfair participant of the transaction asserts that on the document not its signature. In case of proceeding notarially certified receipt completely will exclude all claims of the debtor. One more way to prove authenticity of the receipt — signatures of two witnesses of the transaction.
If the receipt is not assured нотариусоми of it there are no signatures of witnesses, and the debtor insists on a fake of its signature, this question will be solved почерковедческая by examination.
How correctly to make the receipt
The civil code of the Russian Federation does not demand that - the voucher of money would have any certain form. Therefore to make this document it is possible any way. The main thing to specify the reason of transfer of money, the size of the transferred sum, nameplate data and the information on actual residing of participants of the transaction. Certainly, in the document should stand date and signatures of the parties. Besides, at the receipt sometimes there is a phrase that the parties have no claims to each other (the sample of the voucher of money resources we have resulted more low).
In addition it is possible to include any information necessary to you in the receipt. For example, if it is a question of apartment hiring, in the document the inventory of things being there, their approximate cost and the sum which the tenant will be obliged to compensate in case of breakage or disappearance can be resulted. If you bring an advance payment to a repair brigade, it is necessary to register accurately, on what (for example, this money should be spent for purchase of a parquet board or a tile).
If you lend money
In the receipt it is necessary to specify, when the debtor undertakes to return money and what sanctions threaten it for delay. Usually such receipt is made in one copy and remains at the creditor.
If you wish to provide any special conditions of transfer or the refund it is possible to make the loan contract. In it the sum of a loan and term to which money resources are transferred should be necessarily specified. The loan contract is made in duplicate, on one for the creditor and the borrower. However even in the presence of the contract transfer of money all the same should be issued the receipt. She will confirm that the debtor has really received from you the sum specified in the contract.
When the receipt is necessary
The receipt use more often, when there is a transfer of money between citizens. We will tell, money is given on credit or the payment for demountable apartment is brought.
Thus, if the sum under the transaction exceeds 1000 rbl. the receipt is obligatory under the law (item 161 of the Civil code of the Russian Federation).
To neglect the receipt it is not necessary. After all it is the document having a validity, that is with its help it is possible to defend the rights in court.
Whether it is necessary to assure the receipt at the notary
The receipt does not require notarial assurance. However it is better to make secure: there are situations when the unfair participant of the transaction asserts that on the document not its signature. In case of proceeding notarially certified receipt completely will exclude all claims of the debtor. One more way to prove authenticity of the receipt — signatures of two witnesses of the transaction.
If the receipt is not assured нотариусоми of it there are no signatures of witnesses, and the debtor insists on a fake of its signature, this question will be solved почерковедческая by examination.
How correctly to make the receipt
The civil code of the Russian Federation does not demand that - the voucher of money would have any certain form. Therefore to make this document it is possible any way. The main thing to specify the reason of transfer of money, the size of the transferred sum, nameplate data and the information on actual residing of participants of the transaction. Certainly, in the document should stand date and signatures of the parties. Besides, at the receipt sometimes there is a phrase that the parties have no claims to each other (the sample of the voucher of money resources we have resulted more low).
In addition it is possible to include any information necessary to you in the receipt. For example, if it is a question of apartment hiring, in the document the inventory of things being there, their approximate cost and the sum which the tenant will be obliged to compensate in case of breakage or disappearance can be resulted. If you bring an advance payment to a repair brigade, it is necessary to register accurately, on what (for example, this money should be spent for purchase of a parquet board or a tile).
If you lend money
In the receipt it is necessary to specify, when the debtor undertakes to return money and what sanctions threaten it for delay. Usually such receipt is made in one copy and remains at the creditor.
If you wish to provide any special conditions of transfer or the refund it is possible to make the loan contract. In it the sum of a loan and term to which money resources are transferred should be necessarily specified. The loan contract is made in duplicate, on one for the creditor and the borrower. However even in the presence of the contract transfer of money all the same should be issued the receipt. She will confirm that the debtor has really received from you the sum specified in the contract.
The bill is aimed at cardinal change of approaches to such procedure of bankruptcy, as financial improvement, for seven years of the existence meanwhile not justified in practice. Perfection of rehabilitation procedures during bankruptcy — a measure, undoubtedly, necessary, therefore revision of norms about financial improvement of the debtor deserves support. In particular, it is possible to approve the offer of developers of the bill on possible division of requirements of creditors on classes depending on the similar nature of these requirements, the status of creditors and simply identical economic interests. Voting of creditors by classes at approval of the plan of financial improvement essentially will complicate work of the administrative managing director, however it nevertheless will allow to consider opinion of the majority of creditors, in the maximum degree interested in restoration of solvency of the debtor.
Correction of mistakes
At the same time a number of positions of the bill demands the further study.
In the bill it is offered to change the maintenance of item 2 of item 7 of the Law on bankruptcy, having given to competitive creditors and the authorised bodies the right to the reference in arbitration court from the moment of approach of a date of performance of obligations, instead of from the moment of the introduction into validity of a judgement, arbitration or the arbitration court about collecting from the debtor of money resources. The similar innovation raises serious doubts.
In due time according to item 4 of item 4 of the Law on bankruptcy of 1998 the size of liabilities under requirements of creditors was considered established if it has been confirmed not only the judgement which has entered validity, but also the documents testifying to a recognition by the debtor of these requirements. Realisation of the given norm in practice has led to that there were «custom-made bankruptcies» when unfair creditors initiated processes of bankruptcy concerning the profitable enterprises, using that the Law allowed them not to prove the requirements to the debtor the judgement which has entered validity.
At that time the Presidium YOU the Russian Federation in the Circular from 06.08.99 №43 «Questions of application of the Federal law« On an inconsistency (bankruptcy) »in judiciary practice» has noticed that the creditor should take measures for reception of debts out of bankruptcy procedures. And only if these measures have not led to debts reception, the creditor can put in the statement for a recognition of the debtor the bankrupt.
As a result in the current Law on bankruptcy of the right of creditors and the authorised bodies on the reference in arbitration court with the statement for a recognition of the debtor the bankrupt at first have been put in dependence on their reference in service of court enforcement officers, and then — it is simple from the introduction into validity of the decisions of the courts confirming presence and the size of their requirements to the debtor.
Correction of mistakes
At the same time a number of positions of the bill demands the further study.
In the bill it is offered to change the maintenance of item 2 of item 7 of the Law on bankruptcy, having given to competitive creditors and the authorised bodies the right to the reference in arbitration court from the moment of approach of a date of performance of obligations, instead of from the moment of the introduction into validity of a judgement, arbitration or the arbitration court about collecting from the debtor of money resources. The similar innovation raises serious doubts.
In due time according to item 4 of item 4 of the Law on bankruptcy of 1998 the size of liabilities under requirements of creditors was considered established if it has been confirmed not only the judgement which has entered validity, but also the documents testifying to a recognition by the debtor of these requirements. Realisation of the given norm in practice has led to that there were «custom-made bankruptcies» when unfair creditors initiated processes of bankruptcy concerning the profitable enterprises, using that the Law allowed them not to prove the requirements to the debtor the judgement which has entered validity.
At that time the Presidium YOU the Russian Federation in the Circular from 06.08.99 №43 «Questions of application of the Federal law« On an inconsistency (bankruptcy) »in judiciary practice» has noticed that the creditor should take measures for reception of debts out of bankruptcy procedures. And only if these measures have not led to debts reception, the creditor can put in the statement for a recognition of the debtor the bankrupt.
As a result in the current Law on bankruptcy of the right of creditors and the authorised bodies on the reference in arbitration court with the statement for a recognition of the debtor the bankrupt at first have been put in dependence on their reference in service of court enforcement officers, and then — it is simple from the introduction into validity of the decisions of the courts confirming presence and the size of their requirements to the debtor.
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