{"id":3667,"date":"2024-06-21T18:31:22","date_gmt":"2024-06-21T18:31:22","guid":{"rendered":"http:\/\/schuldnerservice.de\/?page_id=3667"},"modified":"2024-07-03T12:59:37","modified_gmt":"2024-07-03T12:59:37","slug":"verbraucherinsolvenz","status":"publish","type":"page","link":"https:\/\/schuldnerservice.de\/tr\/verbraucherinsolvenz\/","title":{"rendered":"T\u00dcKET\u0130C\u0130 \u0130FLASI"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3667\" class=\"elementor elementor-3667\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c774f8 elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c774f8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6bc8536\" data-id=\"6bc8536\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed430ae elementor-widget elementor-widget-heading\" data-id=\"ed430ae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Service<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-017708c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"017708c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f67d26f\" data-id=\"f67d26f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-977088c widget-title elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"977088c\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-343704f elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"343704f\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/schuldnerservice.de\/aussergerichtliche-schuldenbereinigung\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">INSOLVENZVERMEIDUNG<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/schuldnerservice.de\/pfaendungsschutzkonto\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">HAC\u0130Z KORUMALI HESAP<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/schuldnerservice.de\/regelinsolvenz\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">NORMAL \u0130FLAS<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-904e2fa\" data-id=\"904e2fa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c3d54a elementor-widget elementor-widget-heading\" data-id=\"3c3d54a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">BISS ile T\u00fcketici \u0130flas\u0131: <\/br>Finansal \u00d6zg\u00fcrl\u00fc\u011fe Giden Yolunuz<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dec0c01 elementor-widget elementor-widget-text-editor\" data-id=\"dec0c01\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\"><p class=\"whitespace-pre-wrap break-words\">Bireyleri t\u00fcketici iflas\u0131 s\u00fcrecinde nas\u0131l destekledi\u011fimizi \u00f6\u011frenin - \u00f6n ko\u015fullardan kalan bor\u00e7lardan kurtulmaya kadar<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a712200 elementor-widget elementor-widget-heading\" data-id=\"a712200\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">T\u00fcketici iflas\u0131 hakk\u0131nda en \u00f6nemli bilgiler bir bak\u0131\u015fta<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7eefd76 e-flex e-con-boxed e-con e-parent\" data-id=\"7eefd76\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c562d7e e-con-full e-flex e-con e-child\" data-id=\"c562d7e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-deedd39 e-flex e-con-boxed e-con e-child\" data-id=\"deedd39\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-de6a036 e-con-full e-flex e-con e-child\" data-id=\"de6a036\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c4224d elementor-widget elementor-widget-heading\" data-id=\"2c4224d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-118b32c e-con-full e-flex e-con e-child\" data-id=\"118b32c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4cc24ff elementor-widget elementor-widget-text-editor\" data-id=\"4cc24ff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>T\u00fcketici iflas\u0131, bor\u00e7lar\u0131n\u0131 art\u0131k \u00f6deyemeyen bireyler i\u00e7in tasarlanm\u0131\u015ft\u0131r.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b5c14a e-con-full e-flex e-con e-child\" data-id=\"9b5c14a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a53003f e-con-full e-flex e-con e-child\" data-id=\"a53003f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bbbc7ed elementor-widget elementor-widget-heading\" data-id=\"bbbc7ed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16ab6cc e-con-full e-flex e-con e-child\" data-id=\"16ab6cc\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cdf65f8 elementor-widget elementor-widget-text-editor\" data-id=\"cdf65f8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Serbest meslek sahipleri i\u00e7in temel olarak normal iflas vard\u0131r, ancak: 20'den az alacakl\u0131s\u0131 olan ve i\u015f ili\u015fkilerinden borcu olmayan eski serbest meslek sahipleri de t\u00fcketici iflas\u0131ndan yararlanabilir.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc46d16 e-con-full e-flex e-con e-child\" data-id=\"bc46d16\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-01e54e2 e-con-full e-flex e-con e-child\" data-id=\"01e54e2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8eca817 elementor-widget elementor-widget-heading\" data-id=\"8eca817\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9938bd5 e-con-full e-flex e-con e-child\" data-id=\"9938bd5\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cfd621b elementor-widget elementor-widget-text-editor\" data-id=\"cfd621b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S\u00fcre\u00e7 \u00fc\u00e7 y\u0131l s\u00fcrer ve kalan bor\u00e7lar\u0131n silinmesine yol a\u00e7abilir.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e0ae95e e-con-full e-flex e-con e-child\" data-id=\"e0ae95e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f623aa2 e-con-full e-flex e-con e-child\" data-id=\"f623aa2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10b479b elementor-widget elementor-widget-heading\" data-id=\"10b479b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-253ce3a e-con-full e-flex e-con e-child\" data-id=\"253ce3a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3ccc1a elementor-widget elementor-widget-text-editor\" data-id=\"b3ccc1a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u0130flas ba\u015fvurusunun kabul\u00fcyle birlikte alacakl\u0131lar\u0131n t\u00fcm icra i\u015flemleri durdurulmal\u0131d\u0131r.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25b540c e-con-full e-flex e-con e-child\" data-id=\"25b540c\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4630774 e-con-full e-flex e-con e-child\" data-id=\"4630774\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4480fbb elementor-widget elementor-widget-heading\" data-id=\"4480fbb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62d5dc6 e-con-full e-flex e-con e-child\" data-id=\"62d5dc6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dca76b elementor-widget elementor-widget-text-editor\" data-id=\"7dca76b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S\u00fcre\u00e7 boyunca belirli kurallar ge\u00e7erlidir, \u00f6zellikle gelir elde etmek i\u00e7in \u00e7aba g\u00f6sterme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16cf334 e-con-full e-flex e-con e-child\" data-id=\"16cf334\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-caa2a07 e-con-full e-flex e-con e-child\" data-id=\"caa2a07\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99fa9bf elementor-widget elementor-widget-heading\" data-id=\"99fa9bf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f307b2 e-con-full e-flex e-con e-child\" data-id=\"8f307b2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9d493a elementor-widget elementor-widget-text-editor\" data-id=\"f9d493a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Gelirin haczedilebilir k\u0131sm\u0131 bor\u00e7 \u00f6demesi i\u00e7in kullan\u0131l\u0131r. Mevcut asgari muafiyet tutar\u0131 ayl\u0131k 1499,99 Euro'dur (Temmuz 2024 itibariyle).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8691c46 e-con-full e-flex e-con e-child\" data-id=\"8691c46\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ceeab51 e-con-full e-flex e-con e-child\" data-id=\"ceeab51\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-756cef9 elementor-widget elementor-widget-heading\" data-id=\"756cef9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f9070a7 e-con-full e-flex e-con e-child\" data-id=\"f9070a7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9174247 elementor-widget elementor-widget-text-editor\" data-id=\"9174247\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u0130flas s\u0131ras\u0131nda iflas y\u00f6neticisinin onay\u0131yla serbest meslek faaliyeti m\u00fcmk\u00fcnd\u00fcr.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03af045 elementor-widget elementor-widget-heading\" data-id=\"03af045\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">T\u00fcketici \u0130flas\u0131: Bireyler i\u00e7in Yeni Bir Ba\u015flang\u0131\u00e7<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-deb04d2 elementor-widget elementor-widget-text-editor\" data-id=\"deb04d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\"><p class=\"whitespace-pre-wrap break-words\">Normal \u0130flas: \u0130\u015fletme Sahipleri ve Serbest Meslek Sahipleri i\u00e7in Yeni Bir Ba\u015flang\u0131\u00e7<\/p><p class=\"whitespace-pre-wrap break-words\">Normal iflas, Almanya'da serbest meslek sahipleri ve i\u015fletme sahipleri i\u00e7in \u00f6zel iflas prosed\u00fcr\u00fcd\u00fcr. \u0130\u015f insanlar\u0131n\u0131n \u00f6zel ihtiya\u00e7lar\u0131n\u0131 ve karma\u015f\u0131k finansal durumlar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in geli\u015ftirilmi\u015ftir.<\/p><p class=\"whitespace-pre-wrap break-words\">Normal iflas\u0131n ana \u00f6zellikleri:<\/p><ol><li><strong>Hedef kitle<\/strong> <br \/>\u00d6zellikle aktif serbest meslek sahipleri ve i\u015fletme sahipleri i\u00e7in tasarlanm\u0131\u015ft\u0131r.<\/li><li><strong>Karma\u015f\u0131kl\u0131k<\/strong> <br \/>\u0130\u015fletmelerin genellikle \u00e7ok katmanl\u0131 finansal ba\u011flant\u0131lar\u0131n\u0131 dikkate al\u0131r.<\/li><li><strong>Esneklik<\/strong> <br \/>Belirli ko\u015fullar alt\u0131nda, s\u00fcre\u00e7 s\u0131ras\u0131nda i\u015fletmenin devam etmesine olanak tan\u0131r.<\/li><li><strong>Kapsaml\u0131 inceleme<\/strong> <br \/>\u0130\u015f i\u015flemlerinin ve varl\u0131klar\u0131n\u0131n detayl\u0131 bir analizini i\u00e7erir.<\/li><\/ol><p class=\"whitespace-pre-wrap break-words\">Normal iflas\u0131n ama\u00e7lar\u0131:<\/p><ul class=\"-mt-1 list-disc space-y-2 pl-8\"><li class=\"whitespace-normal break-words\">\u0130\u015fletme varl\u0131klar\u0131n\u0131n d\u00fczenli tasfiyesi yoluyla alacakl\u0131lar\u0131n m\u00fcmk\u00fcn olan en iyi \u015fekilde tatmin edilmesi<\/li><li class=\"whitespace-normal break-words\">\u0130\u015fletme sahibine ekonomik yeniden ba\u015flang\u0131\u00e7 i\u00e7in bir f\u0131rsat sunulmas\u0131<\/li><\/ul><p class=\"whitespace-pre-wrap break-words\">Normal iflas\u0131n \u00f6nemli bir avantaj\u0131, s\u00fcrecin ba\u015far\u0131yla tamamlanmas\u0131ndan sonra kalan bor\u00e7lardan kurtulma olas\u0131l\u0131\u011f\u0131d\u0131r. Bu, bir i\u015fletme sahibi olarak, belirlenen bir s\u00fcre sonunda kalan bor\u00e7lar\u0131n\u0131zdan kurtulabilece\u011finiz ve b\u00f6ylece ger\u00e7ek bir yeni ba\u015flang\u0131\u00e7 \u015fans\u0131 elde edebilece\u011finiz anlam\u0131na gelir.<\/p><p class=\"whitespace-pre-wrap break-words\">Baden-W\u00fcrttemberg'deki BISS'te normal iflas prosed\u00fcrlerinde uzman\u0131z. \u0130\u015fletme sahiplerinin finansal kriz durumlar\u0131nda kar\u015f\u0131la\u015ft\u0131klar\u0131 \u00f6zel zorluklar\u0131 anl\u0131yoruz. Ekibimiz, ilk dan\u0131\u015fmanl\u0131ktan ba\u015fvuruya, iflas plan\u0131n\u0131n ba\u015far\u0131l\u0131 bir \u015fekilde uygulanmas\u0131na ve hedeflenen kalan bor\u00e7lardan kurtulmaya kadar s\u00fcrecin her a\u015famas\u0131nda size e\u015flik eder.<\/p><p class=\"whitespace-pre-wrap break-words\">Normal iflas\u0131n sizin i\u00e7in ba\u015far\u0131l\u0131 bir yeni ba\u015flang\u0131ca giden yol olabilece\u011fi konusunda size dan\u0131\u015fmanl\u0131k yapal\u0131m.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5193cc elementor-widget elementor-widget-heading\" data-id=\"d5193cc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">T\u00fcketici iflas\u0131 ba\u015fvurusunda bulunabilmek i\u00e7in a\u015fa\u011f\u0131daki kriterlerin kar\u015f\u0131lanmas\u0131 gerekir<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae7e0cb elementor-widget elementor-widget-text-editor\" data-id=\"ae7e0cb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\"><p class=\"whitespace-pre-wrap break-words\">T\u00fcketici iflas\u0131 i\u00e7in \u00f6n ko\u015fullar:<\/p><p class=\"whitespace-pre-wrap break-words\">\u0130flas Kanunu, bir iflas prosed\u00fcr\u00fcn\u00fcn ba\u015flat\u0131lmas\u0131 i\u00e7in \u00fc\u00e7 ana neden tan\u0131mlar:<\/p><ol class=\"-mt-1 list-decimal space-y-2 pl-8\"><li class=\"whitespace-normal break-words\"><strong>\u00d6deme aczi veya yak\u0131n \u00f6deme aczi tehdidi<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Ba\u015fvuru s\u0131ras\u0131nda mevcut bir serbest meslek faaliyeti olmamas\u0131<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>En fazla 19 alacakl\u0131<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Tan\u0131nm\u0131\u015f bir kurum taraf\u0131ndan y\u00fcr\u00fct\u00fclen ba\u015far\u0131s\u0131z mahkeme d\u0131\u015f\u0131 uzla\u015fma giri\u015fimi<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Eski \u00e7al\u0131\u015fanlardan kaynaklanan i\u015f ili\u015fkisi bor\u00e7lar\u0131n\u0131n olmamas\u0131<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Ya\u015fam merkezinin Almanya'da olmas\u0131<\/strong><\/li><\/ol><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ec91a9 elementor-widget elementor-widget-heading\" data-id=\"7ec91a9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">T\u00fcketici iflas\u0131n\u0131n s\u00fcreci ve s\u00fcresi<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d46f5a9 elementor-widget elementor-widget-text-editor\" data-id=\"d46f5a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\"><p class=\"whitespace-pre-wrap break-words\">\u0130flas Kanunu'nun revizyonundan bu yana, bir t\u00fcketici iflas\u0131n\u0131n s\u00fcresi genellikle \u00fc\u00e7 y\u0131ld\u0131r. Bu, 30.09.2020'den sonra ba\u015fvurulan prosed\u00fcrler i\u00e7in ge\u00e7erlidir.<\/p><p class=\"whitespace-pre-wrap break-words\">Her vaka bireyseldir ve \u0130flas Kanunu \u00e7e\u015fitli istisnalar \u00f6ng\u00f6r\u00fcr. Yine de tipik bir prosed\u00fcr ak\u0131\u015f\u0131 \u015fu \u015fekilde \u00f6zetlenebilir:<\/p><ol><li><strong>Mahkeme d\u0131\u015f\u0131 uzla\u015fma giri\u015fimi<br \/><\/strong>T\u00fcketici iflas\u0131 ba\u015fvurusundan \u00f6nce, alacakl\u0131larla mahkeme d\u0131\u015f\u0131 bir uzla\u015fma giri\u015fimi yasal olarak zorunludur. Bunun i\u00e7in tan\u0131nm\u0131\u015f bir bor\u00e7lu dan\u0131\u015fmanl\u0131\u011f\u0131 yard\u0131m\u0131yla bir bor\u00e7 tasfiye plan\u0131 haz\u0131rlan\u0131r. Bu plan, erteleme, taksitli \u00f6demeler veya k\u0131smi bor\u00e7 aff\u0131 i\u00e7erebilir. Plan sadece t\u00fcm alacakl\u0131lar\u0131n onay\u0131yla ge\u00e7erli olur. Ba\u015far\u0131s\u0131z olursa, iflas ba\u015fvurusu yap\u0131labilir.<\/li><\/ol><ol start=\"2\"><li><strong>\u0130flas ba\u015fvurusu<br \/><\/strong>Yaz\u0131l\u0131 ba\u015fvuru, yetkili iflas mahkemesine sunulur. Gerekli belgeler \u015funlar\u0131 i\u00e7erir:<\/li><\/ol><ul><li>Varl\u0131k, alacakl\u0131 ve alacak listesi ile bor\u00e7 tasfiye plan\u0131n\u0131 i\u00e7eren iflas ba\u015fvurusu<\/li><li>Ba\u015far\u0131s\u0131z uzla\u015fma giri\u015fimi hakk\u0131nda belge<\/li><li>Kalan bor\u00e7lardan kurtulma ba\u015fvurusu<\/li><li>Dava masraflar\u0131n\u0131n ertelenmesi ba\u015fvurusu<\/li><li>Foto\u011frafl\u0131 kimlik belgesinin kopyas\u0131<\/li><\/ul><ol start=\"3\"><li><strong>Ba\u015fvurunun incelenmesi<br \/><\/strong>Mahkeme, sunulan belgeleri ve t\u00fcketici iflas\u0131 i\u00e7in gerekli ko\u015fullar\u0131 inceler. Bu s\u00fcre\u00e7 birka\u00e7 hafta s\u00fcrebilir.<\/li><\/ol><ol start=\"4\"><li><strong>\u0130ste\u011fe ba\u011fl\u0131 mahkeme uzla\u015fma giri\u015fimi<br \/><\/strong>Mahkeme, ba\u015fka bir uzla\u015fma giri\u015fiminde bulunabilir. Bu durumda, alacakl\u0131lara d\u00f6rt hafta i\u00e7inde g\u00f6r\u00fc\u015f bildirebilecekleri bir bor\u00e7 tasfiye plan\u0131 yeniden g\u00f6nderilir. Bu mahkeme giri\u015fiminde \u015fu kural ge\u00e7erlidir: Sessizlik onay anlam\u0131na gelir. Ayr\u0131ca, reddeden bireysel alacakl\u0131lar oylanarak ge\u00e7ersiz k\u0131l\u0131nabilir.<\/li><\/ol><ol start=\"5\"><li><strong>T\u00fcketici iflas s\u00fcrecinin ba\u015flat\u0131lmas\u0131<\/strong><br \/>Mahkeme uzla\u015fma giri\u015fiminin ba\u015far\u0131s\u0131z olmas\u0131 veya atlanmas\u0131 durumunda, as\u0131l iflas s\u00fcreci ba\u015flat\u0131l\u0131r. Bu, kamuoyuna duyurulur. De\u011ferlendirilebilir varl\u0131klar\u0131 belirleyen ve alacakl\u0131lar\u0131 alacaklar\u0131n\u0131 bildirmeye \u00e7a\u011f\u0131ran bir iflas y\u00f6neticisi atan\u0131r. Devam eden hacizler ve icra i\u015flemleri durdurulur.<\/li><\/ol><ol start=\"6\"><li><strong>\u0130yi davran\u0131\u015f d\u00f6nemi<br \/><\/strong>Bu a\u015fama, s\u00fcrecin ba\u015flamas\u0131yla ba\u015flar ve \u00fc\u00e7 y\u0131l s\u00fcrer. Bu s\u00fcre zarf\u0131nda d\u00fczenli gelir elde etmek i\u00e7in \u00e7aba g\u00f6stermelisiniz. Gelirinizin haczedilebilir k\u0131sm\u0131 bor\u00e7 \u00f6demesi i\u00e7in kullan\u0131l\u0131r.<\/li><\/ol><ol start=\"7\"><li><strong>Kalan bor\u00e7lardan kurtulma ve s\u00fcrecin tamamlanmas\u0131<br \/><\/strong>\u00dc\u00e7 y\u0131l sonra t\u00fcketici iflas\u0131 sona erer. T\u00fcm y\u00fck\u00fcml\u00fcl\u00fcklerin yerine getirilmesi durumunda mahkeme kalan bor\u00e7lardan kurtulma karar\u0131 verir. Miktarlar\u0131ndan veya alacakl\u0131 say\u0131s\u0131ndan ba\u011f\u0131ms\u0131z olarak \u00e7o\u011fu bor\u00e7 silinir. \u0130stisnalar, kas\u0131tl\u0131 olarak i\u015flenen yasad\u0131\u015f\u0131 eylemlerden kaynaklanan alacaklar veya kas\u0131tl\u0131 olarak \u00f6denmemi\u015f nafaka alacaklar\u0131d\u0131r.<\/li><\/ol><p>\u00a0<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-81166b2 e-flex e-con-boxed e-con e-parent\" data-id=\"81166b2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c986fc elementor-widget elementor-widget-text-editor\" data-id=\"0c986fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Bilinmesi gerekenler:<\/p><ul><li>Olumsuz Schufa kay\u0131tlar\u0131 art\u0131k s\u00fcrecin tamamlanmas\u0131ndan alt\u0131 ay sonra silinir.<\/li><li>\u0130yi davran\u0131\u015f d\u00f6nemi s\u0131ras\u0131nda iflas y\u00f6neticisinin onay\u0131yla serbest meslek faaliyeti m\u00fcmk\u00fcnd\u00fcr.<\/li><li>\u0130flas y\u00f6neticisi ile d\u00fczenli toplant\u0131lar gerekli olabilir, bunlar\u0131n s\u0131kl\u0131\u011f\u0131 duruma g\u00f6re de\u011fi\u015fir.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-242a7c5 elementor-widget elementor-widget-text-editor\" data-id=\"242a7c5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\">Bu t\u00fcketici iflas\u0131, a\u015f\u0131r\u0131 bor\u00e7lanmadan \u00e7\u0131k\u0131\u015f i\u00e7in yap\u0131land\u0131r\u0131lm\u0131\u015f bir yol ve finansal yeni bir ba\u015flang\u0131\u00e7 \u015fans\u0131 sunar.<\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ce7cc23 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"ce7cc23\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e61a616\" data-id=\"e61a616\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c16558 elementor-widget elementor-widget-heading\" data-id=\"4c16558\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">RAHAT B\u0130R NEFES ALIN<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65dee06 elementor-widget elementor-widget-heading\" data-id=\"65dee06\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">BISS S\u0130ZE YARDIMCI OLAB\u0130L\u0130R<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-abd3090\" data-id=\"abd3090\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be704cf elementor-hidden-desktop elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be704cf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ee3bd98\" data-id=\"ee3bd98\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7deb44a elementor-widget elementor-widget-heading\" data-id=\"7deb44a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">BISS ile T\u00fcketici \u0130flas\u0131: <\/br>Finansal \u00d6zg\u00fcrl\u00fc\u011fe Giden Yolunuz<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3accee elementor-widget elementor-widget-text-editor\" data-id=\"c3accee\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\"><p class=\"whitespace-pre-wrap break-words\">Bireyleri t\u00fcketici iflas\u0131 s\u00fcrecinde nas\u0131l destekledi\u011fimizi \u00f6\u011frenin - \u00f6n ko\u015fullardan kalan bor\u00e7lardan kurtulmaya kadar<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c5e1a5 elementor-widget elementor-widget-heading\" data-id=\"5c5e1a5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Das Wichtigste zur <\/br>Verbraucherinsolvenz auf einen Blick<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c0d76b e-flex e-con-boxed e-con e-parent\" data-id=\"1c0d76b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0a60001 e-con-full e-flex e-con e-child\" data-id=\"0a60001\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8aaf0ab e-flex e-con-boxed e-con e-child\" data-id=\"8aaf0ab\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8e59520 e-con-full e-flex e-con e-child\" data-id=\"8e59520\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c828a4f elementor-widget elementor-widget-heading\" data-id=\"c828a4f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36b8ea2 e-con-full e-flex e-con e-child\" data-id=\"36b8ea2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e4b6c5a elementor-widget elementor-widget-text-editor\" data-id=\"e4b6c5a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>T\u00fcketici iflas\u0131, bor\u00e7lar\u0131n\u0131 art\u0131k \u00f6deyemeyen bireyler i\u00e7in tasarlanm\u0131\u015ft\u0131r.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf06120 e-con-full e-flex e-con e-child\" data-id=\"bf06120\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8782b61 e-con-full e-flex e-con e-child\" data-id=\"8782b61\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7cb8c9 elementor-widget elementor-widget-heading\" data-id=\"c7cb8c9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b398d8a e-con-full e-flex e-con e-child\" data-id=\"b398d8a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c54d4f elementor-widget elementor-widget-text-editor\" data-id=\"3c54d4f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Serbest meslek sahipleri i\u00e7in temel olarak normal iflas vard\u0131r, ancak: 20'den az alacakl\u0131s\u0131 olan ve i\u015f ili\u015fkilerinden borcu olmayan eski serbest meslek sahipleri de t\u00fcketici iflas\u0131ndan yararlanabilir.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40f6dd7 e-con-full e-flex e-con e-child\" data-id=\"40f6dd7\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-82f3ad6 e-con-full e-flex e-con e-child\" data-id=\"82f3ad6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ffe231 elementor-widget elementor-widget-heading\" data-id=\"7ffe231\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46b65d2 e-con-full e-flex e-con e-child\" data-id=\"46b65d2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-337aaf3 elementor-widget elementor-widget-text-editor\" data-id=\"337aaf3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S\u00fcre\u00e7 \u00fc\u00e7 y\u0131l s\u00fcrer ve kalan bor\u00e7lar\u0131n silinmesine yol a\u00e7abilir.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b3edac e-con-full e-flex e-con e-child\" data-id=\"7b3edac\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a8cd137 e-con-full e-flex e-con e-child\" data-id=\"a8cd137\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-95b818a elementor-widget elementor-widget-heading\" data-id=\"95b818a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b105c83 e-con-full e-flex e-con e-child\" data-id=\"b105c83\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bf56b5 elementor-widget elementor-widget-text-editor\" data-id=\"6bf56b5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u0130flas ba\u015fvurusunun kabul\u00fcyle birlikte alacakl\u0131lar\u0131n t\u00fcm icra i\u015flemleri durdurulmal\u0131d\u0131r.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d683ef3 e-con-full e-flex e-con e-child\" data-id=\"d683ef3\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-210115d e-con-full e-flex e-con e-child\" data-id=\"210115d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-efcb2d0 elementor-widget elementor-widget-heading\" data-id=\"efcb2d0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0228ff6 e-con-full e-flex e-con e-child\" data-id=\"0228ff6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84f5b6a elementor-widget elementor-widget-text-editor\" data-id=\"84f5b6a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S\u00fcre\u00e7 boyunca belirli kurallar ge\u00e7erlidir, \u00f6zellikle gelir elde etmek i\u00e7in \u00e7aba g\u00f6sterme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bed2c71 e-con-full e-flex e-con e-child\" data-id=\"bed2c71\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-64952cd e-con-full e-flex e-con e-child\" data-id=\"64952cd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1dcef07 elementor-widget elementor-widget-heading\" data-id=\"1dcef07\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a29999 e-con-full e-flex e-con e-child\" data-id=\"2a29999\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-264c61f elementor-widget elementor-widget-text-editor\" data-id=\"264c61f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Gelirin haczedilebilir k\u0131sm\u0131 bor\u00e7 \u00f6demesi i\u00e7in kullan\u0131l\u0131r. Mevcut asgari muafiyet tutar\u0131 ayl\u0131k 1499,99 Euro'dur (Temmuz 2024 itibariyle).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac490ea e-con-full e-flex e-con e-child\" data-id=\"ac490ea\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-81152a1 e-con-full e-flex e-con e-child\" data-id=\"81152a1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab2500 elementor-widget elementor-widget-heading\" data-id=\"2ab2500\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f670c34 e-con-full e-flex e-con e-child\" data-id=\"f670c34\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9234a98 elementor-widget elementor-widget-text-editor\" data-id=\"9234a98\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u0130flas s\u0131ras\u0131nda iflas y\u00f6neticisinin onay\u0131yla serbest meslek faaliyeti m\u00fcmk\u00fcnd\u00fcr.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d11afc3 elementor-widget elementor-widget-heading\" data-id=\"d11afc3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Die Verbraucherinsolvenz: <\/br>Ein Neustart f\u00fcr Privatpersonen<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fcf5830 elementor-widget elementor-widget-text-editor\" data-id=\"fcf5830\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\"><p class=\"whitespace-pre-wrap break-words\">Normal \u0130flas: \u0130\u015fletme Sahipleri ve Serbest Meslek Sahipleri i\u00e7in Yeni Bir Ba\u015flang\u0131\u00e7<\/p><p class=\"whitespace-pre-wrap break-words\">Normal iflas, Almanya'da serbest meslek sahipleri ve i\u015fletme sahipleri i\u00e7in \u00f6zel iflas prosed\u00fcr\u00fcd\u00fcr. \u0130\u015f insanlar\u0131n\u0131n \u00f6zel ihtiya\u00e7lar\u0131n\u0131 ve karma\u015f\u0131k finansal durumlar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in geli\u015ftirilmi\u015ftir.<\/p><p class=\"whitespace-pre-wrap break-words\">Normal iflas\u0131n ana \u00f6zellikleri:<\/p><ol><li><strong>Hedef kitle<\/strong> <br \/>\u00d6zellikle aktif serbest meslek sahipleri ve i\u015fletme sahipleri i\u00e7in tasarlanm\u0131\u015ft\u0131r.<\/li><li><strong>Karma\u015f\u0131kl\u0131k<\/strong> <br \/>\u0130\u015fletmelerin genellikle \u00e7ok katmanl\u0131 finansal ba\u011flant\u0131lar\u0131n\u0131 dikkate al\u0131r.<\/li><li><strong>Esneklik<\/strong> <br \/>Belirli ko\u015fullar alt\u0131nda, s\u00fcre\u00e7 s\u0131ras\u0131nda i\u015fletmenin devam etmesine olanak tan\u0131r.<\/li><li><strong>Kapsaml\u0131 inceleme<\/strong> <br \/>\u0130\u015f i\u015flemlerinin ve varl\u0131klar\u0131n\u0131n detayl\u0131 bir analizini i\u00e7erir.<\/li><\/ol><p class=\"whitespace-pre-wrap break-words\">Normal iflas\u0131n ama\u00e7lar\u0131:<\/p><ul class=\"-mt-1 list-disc space-y-2 pl-8\"><li class=\"whitespace-normal break-words\">\u0130\u015fletme varl\u0131klar\u0131n\u0131n d\u00fczenli tasfiyesi yoluyla alacakl\u0131lar\u0131n m\u00fcmk\u00fcn olan en iyi \u015fekilde tatmin edilmesi<\/li><li class=\"whitespace-normal break-words\">\u0130\u015fletme sahibine ekonomik yeniden ba\u015flang\u0131\u00e7 i\u00e7in bir f\u0131rsat sunulmas\u0131<\/li><\/ul><p class=\"whitespace-pre-wrap break-words\">Normal iflas\u0131n \u00f6nemli bir avantaj\u0131, s\u00fcrecin ba\u015far\u0131yla tamamlanmas\u0131ndan sonra kalan bor\u00e7lardan kurtulma olas\u0131l\u0131\u011f\u0131d\u0131r. Bu, bir i\u015fletme sahibi olarak, belirlenen bir s\u00fcre sonunda kalan bor\u00e7lar\u0131n\u0131zdan kurtulabilece\u011finiz ve b\u00f6ylece ger\u00e7ek bir yeni ba\u015flang\u0131\u00e7 \u015fans\u0131 elde edebilece\u011finiz anlam\u0131na gelir.<\/p><p class=\"whitespace-pre-wrap break-words\">Baden-W\u00fcrttemberg'deki BISS'te normal iflas prosed\u00fcrlerinde uzman\u0131z. \u0130\u015fletme sahiplerinin finansal kriz durumlar\u0131nda kar\u015f\u0131la\u015ft\u0131klar\u0131 \u00f6zel zorluklar\u0131 anl\u0131yoruz. Ekibimiz, ilk dan\u0131\u015fmanl\u0131ktan ba\u015fvuruya, iflas plan\u0131n\u0131n ba\u015far\u0131l\u0131 bir \u015fekilde uygulanmas\u0131na ve hedeflenen kalan bor\u00e7lardan kurtulmaya kadar s\u00fcrecin her a\u015famas\u0131nda size e\u015flik eder.<\/p><p class=\"whitespace-pre-wrap break-words\">Normal iflas\u0131n sizin i\u00e7in ba\u015far\u0131l\u0131 bir yeni ba\u015flang\u0131ca giden yol olabilece\u011fi konusunda size dan\u0131\u015fmanl\u0131k yapal\u0131m.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15d6050 elementor-widget elementor-widget-heading\" data-id=\"15d6050\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">T\u00fcketici iflas\u0131 ba\u015fvurusunda bulunabilmek i\u00e7in a\u015fa\u011f\u0131daki kriterlerin kar\u015f\u0131lanmas\u0131 gerekir<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ce8a40 elementor-widget elementor-widget-text-editor\" data-id=\"9ce8a40\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\"><p class=\"whitespace-pre-wrap break-words\">T\u00fcketici iflas\u0131 i\u00e7in \u00f6n ko\u015fullar:<\/p><p class=\"whitespace-pre-wrap break-words\">\u0130flas Kanunu, bir iflas prosed\u00fcr\u00fcn\u00fcn ba\u015flat\u0131lmas\u0131 i\u00e7in \u00fc\u00e7 ana neden tan\u0131mlar:<\/p><ol class=\"-mt-1 list-decimal space-y-2 pl-8\"><li class=\"whitespace-normal break-words\"><strong>\u00d6deme aczi veya yak\u0131n \u00f6deme aczi tehdidi<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Ba\u015fvuru s\u0131ras\u0131nda mevcut bir serbest meslek faaliyeti olmamas\u0131<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>En fazla 19 alacakl\u0131<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Tan\u0131nm\u0131\u015f bir kurum taraf\u0131ndan y\u00fcr\u00fct\u00fclen ba\u015far\u0131s\u0131z mahkeme d\u0131\u015f\u0131 uzla\u015fma giri\u015fimi<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Eski \u00e7al\u0131\u015fanlardan kaynaklanan i\u015f ili\u015fkisi bor\u00e7lar\u0131n\u0131n olmamas\u0131<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Ya\u015fam merkezinin Almanya'da olmas\u0131<\/strong><\/li><\/ol><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0064b47 elementor-widget elementor-widget-heading\" data-id=\"0064b47\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">T\u00fcketici iflas\u0131n\u0131n s\u00fcreci ve s\u00fcresi<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb5b30 elementor-widget elementor-widget-text-editor\" data-id=\"5bb5b30\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\"><p class=\"whitespace-pre-wrap break-words\">\u0130flas Kanunu'nun revizyonundan bu yana, bir t\u00fcketici iflas\u0131n\u0131n s\u00fcresi genellikle \u00fc\u00e7 y\u0131ld\u0131r. Bu, 30.09.2020'den sonra ba\u015fvurulan prosed\u00fcrler i\u00e7in ge\u00e7erlidir.<\/p><p class=\"whitespace-pre-wrap break-words\">Her vaka bireyseldir ve \u0130flas Kanunu \u00e7e\u015fitli istisnalar \u00f6ng\u00f6r\u00fcr. Yine de tipik bir prosed\u00fcr ak\u0131\u015f\u0131 \u015fu \u015fekilde \u00f6zetlenebilir:<\/p><ol><li><strong>Mahkeme d\u0131\u015f\u0131 uzla\u015fma giri\u015fimi<br \/><\/strong>T\u00fcketici iflas\u0131 ba\u015fvurusundan \u00f6nce, alacakl\u0131larla mahkeme d\u0131\u015f\u0131 bir uzla\u015fma giri\u015fimi yasal olarak zorunludur. Bunun i\u00e7in tan\u0131nm\u0131\u015f bir bor\u00e7lu dan\u0131\u015fmanl\u0131\u011f\u0131 yard\u0131m\u0131yla bir bor\u00e7 tasfiye plan\u0131 haz\u0131rlan\u0131r. Bu plan, erteleme, taksitli \u00f6demeler veya k\u0131smi bor\u00e7 aff\u0131 i\u00e7erebilir. Plan sadece t\u00fcm alacakl\u0131lar\u0131n onay\u0131yla ge\u00e7erli olur. Ba\u015far\u0131s\u0131z olursa, iflas ba\u015fvurusu yap\u0131labilir.<\/li><\/ol><ol start=\"2\"><li><strong>\u0130flas ba\u015fvurusu<br \/><\/strong>Yaz\u0131l\u0131 ba\u015fvuru, yetkili iflas mahkemesine sunulur. Gerekli belgeler \u015funlar\u0131 i\u00e7erir:<\/li><\/ol><ul><li>Varl\u0131k, alacakl\u0131 ve alacak listesi ile bor\u00e7 tasfiye plan\u0131n\u0131 i\u00e7eren iflas ba\u015fvurusu<\/li><li>Ba\u015far\u0131s\u0131z uzla\u015fma giri\u015fimi hakk\u0131nda belge<\/li><li>Kalan bor\u00e7lardan kurtulma ba\u015fvurusu<\/li><li>Dava masraflar\u0131n\u0131n ertelenmesi ba\u015fvurusu<\/li><li>Foto\u011frafl\u0131 kimlik belgesinin kopyas\u0131<\/li><\/ul><ol start=\"3\"><li><strong>Ba\u015fvurunun incelenmesi<br \/><\/strong>Mahkeme, sunulan belgeleri ve t\u00fcketici iflas\u0131 i\u00e7in gerekli ko\u015fullar\u0131 inceler. Bu s\u00fcre\u00e7 birka\u00e7 hafta s\u00fcrebilir.<\/li><\/ol><ol start=\"4\"><li><strong>\u0130ste\u011fe ba\u011fl\u0131 mahkeme uzla\u015fma giri\u015fimi<br \/><\/strong>Mahkeme, ba\u015fka bir uzla\u015fma giri\u015fiminde bulunabilir. Bu durumda, alacakl\u0131lara d\u00f6rt hafta i\u00e7inde g\u00f6r\u00fc\u015f bildirebilecekleri bir bor\u00e7 tasfiye plan\u0131 yeniden g\u00f6nderilir. Bu mahkeme giri\u015fiminde \u015fu kural ge\u00e7erlidir: Sessizlik onay anlam\u0131na gelir. Ayr\u0131ca, reddeden bireysel alacakl\u0131lar oylanarak ge\u00e7ersiz k\u0131l\u0131nabilir.<\/li><\/ol><ol start=\"5\"><li><strong>T\u00fcketici iflas s\u00fcrecinin ba\u015flat\u0131lmas\u0131<\/strong><br \/>Mahkeme uzla\u015fma giri\u015fiminin ba\u015far\u0131s\u0131z olmas\u0131 veya atlanmas\u0131 durumunda, as\u0131l iflas s\u00fcreci ba\u015flat\u0131l\u0131r. Bu, kamuoyuna duyurulur. De\u011ferlendirilebilir varl\u0131klar\u0131 belirleyen ve alacakl\u0131lar\u0131 alacaklar\u0131n\u0131 bildirmeye \u00e7a\u011f\u0131ran bir iflas y\u00f6neticisi atan\u0131r. Devam eden hacizler ve icra i\u015flemleri durdurulur.<\/li><\/ol><ol start=\"6\"><li><strong>\u0130yi davran\u0131\u015f d\u00f6nemi<br \/><\/strong>Bu a\u015fama, s\u00fcrecin ba\u015flamas\u0131yla ba\u015flar ve \u00fc\u00e7 y\u0131l s\u00fcrer. Bu s\u00fcre zarf\u0131nda d\u00fczenli gelir elde etmek i\u00e7in \u00e7aba g\u00f6stermelisiniz. Gelirinizin haczedilebilir k\u0131sm\u0131 bor\u00e7 \u00f6demesi i\u00e7in kullan\u0131l\u0131r.<\/li><\/ol><ol start=\"7\"><li><strong>Kalan bor\u00e7lardan kurtulma ve s\u00fcrecin tamamlanmas\u0131<br \/><\/strong>\u00dc\u00e7 y\u0131l sonra t\u00fcketici iflas\u0131 sona erer. T\u00fcm y\u00fck\u00fcml\u00fcl\u00fcklerin yerine getirilmesi durumunda mahkeme kalan bor\u00e7lardan kurtulma karar\u0131 verir. Miktarlar\u0131ndan veya alacakl\u0131 say\u0131s\u0131ndan ba\u011f\u0131ms\u0131z olarak \u00e7o\u011fu bor\u00e7 silinir. \u0130stisnalar, kas\u0131tl\u0131 olarak i\u015flenen yasad\u0131\u015f\u0131 eylemlerden kaynaklanan alacaklar veya kas\u0131tl\u0131 olarak \u00f6denmemi\u015f nafaka alacaklar\u0131d\u0131r.<\/li><\/ol><p>\u00a0<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b46de79 e-flex e-con-boxed e-con e-parent\" data-id=\"b46de79\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dda1be3 elementor-widget elementor-widget-text-editor\" data-id=\"dda1be3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Bilinmesi gerekenler:<\/p><ul><li>Olumsuz Schufa kay\u0131tlar\u0131 art\u0131k s\u00fcrecin tamamlanmas\u0131ndan alt\u0131 ay sonra silinir.<\/li><li>\u0130yi davran\u0131\u015f d\u00f6nemi s\u0131ras\u0131nda iflas y\u00f6neticisinin onay\u0131yla serbest meslek faaliyeti m\u00fcmk\u00fcnd\u00fcr.<\/li><li>\u0130flas y\u00f6neticisi ile d\u00fczenli toplant\u0131lar gerekli olabilir, bunlar\u0131n s\u0131kl\u0131\u011f\u0131 duruma g\u00f6re de\u011fi\u015fir.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f219daf elementor-widget elementor-widget-text-editor\" data-id=\"f219daf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\">Bu t\u00fcketici iflas\u0131, a\u015f\u0131r\u0131 bor\u00e7lanmadan \u00e7\u0131k\u0131\u015f i\u00e7in yap\u0131land\u0131r\u0131lm\u0131\u015f bir yol ve finansal yeni bir ba\u015flang\u0131\u00e7 \u015fans\u0131 sunar.<\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3547f3d elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3547f3d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d95fa03\" data-id=\"d95fa03\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a9e16d elementor-widget elementor-widget-heading\" data-id=\"7a9e16d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">RAHAT B\u0130R NEFES ALIN<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89cae1c elementor-widget elementor-widget-heading\" data-id=\"89cae1c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">BISS S\u0130ZE YARDIMCI OLAB\u0130L\u0130R<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ffe67cf\" data-id=\"ffe67cf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-68368e8 elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68368e8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a1dd7a7\" data-id=\"a1dd7a7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7461983 elementor-widget elementor-widget-heading\" data-id=\"7461983\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">BISS ile T\u00fcketici \u0130flas\u0131: <\/br>Finansal \u00d6zg\u00fcrl\u00fc\u011fe Giden Yolunuz<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f85eb5 elementor-widget elementor-widget-text-editor\" data-id=\"9f85eb5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\"><p class=\"whitespace-pre-wrap break-words\">Bireyleri t\u00fcketici iflas\u0131 s\u00fcrecinde nas\u0131l destekledi\u011fimizi \u00f6\u011frenin - \u00f6n ko\u015fullardan kalan bor\u00e7lardan kurtulmaya kadar<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca98374 elementor-widget elementor-widget-heading\" data-id=\"ca98374\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Das Wichtigste zur <\/br>T\u00fcketici \u0130flas\u0131 <\/br>auf einen Blick<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ff9166d e-flex e-con-boxed e-con e-parent\" data-id=\"ff9166d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-941ba5a e-con-full e-flex e-con e-child\" data-id=\"941ba5a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-007b8eb e-flex e-con-boxed e-con e-child\" data-id=\"007b8eb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-974a8cc e-con-full e-flex e-con e-child\" data-id=\"974a8cc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc984ed elementor-widget elementor-widget-heading\" data-id=\"fc984ed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eb6218e e-con-full e-flex e-con e-child\" data-id=\"eb6218e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60e69eb elementor-widget elementor-widget-text-editor\" data-id=\"60e69eb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>T\u00fcketici iflas\u0131, bor\u00e7lar\u0131n\u0131 art\u0131k \u00f6deyemeyen bireyler i\u00e7in tasarlanm\u0131\u015ft\u0131r.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbd72a7 e-con-full e-flex e-con e-child\" data-id=\"fbd72a7\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-47b8c4b e-con-full e-flex e-con e-child\" data-id=\"47b8c4b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83ce33f elementor-widget elementor-widget-heading\" data-id=\"83ce33f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d7ae3da e-con-full e-flex e-con e-child\" data-id=\"d7ae3da\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58948b3 elementor-widget elementor-widget-text-editor\" data-id=\"58948b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Serbest meslek sahipleri i\u00e7in temel olarak normal iflas vard\u0131r, ancak: 20'den az alacakl\u0131s\u0131 olan ve i\u015f ili\u015fkilerinden borcu olmayan eski serbest meslek sahipleri de t\u00fcketici iflas\u0131ndan yararlanabilir.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5898d66 e-con-full e-flex e-con e-child\" data-id=\"5898d66\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-15b5295 e-con-full e-flex e-con e-child\" data-id=\"15b5295\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec4cb35 elementor-widget elementor-widget-heading\" data-id=\"ec4cb35\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-044f1ec e-con-full e-flex e-con e-child\" data-id=\"044f1ec\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47df476 elementor-widget elementor-widget-text-editor\" data-id=\"47df476\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S\u00fcre\u00e7 \u00fc\u00e7 y\u0131l s\u00fcrer ve kalan bor\u00e7lar\u0131n silinmesine yol a\u00e7abilir.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f7e676 e-con-full e-flex e-con e-child\" data-id=\"9f7e676\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e00646e e-con-full e-flex e-con e-child\" data-id=\"e00646e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cedfe7e elementor-widget elementor-widget-heading\" data-id=\"cedfe7e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e8b15d e-con-full e-flex e-con e-child\" data-id=\"5e8b15d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59fc175 elementor-widget elementor-widget-text-editor\" data-id=\"59fc175\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u0130flas ba\u015fvurusunun kabul\u00fcyle birlikte alacakl\u0131lar\u0131n t\u00fcm icra i\u015flemleri durdurulmal\u0131d\u0131r.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb85f95 e-con-full e-flex e-con e-child\" data-id=\"cb85f95\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1eb0d7a e-con-full e-flex e-con e-child\" data-id=\"1eb0d7a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e20e2e3 elementor-widget elementor-widget-heading\" data-id=\"e20e2e3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72cfb1e e-con-full e-flex e-con e-child\" data-id=\"72cfb1e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6842795 elementor-widget elementor-widget-text-editor\" data-id=\"6842795\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S\u00fcre\u00e7 boyunca belirli kurallar ge\u00e7erlidir, \u00f6zellikle gelir elde etmek i\u00e7in \u00e7aba g\u00f6sterme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e6cb43a e-con-full e-flex e-con e-child\" data-id=\"e6cb43a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e521d11 e-con-full e-flex e-con e-child\" data-id=\"e521d11\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae255e elementor-widget elementor-widget-heading\" data-id=\"2ae255e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b262595 e-con-full e-flex e-con e-child\" data-id=\"b262595\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ac8b79 elementor-widget elementor-widget-text-editor\" data-id=\"3ac8b79\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Gelirin haczedilebilir k\u0131sm\u0131 bor\u00e7 \u00f6demesi i\u00e7in kullan\u0131l\u0131r. Mevcut asgari muafiyet tutar\u0131 ayl\u0131k 1499,99 Euro'dur (Temmuz 2024 itibariyle).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4c685e e-con-full e-flex e-con e-child\" data-id=\"d4c685e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ce538a7 e-con-full e-flex e-con e-child\" data-id=\"ce538a7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6021cb elementor-widget elementor-widget-heading\" data-id=\"e6021cb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d35e788 e-con-full e-flex e-con e-child\" data-id=\"d35e788\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-116997a elementor-widget elementor-widget-text-editor\" data-id=\"116997a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u0130flas s\u0131ras\u0131nda iflas y\u00f6neticisinin onay\u0131yla serbest meslek faaliyeti m\u00fcmk\u00fcnd\u00fcr.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9c4538 elementor-widget elementor-widget-heading\" data-id=\"f9c4538\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Die Verbraucherinsolvenz: <\/br>Ein Neustart f\u00fcr Privatpersonen<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-219f933 elementor-widget elementor-widget-text-editor\" data-id=\"219f933\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\"><p class=\"whitespace-pre-wrap break-words\">Normal \u0130flas: \u0130\u015fletme Sahipleri ve Serbest Meslek Sahipleri i\u00e7in Yeni Bir Ba\u015flang\u0131\u00e7<\/p><p class=\"whitespace-pre-wrap break-words\">Normal iflas, Almanya'da serbest meslek sahipleri ve i\u015fletme sahipleri i\u00e7in \u00f6zel iflas prosed\u00fcr\u00fcd\u00fcr. \u0130\u015f insanlar\u0131n\u0131n \u00f6zel ihtiya\u00e7lar\u0131n\u0131 ve karma\u015f\u0131k finansal durumlar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in geli\u015ftirilmi\u015ftir.<\/p><p class=\"whitespace-pre-wrap break-words\">Normal iflas\u0131n ana \u00f6zellikleri:<\/p><ol><li><strong>Hedef kitle<\/strong> <br \/>\u00d6zellikle aktif serbest meslek sahipleri ve i\u015fletme sahipleri i\u00e7in tasarlanm\u0131\u015ft\u0131r.<\/li><li><strong>Karma\u015f\u0131kl\u0131k<\/strong> <br \/>\u0130\u015fletmelerin genellikle \u00e7ok katmanl\u0131 finansal ba\u011flant\u0131lar\u0131n\u0131 dikkate al\u0131r.<\/li><li><strong>Esneklik<\/strong> <br \/>Belirli ko\u015fullar alt\u0131nda, s\u00fcre\u00e7 s\u0131ras\u0131nda i\u015fletmenin devam etmesine olanak tan\u0131r.<\/li><li><strong>Kapsaml\u0131 inceleme<\/strong> <br \/>\u0130\u015f i\u015flemlerinin ve varl\u0131klar\u0131n\u0131n detayl\u0131 bir analizini i\u00e7erir.<\/li><\/ol><p class=\"whitespace-pre-wrap break-words\">Normal iflas\u0131n ama\u00e7lar\u0131:<\/p><ul class=\"-mt-1 list-disc space-y-2 pl-8\"><li class=\"whitespace-normal break-words\">\u0130\u015fletme varl\u0131klar\u0131n\u0131n d\u00fczenli tasfiyesi yoluyla alacakl\u0131lar\u0131n m\u00fcmk\u00fcn olan en iyi \u015fekilde tatmin edilmesi<\/li><li class=\"whitespace-normal break-words\">\u0130\u015fletme sahibine ekonomik yeniden ba\u015flang\u0131\u00e7 i\u00e7in bir f\u0131rsat sunulmas\u0131<\/li><\/ul><p class=\"whitespace-pre-wrap break-words\">Normal iflas\u0131n \u00f6nemli bir avantaj\u0131, s\u00fcrecin ba\u015far\u0131yla tamamlanmas\u0131ndan sonra kalan bor\u00e7lardan kurtulma olas\u0131l\u0131\u011f\u0131d\u0131r. Bu, bir i\u015fletme sahibi olarak, belirlenen bir s\u00fcre sonunda kalan bor\u00e7lar\u0131n\u0131zdan kurtulabilece\u011finiz ve b\u00f6ylece ger\u00e7ek bir yeni ba\u015flang\u0131\u00e7 \u015fans\u0131 elde edebilece\u011finiz anlam\u0131na gelir.<\/p><p class=\"whitespace-pre-wrap break-words\">Baden-W\u00fcrttemberg'deki BISS'te normal iflas prosed\u00fcrlerinde uzman\u0131z. \u0130\u015fletme sahiplerinin finansal kriz durumlar\u0131nda kar\u015f\u0131la\u015ft\u0131klar\u0131 \u00f6zel zorluklar\u0131 anl\u0131yoruz. Ekibimiz, ilk dan\u0131\u015fmanl\u0131ktan ba\u015fvuruya, iflas plan\u0131n\u0131n ba\u015far\u0131l\u0131 bir \u015fekilde uygulanmas\u0131na ve hedeflenen kalan bor\u00e7lardan kurtulmaya kadar s\u00fcrecin her a\u015famas\u0131nda size e\u015flik eder.<\/p><p class=\"whitespace-pre-wrap break-words\">Normal iflas\u0131n sizin i\u00e7in ba\u015far\u0131l\u0131 bir yeni ba\u015flang\u0131ca giden yol olabilece\u011fi konusunda size dan\u0131\u015fmanl\u0131k yapal\u0131m.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66377fd elementor-widget elementor-widget-heading\" data-id=\"66377fd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">T\u00fcketici iflas\u0131 ba\u015fvurusunda bulunabilmek i\u00e7in a\u015fa\u011f\u0131daki kriterlerin kar\u015f\u0131lanmas\u0131 gerekir<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df32d95 elementor-widget elementor-widget-text-editor\" data-id=\"df32d95\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\"><p class=\"whitespace-pre-wrap break-words\">T\u00fcketici iflas\u0131 i\u00e7in \u00f6n ko\u015fullar:<\/p><p class=\"whitespace-pre-wrap break-words\">\u0130flas Kanunu, bir iflas prosed\u00fcr\u00fcn\u00fcn ba\u015flat\u0131lmas\u0131 i\u00e7in \u00fc\u00e7 ana neden tan\u0131mlar:<\/p><ol class=\"-mt-1 list-decimal space-y-2 pl-8\"><li class=\"whitespace-normal break-words\"><strong>\u00d6deme aczi veya yak\u0131n \u00f6deme aczi tehdidi<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Ba\u015fvuru s\u0131ras\u0131nda mevcut bir serbest meslek faaliyeti olmamas\u0131<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>En fazla 19 alacakl\u0131<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Tan\u0131nm\u0131\u015f bir kurum taraf\u0131ndan y\u00fcr\u00fct\u00fclen ba\u015far\u0131s\u0131z mahkeme d\u0131\u015f\u0131 uzla\u015fma giri\u015fimi<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Eski \u00e7al\u0131\u015fanlardan kaynaklanan i\u015f ili\u015fkisi bor\u00e7lar\u0131n\u0131n olmamas\u0131<\/strong><\/li><li class=\"whitespace-normal break-words\"><strong>Ya\u015fam merkezinin Almanya'da olmas\u0131<\/strong><\/li><\/ol><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86d37ef elementor-widget elementor-widget-heading\" data-id=\"86d37ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">T\u00fcketici iflas\u0131n\u0131n s\u00fcreci ve s\u00fcresi<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d44a0ba elementor-widget elementor-widget-text-editor\" data-id=\"d44a0ba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\"><p class=\"whitespace-pre-wrap break-words\">\u0130flas Kanunu'nun revizyonundan bu yana, bir t\u00fcketici iflas\u0131n\u0131n s\u00fcresi genellikle \u00fc\u00e7 y\u0131ld\u0131r. Bu, 30.09.2020'den sonra ba\u015fvurulan prosed\u00fcrler i\u00e7in ge\u00e7erlidir.<\/p><p class=\"whitespace-pre-wrap break-words\">Her vaka bireyseldir ve \u0130flas Kanunu \u00e7e\u015fitli istisnalar \u00f6ng\u00f6r\u00fcr. Yine de tipik bir prosed\u00fcr ak\u0131\u015f\u0131 \u015fu \u015fekilde \u00f6zetlenebilir:<\/p><ol><li><strong>Mahkeme d\u0131\u015f\u0131 uzla\u015fma giri\u015fimi<br \/><\/strong>T\u00fcketici iflas\u0131 ba\u015fvurusundan \u00f6nce, alacakl\u0131larla mahkeme d\u0131\u015f\u0131 bir uzla\u015fma giri\u015fimi yasal olarak zorunludur. Bunun i\u00e7in tan\u0131nm\u0131\u015f bir bor\u00e7lu dan\u0131\u015fmanl\u0131\u011f\u0131 yard\u0131m\u0131yla bir bor\u00e7 tasfiye plan\u0131 haz\u0131rlan\u0131r. Bu plan, erteleme, taksitli \u00f6demeler veya k\u0131smi bor\u00e7 aff\u0131 i\u00e7erebilir. Plan sadece t\u00fcm alacakl\u0131lar\u0131n onay\u0131yla ge\u00e7erli olur. Ba\u015far\u0131s\u0131z olursa, iflas ba\u015fvurusu yap\u0131labilir.<\/li><\/ol><ol start=\"2\"><li><strong>\u0130flas ba\u015fvurusu<br \/><\/strong>Yaz\u0131l\u0131 ba\u015fvuru, yetkili iflas mahkemesine sunulur. Gerekli belgeler \u015funlar\u0131 i\u00e7erir:<\/li><\/ol><ul><li>Varl\u0131k, alacakl\u0131 ve alacak listesi ile bor\u00e7 tasfiye plan\u0131n\u0131 i\u00e7eren iflas ba\u015fvurusu<\/li><li>Ba\u015far\u0131s\u0131z uzla\u015fma giri\u015fimi hakk\u0131nda belge<\/li><li>Kalan bor\u00e7lardan kurtulma ba\u015fvurusu<\/li><li>Dava masraflar\u0131n\u0131n ertelenmesi ba\u015fvurusu<\/li><li>Foto\u011frafl\u0131 kimlik belgesinin kopyas\u0131<\/li><\/ul><ol start=\"3\"><li><strong>Ba\u015fvurunun incelenmesi<br \/><\/strong>Mahkeme, sunulan belgeleri ve t\u00fcketici iflas\u0131 i\u00e7in gerekli ko\u015fullar\u0131 inceler. Bu s\u00fcre\u00e7 birka\u00e7 hafta s\u00fcrebilir.<\/li><\/ol><ol start=\"4\"><li><strong>\u0130ste\u011fe ba\u011fl\u0131 mahkeme uzla\u015fma giri\u015fimi<br \/><\/strong>Mahkeme, ba\u015fka bir uzla\u015fma giri\u015fiminde bulunabilir. Bu durumda, alacakl\u0131lara d\u00f6rt hafta i\u00e7inde g\u00f6r\u00fc\u015f bildirebilecekleri bir bor\u00e7 tasfiye plan\u0131 yeniden g\u00f6nderilir. Bu mahkeme giri\u015fiminde \u015fu kural ge\u00e7erlidir: Sessizlik onay anlam\u0131na gelir. Ayr\u0131ca, reddeden bireysel alacakl\u0131lar oylanarak ge\u00e7ersiz k\u0131l\u0131nabilir.<\/li><\/ol><ol start=\"5\"><li><strong>T\u00fcketici iflas s\u00fcrecinin ba\u015flat\u0131lmas\u0131<\/strong><br \/>Mahkeme uzla\u015fma giri\u015fiminin ba\u015far\u0131s\u0131z olmas\u0131 veya atlanmas\u0131 durumunda, as\u0131l iflas s\u00fcreci ba\u015flat\u0131l\u0131r. Bu, kamuoyuna duyurulur. De\u011ferlendirilebilir varl\u0131klar\u0131 belirleyen ve alacakl\u0131lar\u0131 alacaklar\u0131n\u0131 bildirmeye \u00e7a\u011f\u0131ran bir iflas y\u00f6neticisi atan\u0131r. Devam eden hacizler ve icra i\u015flemleri durdurulur.<\/li><\/ol><ol start=\"6\"><li><strong>\u0130yi davran\u0131\u015f d\u00f6nemi<br \/><\/strong>Bu a\u015fama, s\u00fcrecin ba\u015flamas\u0131yla ba\u015flar ve \u00fc\u00e7 y\u0131l s\u00fcrer. Bu s\u00fcre zarf\u0131nda d\u00fczenli gelir elde etmek i\u00e7in \u00e7aba g\u00f6stermelisiniz. Gelirinizin haczedilebilir k\u0131sm\u0131 bor\u00e7 \u00f6demesi i\u00e7in kullan\u0131l\u0131r.<\/li><\/ol><ol start=\"7\"><li><strong>Kalan bor\u00e7lardan kurtulma ve s\u00fcrecin tamamlanmas\u0131<br \/><\/strong>\u00dc\u00e7 y\u0131l sonra t\u00fcketici iflas\u0131 sona erer. T\u00fcm y\u00fck\u00fcml\u00fcl\u00fcklerin yerine getirilmesi durumunda mahkeme kalan bor\u00e7lardan kurtulma karar\u0131 verir. Miktarlar\u0131ndan veya alacakl\u0131 say\u0131s\u0131ndan ba\u011f\u0131ms\u0131z olarak \u00e7o\u011fu bor\u00e7 silinir. \u0130stisnalar, kas\u0131tl\u0131 olarak i\u015flenen yasad\u0131\u015f\u0131 eylemlerden kaynaklanan alacaklar veya kas\u0131tl\u0131 olarak \u00f6denmemi\u015f nafaka alacaklar\u0131d\u0131r.<\/li><\/ol><p>\u00a0<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d36f70c e-flex e-con-boxed e-con e-parent\" data-id=\"d36f70c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e54f1b elementor-widget elementor-widget-text-editor\" data-id=\"4e54f1b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Bilinmesi gerekenler:<\/p><ul><li>Olumsuz Schufa kay\u0131tlar\u0131 art\u0131k s\u00fcrecin tamamlanmas\u0131ndan alt\u0131 ay sonra silinir.<\/li><li>\u0130yi davran\u0131\u015f d\u00f6nemi s\u0131ras\u0131nda iflas y\u00f6neticisinin onay\u0131yla serbest meslek faaliyeti m\u00fcmk\u00fcnd\u00fcr.<\/li><li>\u0130flas y\u00f6neticisi ile d\u00fczenli toplant\u0131lar gerekli olabilir, bunlar\u0131n s\u0131kl\u0131\u011f\u0131 duruma g\u00f6re de\u011fi\u015fir.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e050c9 elementor-widget elementor-widget-text-editor\" data-id=\"9e050c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-claude-message pr-4 md:pr-9 relative leading-[1.65rem] [&amp;_pre&gt;div]:bg-bg-300 [&amp;_pre]:-mr-4 md:[&amp;_pre]:-mr-9\"><div><div class=\"grid-col-1 grid gap-2.5 [&amp;_&gt;_*]:min-w-0\">Bu t\u00fcketici iflas\u0131, a\u015f\u0131r\u0131 bor\u00e7lanmadan \u00e7\u0131k\u0131\u015f i\u00e7in yap\u0131land\u0131r\u0131lm\u0131\u015f bir yol ve finansal yeni bir ba\u015flang\u0131\u00e7 \u015fans\u0131 sunar.<\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6996ce2 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6996ce2\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-be98b42\" data-id=\"be98b42\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4322d60 elementor-widget elementor-widget-heading\" data-id=\"4322d60\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">RAHAT B\u0130R NEFES ALIN<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69660e9 elementor-widget elementor-widget-heading\" data-id=\"69660e9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">BISS S\u0130ZE YARDIMCI OLAB\u0130L\u0130R<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f61a200\" data-id=\"f61a200\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Service INSOLVENZVERMEIDUNG PFAENDUNGSSCHUTZKONTO REGELINSOLVENZ JETZT KOSTENLOSEN TERMIN BUCHEN Verbraucherinsolvenz mit BISS: Ihr Weg in die finanzielle Freiheit Erfahren Sie, wie wir Privatpersonen durch den Prozess der Verbraucherinsolvenz begleiten &#8211; von den Voraussetzungen bis zur Restschuldbefreiung Das Wichtigste zur Verbraucherinsolvenz auf einen Blick 1 Die Verbraucherinsolvenz ist f\u00fcr Privatpersonen konzipiert, die ihre Schulden nicht mehr begleichen [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3667","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/pages\/3667","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/comments?post=3667"}],"version-history":[{"count":40,"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/pages\/3667\/revisions"}],"predecessor-version":[{"id":3940,"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/pages\/3667\/revisions\/3940"}],"wp:attachment":[{"href":"https:\/\/schuldnerservice.de\/tr\/wp-json\/wp\/v2\/media?parent=3667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}