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Здравствуйте, уважаемые эксперты! Помогите, пожалуйста, советом. Ситуация: 2х-комнатная квартира преватизирована на 4х человек в равных долях (мать, отец и две взрослые дочери), живут там все. Далее одна дочь вышла замуж, прописали туда ее мужа, появился ребенок (сейчас 2 года), 9 октября 08 года они развелись, официального раздела имущества небыло и бувший мыж все еще прописан в этой квартире, но не проживает давно, не работает, ребенку не помогает. Оказалось, что бывший муж еще до развода брал кредит. Сегодня без предупреждения на квартиру заявились сотрудники банка и потребовали выплатить немалый кредит, на что дали два дня, иначе угрожают что по суду сумма увеличится в трое. Вопрос: Как поступить? Искать деньги и выплачивать кредит? Возможно ли, подав на раздел имущества, после развода добиться чтобы банк требовал выплаты только с бывшего мужа? Как и на что банк может обратить взыскание?
Обсуждение
Неизвестный
14.11.2008, 15:28
общий
это ответ
Здравствуйте, Zayka! Сотрудники банка так себя не ведут (не имеют права). Таких "сотрудников" не бойтесь. Насчет увеличения суммы втрое они "пошутили". Для начала выпишите бывшего мужа из квартиры как бывшего члена семьи собственника, подав заявление в паспортный стол. В случае судебного иска по поводу взятого без ведома супруги кредита Вы можете подать встречный иск о расторжении кредитного договора. Если банк не потребовал согласия супруги при выдаче кредита, то он виноват. Подумайте на всякий случай, что Вы приобретали в браке из зарегистрированного имущества. Если ничего, то считайте, "супружеского" имущества, которое можно было бы разделить, у Вас нет и делить нечего. Будут дополнительные вопросы - постараюсь ответить.
Неизвестный
14.11.2008, 17:35
общий
Значит возможно расторгнуть кредитный договор на основании того, что банк не потребовал согласия супруги. А зависит ли эта возможность от величины суммы кредита (может кредит был взят на какой-нибудь недорогойтелефон, но так вырос на штрафах и пенях)?
Неизвестный
15.11.2008, 20:18
общий
это ответ
Здравствуйте, Zayka! Вы не будете платить кредит бывшего мужа. Вам необходимо подать на раздел имущества. Ведь, даже, когда люди состоят в браке, кредитор может потребовать через суд выдела доли должника из общего имущества супругов, потом на эту долю налагается арест. Требования банка не правомерны, поэтому Вам не надо ничего выплачивать, если конечно Вы не были поручителем у своего мужа.
Неизвестный
16.11.2008, 21:57
общий
Договор расторгнуть, врятли удасться, а вот опротестовать, возможно. Для начала необходимо выяснить что за кредит, на какую сумму, и что за банк. А затем...
Неизвестный
16.12.2008, 19:22
общий
Коллеги! Мягко говоря, немотивированный ответ с предложением подать иск о расторжении не основан на законе. Не требует закон на каждую сделку требовать согласия супруга. Даже если предположить, что такая возможность и была, то при расторжении кредитного договора возврата денег не надо?
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