Bankruptcy law overhaul 'will hurt small business'

jialiren

Bankruptcy law overhaul 'will hurt small business'
对房产市场有影响吗？ 是不是违约率上升？ 如果明年利率再上升，那目前的房地产的疯估计就迷失了？


http://www.abc.net.au/news/stories/2009/08/25/2666603.htm


Bankruptcy specialists are worried the Federal Government's proposed changes to insolvency laws go too far.

The Government wants to raise the threshold at which creditors can file for bankruptcy against individuals.

It says raising the level from $2,000 to $10,000 will encourage people to use other methods to settle debts.

But Mark Robinson from the Insolvency Practitioners Association says the change could hurt small businesses that are trying to recover money.

"Two thousand dollars was too low, and I think $10,000 is too high, but it's always difficult to draw the line in the sand," he said.

"The Insolvency Practitioners Association view was that maybe $5,000 was the right number, maybe with a CPI indexing such that it would track with inflation."

Federal Opposition Leader Malcolm Turnbull says the Coalition will examine the proposed changes.

"Obviously as you raise the threshold there are issues then for people who are owed smaller amounts of money and we will be looking very closely ... at the impact that will have on small business," he said.

Financial counsellors say the Federal Government moves will help people struggling to manage their debts.

Carmel Franklin from Care Financial Services in the ACT says it also means people will have 28 days instead of seven to go through the filing process.

"Currently if people are thinking of going bankrupt they can put in a declaration of intent and after seven days they need to have lodged their papers," she said.

"If someone doesn't understand the ramifications of bankruptcy, seven days is not long enough to find out what your alternatives are."

Karen Cox from the Consumer Credit Legal Centre says creditors will now have to use other means when they are trying to recover amounts under $10,000.

"There are other options for enforcing debts below the new threshold. There are garnishees available on bank accounts or salaries," she said.

"There is simply asking the debtor to make repayments or you can even send the sheriff around to look at selling up personal property."

jialiren

很奇怪，电视里明明听到是讲到这个最近的违约率是同前期相比大幅上升的，为什么在文章里就找不到？ 这个违约的比率？