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12 bills

Topic debtor12
  1. HE 59/2024 vpPassed with amendments

    Enhancing bankruptcy supervision and information access

    The rights of the Bankruptcy Ombudsman and the estate administrator to obtain the debtor's financial and accounting data will be strengthened. At the same time, the rules on completing accounting records and recovering public receivership costs will be clarified.

    13 Sep 2024 · passed without a vote
  2. HE 12/2023 vpPassed

    Safeguarding additional debt restructuring payments

    Creditors' ability to demand additional payments from a debtor will be safeguarded in old debt restructurings. The change applies to situations where a payment schedule was confirmed before July 2022.

    12 Oct 2023 · passed without a vote
  3. HE 218/2022 vpPassed

    Lowering consumer credit interest caps

    The interest rate cap on consumer credit will be lowered and new restrictions will be placed on credit marketing to curb over-indebtedness. In online shops, paying by invoice will require strong customer authentication, and payment methods involving credit may no longer be offered as the default option.

    23 Feb 2023 · 1 vote

    Only vote · 1. lakiehdotus, 7 luvun 17 a § , mietintö / Veikko Vallin

    106 jaa
    42 ei
  4. HE 216/2022 vpPassed

    Temporarily raising the enforcement protected amount

    The protected amount in debt enforcement will be raised to the level of the guarantee pension for 2023. The change leaves debt enforcement debtors with more money for living expenses.

    24 Nov 2022 · passed without a vote
  5. HE 32/2023 vpPassed

    Retaining the increased enforcement protected portion

    The temporary increase in the protected portion in enforcement will be made permanent from the beginning of 2024. This will leave debtors with more income to live on after the distraint of wages or benefits.

    27 Nov 2023 · passed without a vote
  6. HE 142/2022 vpPassed with amendments

    Increasing payment-free months in distraint

    The number of payment-free months for low-income debtors under enforcement will be increased, leaving them with more money for their own use. In addition, exceptionally high expenses incurred in acquiring income, such as commuting costs, may reduce monthly distraint.

    18 Nov 2022 · passed without a vote
  7. HE 238/2021 vpPassed with amendments

    Easing corporate restructuring and debt adjustment

    A new early restructuring procedure will be established for businesses, and access to debt adjustment will be facilitated for indebted individuals and entrepreneurs. The reform will speed up debt relief and a fresh start for operators facing financial difficulties.

    13 May 2022 · 1 vote

    Only vote · Lausumaehdotus , mietintö / Peter Östman

    88 jaa
    66 ei
  8. HE 241/2021 vpPassed with amendments

    Permanent caps on corporate collection costs

    Permanent euro-denominated caps will be set for collection costs on claims collected from businesses and other organisations. At the same time, time limits for collection measures will be extended and electronic service will be made more flexible.

    8 Apr 2022 · passed without a vote
  9. HE 233/2020 vpPassed

    Extra time to pay debts

    Companies will temporarily receive additional time to pay their debts before a creditor can petition for their bankruptcy based on failure to comply with a demand for payment. The payment period will be extended from the usual one week to 30 days.

    17 Dec 2020 · passed without a vote
  10. HE 191/2020 vpPassed

    Temporary caps on business debt collection

    Temporary price caps will be placed on collection costs for claims collected from businesses and corporations to prevent the payment difficulties of businesses suffering from the Covid crisis from deepening. At the same time, the use of draft collection, which carries the threat of public listing, against small businesses and sole traders will be restricted.

    8 Dec 2020 · passed without a vote
  11. HE 164/2020 vpPassed

    Extending bankruptcy protection for companies

    Creditors will still not be able to petition for a company's bankruptcy solely on the basis of failure to pay a payment demand. The temporary protection introduced due to the coronavirus crisis will be extended until the end of January 2021.

    26 Oct 2020 · passed without a vote
  12. HE 46/2020 vpPassed with amendments

    Protecting businesses from coronavirus bankruptcies

    Businesses will be temporarily protected from bankruptcy due to sudden payment difficulties caused by the coronavirus pandemic. A creditor will not be able to petition for a company's bankruptcy solely on the basis of an unpaid demand for payment made under threat of bankruptcy.

    29 Apr 2020 · passed without a vote