{"id":15265,"date":"2024-01-23T09:55:32","date_gmt":"2024-01-23T09:55:32","guid":{"rendered":"https:\/\/www.valadascoriel.com\/?page_id=15265"},"modified":"2024-05-07T16:15:10","modified_gmt":"2024-05-07T16:15:10","slug":"insolvencia-ou-peap-devedor-singular-em-situacao-de-dificuldade-financeira-liquidacao-ou-negociacao","status":"publish","type":"page","link":"https:\/\/www.valadascoriel.com\/pt-pt\/areas-de-pratica\/insolvencia-per-e-peap\/insolvencia-ou-peap-devedor-singular-em-situacao-de-dificuldade-financeira-liquidacao-ou-negociacao\/","title":{"rendered":"Insolv\u00eancia ou PEAP"},"content":{"rendered":"\n<h2 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-eb7fc4783bce8bca9e0cfebd1b69e98c\" id=\"h-devedor-singular-em-situacao-de-dificuldade-financeira-liquidacao-ou-negociacao\">Devedor singular em situa\u00e7\u00e3o de dificuldade financeira: Liquida\u00e7\u00e3o ou negocia\u00e7\u00e3o?<\/h2>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"wp-bootstrap-blocks-row row gy-4\">\n\t\n\n<div class=\"col-12 col-md-6\">\n\t\t\t<div class=\"h-100 d-flex flex-column justify-content-start\">\n\t\t\t\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"819\" height=\"1024\" src=\"https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-1-819x1024.png\" alt=\"\" class=\"wp-image-15227\" style=\"object-fit:cover;width:480px;height:640px\" srcset=\"https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-1-819x1024.png 819w, https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-1-240x300.png 240w, https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-1-768x960.png 768w, https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-1-144x180.png 144w, https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-1.png 1001w\" sizes=\"auto, (max-width: 819px) 100vw, 819px\" \/><\/figure>\n<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<div class=\"col-12 col-md-6 align-items-end\">\n\t\t\t<div class=\"h-100 d-flex flex-column justify-content-start\">\n\t\t\t\n\n<p>Quando uma pessoa singular se encontra em situa\u00e7\u00e3o de dificuldade financeira, pode recorrer essencialmente a dois mecanismos, consoante essa situa\u00e7\u00e3o seja ou n\u00e3o irrevers\u00edvel, isto \u00e9, consoante existam ou n\u00e3o hip\u00f3teses vi\u00e1veis para a sua recupera\u00e7\u00e3o financeira.<\/p>\n\n\n\n<p>Se o devedor se encontrar em situa\u00e7\u00e3o de insolv\u00eancia, que se verifica quando aquele se encontrar impossibilitado de cumprir com as suas obriga\u00e7\u00f5es vencidas, e sem solvabilidade que lhe permita, atrav\u00e9s de negocia\u00e7\u00e3o com os seus credores, liquidar as suas d\u00edvidas, o mesmo dever\u00e1 apresentar-se a processo de insolv\u00eancia. <a><\/a><\/p>\n\n\n\n<p>A Lei prev\u00ea que tamb\u00e9m os credores possam requerer a insolv\u00eancia dos devedores singulares, mediante o preenchimento de certos requisitos.<\/p>\n\n\n\n<p>Com a declara\u00e7\u00e3o de insolv\u00eancia, os poderes de administra\u00e7\u00e3o e disposi\u00e7\u00e3o de bens passam do devedor para o Administrador de Insolv\u00eancia nomeado, que ficar\u00e1 incumbido de liquidar os bens do devedor (se existirem) com vista a pagar, de forma rateada, aos seus credores.<\/p>\n\n\n\n<p><a>A declara\u00e7\u00e3o de insolv\u00eancia tem tamb\u00e9m o efeito de suspender quaisquer dilig\u00eancias executivas que atinjam o patrim\u00f3nio do devedor<\/a>, que passa a integrar a massa insolvente. Dentro do processo de insolv\u00eancia, \u00e9 poss\u00edvel abrir incidente de exonera\u00e7\u00e3o do passivo restante, o qual permite ao devedor libertar-se da quase totalidade das suas d\u00edvidas que n\u00e3o sejam pagas no \u00e2mbito do processo de insolv\u00eancia num per\u00edodo de 3 anos.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n<\/div>\n\n\n<div class=\"wp-bootstrap-blocks-row row gy-4\">\n\t\n\n<div class=\"col-12 col-md-6\">\n\t\t\t<div class=\"h-100 d-flex flex-column justify-content-end\">\n\t\t\t\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Pelo contr\u00e1rio, se o devedor se encontrar em situa\u00e7\u00e3o de dificuldade financeira mas for suscept\u00edvel de recupera\u00e7\u00e3o, isto \u00e9, se enfrentar s\u00e9rias dificuldades em cumprir as suas obriga\u00e7\u00f5es de forma pontual, mas for capaz de continuar a cumprir com as suas obriga\u00e7\u00f5es caso consiga negociar com os seus credores condi\u00e7\u00f5es mais favor\u00e1veis de pagamento, o mesmo dever\u00e1 apresentar-se a PEAP \u2013 processo especial para acordo de pagamento.<\/p>\n\n\n\n<p>O objectivo do PEAP \u00e9 que seja dada hip\u00f3tese ao devedor de negociar com os seus credores um acordo global de pagamento que lhe permita continuar a cumprir com as suas obriga\u00e7\u00f5es, sem necessidade de liquida\u00e7\u00e3o do seu patrim\u00f3nio.<\/p>\n\n\n\n<p>Com este tipo de processo, o devedor nunca perde os poderes de administra\u00e7\u00e3o do seu patrim\u00f3nio, e a figura do Administrador subsiste apenas enquanto durar o processo judicial. \u00c0 semelhan\u00e7a do processo de insolv\u00eancia, tamb\u00e9m neste tipo de processo ficam suspensas quaisquer dilig\u00eancias executivas, as quais n\u00e3o ser\u00e3o retomadas se as negocia\u00e7\u00f5es com os credores forem bem-sucedidas e o plano for aprovado.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\n\n<div class=\"col-12 col-md-6 align-items-end\">\n\t\t\t<div class=\"h-100 d-flex flex-column justify-content-end\">\n\t\t\t\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1001\" src=\"https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-2.png\" alt=\"\" class=\"wp-image-15229\" style=\"object-fit:cover;width:480px;height:480px\" srcset=\"https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-2.png 1000w, https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-2-300x300.png 300w, https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-2-150x150.png 150w, https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-2-768x769.png 768w, https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-2-180x180.png 180w, https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-2-380x380.png 380w, https:\/\/www.valadascoriel.com\/wp-content\/uploads\/2024\/01\/INSOLVENCY-PER-PEAP-PORTUGAL-VALADAS-CORIEL-2-600x600.png 600w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\t\t<\/div>\n\t<\/div>\n\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-primary-color has-alpha-channel-opacity has-primary-background-color has-background is-style-default\"\/>\n\n\n\n<div id=\"mb-block-33824823-d5ce-426d-929e-be56b871a99f\" class=\"odin-group odin-pt odin-pb alignfull\">\n\t<div class=\"container-fluid\">\n\t\t<div class=\"row justify-content-center\">\n\t\t\t<div class=\"col-12\">\n\t\t\t\t\n\n<h2 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-941f3d37db68a07e44c060d8f6b8af49\" id=\"h-topicos-relacionados\">T\u00f3picos Relacionados<\/h2>\n\n\n<div class=\"odin-buttons justify-content-start\">\n\t<a href=\"https:\/\/www.valadascoriel.com\/pt-pt\/areas-de-pratica\/insolvencia-per-e-peap\/insolvencia-ou-per-solucoes-para-empresas-em-dificuldades-financeiras-liquidacao-ou-recuperacao\/\" class=\"odin-button odin-button-link\">\n\t<span>\n\t\t<span class=\"odin-button-anchor\">Insolv\u00eancia ou PER &#8211; Solu\u00e7\u00f5es para empresas em dificuldades financeiras: liquida\u00e7\u00e3o ou recupera\u00e7\u00e3o?<\/span>\n\t\t<span class=\"odin-icon odin-icon--font-awesome\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><!--! 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