THE OVERINDEBTEDNESS IS A SOCIAL PROBLEM SO IT MUST BE ADDRESSED
The entity called Organismo di Composizione della Crisi (OCC) has as first role the managed of the people's overindebtedness state who are axcluded from the possibility to access at the legal proceedings.
At the article 6, c. 2 of the law n° 3 of 27 Jenuary 2012, with the "overindebtedness" concept we mean an "a stable situation of imbalance beetween the obligations and the assets promptly payable, or the definitively inability of the debtor to cope his obligations".
We are all indebted, everyone has his life according to his financial possibilities.
Then, unfortunately, happen somethingh unexpected to someone, which not depends from his willingness, which has reduced the income, which has forced to take on debt to pay previous debt, causing the entry in the OVERINDEBTEDNESS phase.
- La Giustizia dei Cittadini Terre di Prato, n. 30 of the Organismi Ministero della Giustizia's register
By relying on a sufficient income, the families have bought a car, a home. Then an event as layoffs, a long disease, or a dismissal of a familiar, has determined the definitively impossibility to cope their commitments, so they enter in the overindebtedness state.
SMALL AND MEDIUM-SIZE ENTERPRISE
The enterpreneur with their business activity have took personal and financial risks. Then with the coming of the economic crisis their income decreased dramatically: they started to ask funding, their stock decreased and they haven't been able to pay taxes. Today they aren't able to cope their commitments and they are in an overindebtedness state.
ASSOCIATIONS, NGOs, PRIVATE NON-COMMERCIAL INSTITUTIONS, SOCIAL ENTERPRISES, SELF-EMPLOYED WORKERS, PROFESSIONALS
You work with the public entities which pays with many years after; you work with the private entities but for the crisis, less of them will pay you. Despite all this you have to pay workers, suppliers and the laws.