#1780376
nósanna imeachta as a dtiocfadh urscaoileadh fiachais a thabhaigh fiontraithe dócmhainneacha; agus
procedures leading to a discharge of debt incurred by insolvent entrepreneurs; and
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#1780377
bearta chun éifeachtúlacht nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais a mhéadú.
measures to increase the efficiency of procedures concerning restructuring, insolvency and discharge of debt.
#1780643
URSCAOILEADH FIACHAIS AGUS DÍCHÁILÍOCHTAÍ
DISCHARGE OF DEBT AND DISQUALIFICATIONS
#1780668
i gcás iarratais mhíchuí ar urscaoileadh fiachais;
there are abusive applications for a discharge of debt;
#1780670
i gcás nach gclúdaítear costas an nós imeachta as a dtagann urscaoileadh fiachais; nó
the cost of the procedure leading to the discharge of debt is not covered; or
#1780692
BEARTA CHUN ÉIFEACHTÚLACHT NÓSANNA IMEACHTA A BHAINEANN LE hATHSTRUCHTÚRÚ, DÓCMHAINNEACHT AGUS URSCAOILEADH FIACHAIS A MHÉADÚ
MEASURES TO INCREASE THE EFFICIENCY OF PROCEDURES CONCERNING RESTRUCTURING, INSOLVENCY AND DISCHARGE OF DEBT
#1780699
Cleachtóirí i nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais
Practitioners in procedures concerning restructuring, insolvency and discharge of debt
#1780722
FAIREACHÁN A DHÉANAMH AR NÓSANNA IMEACHTA A BHAINEANN LE hATHSTRUCHTÚRÚ, DÓCMHAINNEACHT AGUS URSCAOILEADH FIACHAIS
MONITORING OF PROCEDURES CONCERNING RESTRUCTURING, INSOLVENCY AND DISCHARGE OF DEBT
#1780739
pé acu an mbaineann na nósanna imeachta as a dtagann urscaoileadh fiachais leis na fiontraithe amháin nó leis na daoine nádúrtha uile.
whether the procedures leading to a discharge of debt concern only entrepreneurs or all natural persons.
#1779978
maidir le creataí um athstruchtúrú coisctheach, maidir le hurscaoileadh fiachais, agus maidir le dícháílíochtaí agus maidir le bearta chun éifeachtúlacht nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais a fheabhsú, agus lena leasaítear Treoir (AE) 2017/1132 (an Treoir maidir le hathstruchtúrú agus dócmhainneacht)
on preventive restructuring frameworks, on discharge of debt and disqualifications, and on measures to increase the efficiency of procedures concerning restructuring, insolvency and discharge of debt, and amending Directive (EU) 2017/1132 (Directive on restructuring and insolvency)
#1779989
Gan cur isteach ar chearta agus saoirsí bunúsacha oibrithe, tá sé mar aidhm leis an Treoir seo bacainní den sórt sin a bhaint trína áirithiú: go bhfuil rochtain ag fiontair inmharthana agus fiontraithe a bhfuil deacrachtaí airgeadais acu ar chreataí éifeachtacha náisiúnta um athstruchtúrú coisctheach a chuireann ar a gcumas leanúint de bheith ag feidhmiú; gur féidir le fiontraithe macánta atá dócmhainneach nó a bhfuil rófhéichiúnas acu tairbhiú d'urscaoileadh iomlán fiachais tar éis tréimhse réasúnta ama, ar ní é a ligfidh dóibh dara deis a bheith acu; agus go bhfeabhsaítear éifeachtacht na nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais, go háirithe d'fhonn a bhfad a ghiorrú.
Without affecting workers' fundamental rights and freedoms, this Directive aims to remove such obstacles by ensuring that: viable enterprises and entrepreneurs that are in financial difficulties have access to effective national preventive restructuring frameworks which enable them to continue operating; honest insolvent or over-indebted entrepreneurs can benefit from a full discharge of debt after a reasonable period of time, thereby allowing them a second chance; and that the effectiveness of procedures concerning restructuring, insolvency and discharge of debt is improved, in particular with a view to shortening their length.
#1780271
Má tá níos mó ná nós imeachta amháin a mbeidh urscaoileadh fiachais mar thoradh air ar fáil faoin dlí náisiúnta, ba cheart do na Ballstáit a áirithiú go dtugann ceann amháin de na nósanna imeachta sin ar a laghad an deis d'fhiontraithe dócmhainneacha go ndéanfaí a bhfiachas a urscaoileadh go hiomlán laistigh de thréimhse nach faide ná 3 bliana.
If more than one procedure leading to discharge of debt is available under national law, Member States should ensure that at least one of those procedures gives insolvent entrepreneurs the opportunity of having a full discharge of debt within a period that does not exceed three years.
#1780328
Níor cheart é a bheith mar oibleagáid ar pháirtithe sna nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais úsáid a bhaint as modhanna leictreonacha cumarsáide más rud é nach bhfuil úsáid den sórt sin éigeantach faoin dlí náisiúnta, gan dochar don deis atá ag na Ballstáit córas éigeantach do chomhdú agus do sheirbheáil doiciméad go leictreonach i nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais.
Parties to procedures concerning restructuring, insolvency and discharge of debt should not be obliged to use electronic means of communication if such use is not mandatory under national law, without prejudice to Member States being able to establish a mandatory system of electronic filing and service of documents in procedures concerning restructuring, insolvency and discharge of debt.
#1780664
De mhaolú ar Airteagail 20 go 22, déanfaidh na Ballstáit forálacha a choinneáil ar bun nó a thabhairt isteach a dhiúltaíonn nó a shrianann rochtain ar urscaoileadh fiachais nó a chúlghaireann leas an urscaoilte sin nó lena bhforáiltear do thréimhsí níos faide chun urscaoileadh iomlán fiachais a fháil nó tréimhsí dícháilithe níos faide i gcás ina ndearna an fiontraí dócmhainneach é féin a iompar go mímhacánta nó de mheon mímhacánta faoin dlí náisiúnta i leith creidiúnaithe nó geallsealbhóirí eile nuair a bhí féichiúnas ag teacht air, le linn imeachtaí dócmhainneachta nó le linn don fhiachas a bheith á íoc, gan dochar do na rialacha náisiúnta maidir le dualgas cruthúnais.
By way of derogation from Articles 20 to 22, Member States shall maintain or introduce provisions denying or restricting access to discharge of debt, revoking the benefit of such discharge or providing for longer periods for obtaining a full discharge of debt or longer disqualification periods, where the insolvent entrepreneur acted dishonestly or in bad faith under national law towards creditors or other stakeholders when becoming indebted, during the insolvency proceedings or during the payment of the debt, without prejudice to national rules on burden of proof.
#1780665
De mhaolú ar Airteagail 20 go 22, féadfaidh na Ballstáit forálacha a choinneáil ar bun nó a thabhairt isteach a dhiúltaíonn nó a shrianann rochtain ar urscaoileadh fiachais nó a chúlghaireann leas an urscaoilte nó lena bhforáiltear do thréimhsí níos faide chun urscaoileadh iomlán fiachais a fháil nó tréimhsí dícháilithe níos faide i ndálaí áirithe atá dea-shainithe agus i gcás ina bhfuil údar cuí leis na maoluithe sin, amhail:
By way of derogation from Articles 20 to 22, Member States may maintain or introduce provisions denying or restricting access to discharge of debt, revoking the benefit of discharge or providing for longer periods for obtaining a full discharge of debt or longer disqualification periods in certain well-defined circumstances and where such derogations are duly justified, such as where:
#1780669
i gcás iarratas breise ar urscaoileadh laistigh de thréimhse áirithe tar éis urscaoileadh iomlán fiachais a dheonú don fhiontraí dócmhainneach nó i gcás inar diúltaíodh urscaoileadh fiachais iomlán don fhiontraí mar gheall ar shárú tromchúiseach ar oibleagáidí faisnéise nó comhoibrithe;
there is a further application for a discharge within a certain period after the insolvent entrepreneur was granted a full discharge of debt or was denied a full discharge of debt due to a serious violation of information or cooperation obligations;
#1780675
Féadfaidh na Ballstáit catagóirí sonracha d'fhiachas a eisiamh ó urscaoileadh fiachais, nó rochtain ar urscaoileadh fiachais a shrianadh nó tréimhse urscaoilte níos faide a leagan síos i gcás ina bhfuil údar cuí leis an eisiamh, leis na srianta nó leis na tréimhsí níos faide sin, amhail sna cásanna seo a leanas:
Member States may exclude specific categories of debt from discharge of debt, or restrict access to discharge of debt or lay down a longer discharge period where such exclusions, restrictions or longer periods are duly justified, such as in the case of:
#1780811
Treoir (AE) 2019/1023 ó Pharlaimint na hEorpa agus ón gComhairle an 20 Meitheamh 2019 maidir le creataí um athstruchtúrú coisctheach, maidir le hurscaoileadh fiachais agus maidir le dícháílíochtaí agus maidir le bearta chun éifeachtúlacht nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais a fheabhsú, agus lena leasaítear Treoir (AE) 2017/1132 (an Treoir maidir le hathstruchtúrú agus dócmhainneacht) (IO L172, 26.6.2019, lch. 18).”.
Directive (EU) 2019/1023 of the European Parliament and of the Council of 20 June 2019 on preventive restructuring frameworks, on discharge of debt and disqualifications and on measures to increase the efficiency of procedures concerning restructuring, insolvency and discharge of debt, and amending Directive (EU) 2017/1132 (Directive on restructuring and insolvency) (OJ L 172, 26.6.2019, p. 18).’.
#2430865
Treoir (AE) 2019/1023 ó Pharlaimint na hEorpa agus ón gComhairle an 20 Meitheamh 2019 maidir le creataí um athstruchtúrú coisctheach, maidir le hurscaoileadh fiachais, agus maidir le dícháilíochtaí agus maidir le bearta chun éifeachtúlacht nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais a fheabhsú, agus lena leasaítear Treoir (AE) 2017/1132 (an Treoir maidir le hathstruchtúrú agus dócmhainneacht) (IO L 172, 26.6.2019, lch. 18).
Directive (EU) 2019/1023 of the European Parliament and of the Council of 20 June 2019 on preventive restructuring frameworks, on discharge of debt and disqualifications, and on measures to increase the efficiency of procedures concerning restructuring, insolvency and discharge of debt, and amending Directive (EU) 2017/1132 (Directive on restructuring and insolvency) (OJ L 172, 26.6.2019, p.18).
#1780011
Cuireann na horduithe fada dícháilithe a ghabhann go minic le nós imeachta as a dtiocfaidh urscaoileadh bacainní ar an tsaoirse gabháil i mbun gníomhaíocht fiontraíochta féinfhostaithe agus í a shaothrú.
Long disqualification orders, which often accompany a procedure leading to discharge of debt, create obstacles to the freedom to take up and pursue a self-employed, entrepreneurial activity.
#1780018
Mar thoradh ar na difríochtaí i measc na mBallstát i nósanna imeachta um athstruchtúrú, dócmhainneacht agus urscaoileadh fiachais, bíonn coinníollacha míchothroma ag baint le rochtain ar chreidmheas agus rátaí téarnaimh atá míchothrom sna Ballstáit.
The differences among Member States in procedures concerning restructuring, insolvency and discharge of debt lead to uneven conditions for access to credit and to uneven recovery rates in the Member States.
#1780021
Chomh maith leis sin, ba cheart na costais bhreise a bhíonn ar fhiontraithe a laghdú a eascraíonn as an ngá atá le hathlonnú chuig Ballstát eile chun tairbhe a bhaint as urscaoileadh fiachais.
The additional costs for entrepreneurs stemming from the need to relocate to another Member State in order to benefit from a discharge of debt should also be reduced.
#1780040
Dá bhrí sin, ba cheart laghdú a dhéanamh ar na difríochtaí idir na Ballstáit a chuireann isteach ar luath-athstruchtúrú féichiúnaithe inmharthana a bhfuil deacrachtaí airgeadais acu agus ar an bhféidearthacht a bhaineann le hurscaoileadh fiachais d'fhiontraithe macánta.
Therefore, the differences between Member States which hamper the early restructuring of viable debtors in financial difficulties and the possibility of a discharge of debt for honest entrepreneurs should be reduced.
#1780045
Má éascaítear urscaoileadh fiachais d'fhiontraithe, chuideofaí lena n-eisiamh ón margadh fostaíochta a sheachaint agus cuirtear ar a gcumas gníomhaíochtaí fiontraíochta a atosú, agus ciall cheannaithe acu ón taithí a fuair siad roimhe sin.
Facilitating a discharge of debt for entrepreneurs would help to avoid their exclusion from the labour market and enable them to restart entrepreneurial activities, drawing lessons from past experience.
#1780269
Ba cheart urscaoileadh fiachais a bheith ar fáil i nósanna imeachta ina bhfuil plean aisíocaíochta, réadú na sócmhainní, nó comhcheangal den dá rud.
A discharge of debt should be available in procedures that include a repayment plan, a realisation of assets, or a combination of both.
#1780284
D'fhéadfaí údar a thabhairt freisin i gcás nach gcumhdaíonn an fiontraí costas an nós imeachta as a dtagann urscaoileadh fiachais, lena n-áirítear táillí na n-údarás breithiúnach nó riaracháin agus cleachtóirí dócmhainneachta i réimse an athstruchtúraithe.
A derogation could also be justified where the costs of the procedure leading to a discharge of debt, including the fees of judicial and administrative authorities and of practitioners, are not covered.
#1780303
Ba cheart do na Ballstáit a áirithiú go bhféadfar nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais a dhéanamh ar bhealach éifeachtúil gasta.
Member States should ensure that procedures concerning restructuring, insolvency and discharge of debt can be carried out in an efficient and expeditious manner.
#1780305
Níor cheart é a bheith mar oibleagáid ar na Ballstáit a chur de cheangal go dtabharfaí tosaíocht do nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais thar nósanna imeachta eile.
Member States should not be obliged to require that procedures concerning restructuring, insolvency and discharge of debt be prioritised over other procedures.
#1780331
Tá sé tábhachtach sonraí iontaofa agus inchomparáide a bhailiú maidir le feidhmiú nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais d'fhonn faireachán a dhéanamh ar chur chun feidhme agus ar chur i bhfeidhm na Treorach seo.
It is important to gather reliable and comparable data on the performance of procedures concerning restructuring, insolvency and discharge of debt in order to monitor the implementation and application of this Directive.
#1780646
Áiritheoidh na Ballstáit go mbeidh rochtain ag fiontraithe dócmhainneacha ar nós imeachta amháin ar a laghad ar féidir urscaoileadh fiachais iomlán teacht as i gcomhréir leis an Treoir seo.
Member States shall ensure that insolvent entrepreneurs have access to at least one procedure that can lead to a full discharge of debt in accordance with this Directive.
#1780680
fiachais a tabhaíodh tar éis cur isteach ar an nós imeachta as a dtagann urscaoileadh fiachais nó tar éis é a thionscnamh; agus
debts incurred after the application for or opening of the procedure leading to a discharge of debt; and
#1780681
fiachais a eascraíonn as oibleagáid chun íoc as costas an nós imeachta as a dtagann urscaoileadh fiachais.
debts arising from the obligation to pay the cost of the procedure leading to a discharge of debt.
#1780696
go bhfaighidh comhaltaí na n-údarás breithiúnach agus riaracháin, a bhíonn ag déileáil le nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais, oiliúint iomchuí agus go mbeidh an saineolas riachtanach acu dá gcuid freagrachtaí; agus
members of the judicial and administrative authorities dealing with procedures concerning restructuring, insolvency and discharge of debt receive suitable training and have the necessary expertise for their responsibilities; and
#1780697
go ndéileálfar le nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais ar bhealach éifeachtúil, chun go gcaithfear le nósanna imeachta go gasta.
procedures concerning restructuring, insolvency and discharge of debt are dealt with in an efficient manner, with a view to the expeditious treatment of procedures.
#1780701
go bhfaighidh cleachtóirí a cheapann údarás breithiúnach nó riaracháin i nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais ('cleachtóirí') oiliúint iomchuí agus go mbeidh an saineolas riachtanach acu dá gcuid freagrachtaí;
practitioners appointed by a judicial or administrative authority in procedures concerning restructuring, insolvency and discharge of debt (‘practitioners’) receive suitable training and have the necessary expertise for their responsibilities;
#1780770
Ar bhonn an mheasúnaithe sin, tíolacfaidh an Coimisiún, más iomchuí, togra reachtach, lena measfar bearta breise chun an creat dlí maidir le nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais a chomhdhlúthú agus a chomhchuibhiú.
On the basis of that assessment, the Commission shall submit, if appropriate, a legislative proposal, considering additional measures to consolidate and harmonise the legal framework on restructuring, insolvency and discharge of debt.
#686194
Ní bheidh éifeacht ag aon srian ar chearta creidiúnaithe a eascraíonn as beart dá dtagraítear i mír 1 agus a mholtar in imeachtaí dócmhainneachta tánaisteacha, amhail bac ar íocaíocht nó urscaoileadh fiachais, maidir le sócmhainní de chuid féichiúnaí nach gcumhdaítear leis na himeachtaí sin, gan toiliú na gcreidiúnaithe leasmhara uile.
Any restriction of creditors' rights arising from a measure referred to in paragraph 1 which is proposed in secondary insolvency proceedings, such as a stay of payment or discharge of debt, shall have no effect in respect of assets of a debtor that are not covered by those proceedings, without the consent of all the creditors having an interest.
#1779988
Is é cuspóir na Treorach seo rannchuidiú le feidhmiú ceart an mhargaidh inmheánaigh agus bacainní ar fheidhmiú saoirsí bunúsacha a bhaint, amhail saorghluaiseacht chaipitil agus saoirse bhunaíochta, ar bacainní iad a eascraíonn as difríochtaí idir dlíthe agus nósanna imeachta náisiúnta a bhaineann le hathstruchtúrú coisctheach, dócmhainneacht urscaoileadh fiachais, agus dícháilíochtaí.
The objective of this Directive is to contribute to the proper functioning of the internal market and remove obstacles to the exercise of fundamental freedoms, such as the free movement of capital and freedom of establishment, which result from differences between national laws and procedures concerning preventive restructuring, insolvency, discharge of debt, and disqualifications.
#1780010
Mar thoradh ar chreataí um urscaoileadh fiachais agus dícháilíochtaí atá neamhéifeachtach, bíonn ar fhiontraithe athlonnú i ndlínsí eile chun tairbhiú de thús nua i dtréimhse réasúnta ama, rud a chuireann costais shuntasacha sa bhreis ar a gcuid creidiúnaithe agus ar na fiontraithe féin.
Inefficient discharge of debt and disqualification frameworks result in entrepreneurs having to relocate to other jurisdictions in order to benefit from a fresh start in a reasonable period of time, at considerable additional cost to both their creditors and the entrepreneurs themselves.
#1780012
Toisc thábhachtach a spreagann rátaí ísle téarnaimh agus a stopann infheisteoirí ó ghnó a dhéanamh i ndlínsí ina bhfuil an baol go dtógfaidh nósanna imeachta rófhada agus go mbeidh siad róchostasach is ea an rófhad ama a thógann nósanna imeachta athstruchtúraithe, dócmhainneachta agus urscaoilte i roinnt de na Ballstáit.
The excessive length of procedures concerning restructuring, insolvency and discharge of debt in several Member States is an important factor triggering low recovery rates and deterring investors from carrying out business in jurisdictions where procedures risk taking too long and being unduly costly.
#1780013
Eascraíonn costais bhreise d'infheisteoirí as na difríochtaí idir na Ballstáit maidir le nósanna imeachta a bhaineann le hathstruchtúrú, dócmhainneacht agus urscaoileadh fiachais nuair a bhíonn measúnú á dhéanamh ar an riosca go mbeadh deacrachtaí airgeadais ag féichiúnaithe i gceann amháin nó níos mó de na Ballstáit nó an riosca a bhaineann le hinfheistíocht a dhéanamh i ngnólachtaí inmharthana a bhfuil deacrachtaí airgeadais acu, agus na costais bhreise a bhaineann le hathstruchtúrú a dhéanamh ar fhiontair a bhfuil bunaíocht, creidiúnaithe nó sócmhainní acu i mBallstáit eile.
Differences between Member States in relation to procedures concerning restructuring, insolvency and discharge of debt translate into additional costs for investors when assessing the risk of debtors getting into financial difficulties in one or more Member States, or of investing in viable businesses in financial difficulties, as well as additional costs of restructuring enterprises that have establishments, creditors or assets in other Member States.
#1780019
Dá bhrí sin, tá sé fíor-riachtanach do mhargadh inmheánach dea-fheidhmiúil i gcoitinne agus go háirithe d'fheidhmiú Aontas na Margaí Caipitil, agus d'athléimneacht na ngeilleagar Eorpach, lena n-áirítear caomhnú agus cruthú post, go mbeadh comhchuibhiú níos mó i réimse an athstruchtúrúcháin, na dócmhainneachta agus an urscaoilte fiachais agus dícháilíochtaí.
A higher degree of harmonisation in the field of restructuring, insolvency, discharge of debt and disqualifications is thus indispensable for a well-functioning internal market in general and for a working Capital Markets Union in particular, as well as for the resilience of European economies, including for the preservation and creation of jobs.
#1780020
Ba cheart laghdú a dhéanamh freisin ar an gcostas a bhaineann le measúnú riosca agus le forfheidhmiú trasteorann éileamh chreidiúnaithe fiontraithe a bhfuil rófhéichiúnas acu agus a athlonnaíonn chuig Ballstát eile chun urscaoileadh fiachais a fháil i dtréimhse ama atá i bhfad níos giorra.
The additional cost of risk-assessment and of cross-border enforcement of claims for creditors of over-indebted entrepreneurs who relocate to another Member State in order to obtain a discharge of debt in a much shorter period of time should also be reduced.
#1780032
Is gá, dá bhrí sin, dul thar ábhair a bhaineann le comhoibriú breithiúnach agus íoschaighdeáin shubstainteacha a bhunú maidir le nósanna imeachta um athstruchtúrú coisctheach agus nósanna imeachta as a dtagann urscaoileadh fiachais d'fhiontraithe.
There is therefore a need to go beyond matters of judicial cooperation and to establish substantive minimum standards for preventive restructuring procedures as well as for procedures leading to a discharge of debt for entrepreneurs.
#1780060
Chomh maith leis sin, ba cheart do na Ballstáit a bheith in ann an rochtain ar na creataí um athstruchtúrú coisctheach a theorannú do dhaoine dlítheanacha, ós rud e go bhféadfar deacrachtaí airgeadais na bhfiontraithe a réiteach go héifeachtach ní amháin trí bhíthin nósanna imeachta um athstruchtúrú coisctheach ach trí bhíthin nósanna imeachta as a dtiocfaidh urscaoileadh fiachais nó trí bhíthín athstruchtúrú neamhfhoirmiúil bunaithe ar chomhaontuithe conarthacha.
Member States should also be able to limit the access to preventive restructuring frameworks to legal persons, since the financial difficulties of entrepreneurs may be efficiently addressed not only by means of preventive restructuring procedures but also by means of procedures which lead to a discharge of debt or by means of informal restructurings based on contractual agreements.
#1780066
Ar na cúiseanna sin, cé nach bhfuil rialacha ceangailteacha maidir le rófhéichiúnas tomhaltóirí san áireamh sa Treoir seo, bheadh sé inmholta go ndéanfadh na Ballstáit na forálacha maidir le hurscaoileadh a chur i bhfeidhm ar na tomhaltóirí freisin a luaithe is féidir.
For those reasons, although this Directive does not include binding rules on consumer over-indebtedness, it would be advisable for Member States to apply also to consumers, at the earliest opportunity, the provisions of this Directive concerning discharge of debt.
#1780262
Ba cheart céimeanna a ghlacadh, dá bhrí sin, chun éifeachtaí diúltacha an rófhéichiúnais nó na dócmhainneachta ar fhiontraithe a laghdú, go háirithe trí urscaoileadh iomlán fiachais thar thréimhse áirithe ama a cheadú agus trí fhad orduithe dícháilithe a eisítear i ndáil le rófhéichiúnas nó dócmhainneacht féichiúnaí a theorannú.
Steps should therefore be taken to reduce the negative effects of over-indebtedness or insolvency on entrepreneurs, in particular by allowing for a full discharge of debt after a certain period of time and by limiting the length of disqualification orders issued in connection with a debtor's over-indebtedness or insolvency.
#1780276
I gcás nach mór sócmhainní an fhiontraí a réadú mar thoradh ar rian an nós imeachta a dtiocfaidh urscaoileadh fiachais as, níor cheart cosc a chur ar na Ballstáit foráil a dhéanamh go gcaitear leis an iarraidh ar urscaoileadh ar leithligh ó réadú na sócmhainní, ar choinníoll gur cuid dhílis an iarraidh sin de rian an nós imeachta a dtiocfaidh an t-urscaoileadh as faoin treoir seo.
Where the procedural path leading to a discharge of debt entails the realisation of an entrepreneur's assets, Member States should not be prevented from providing that the request for discharge is treated separately from the realisation of assets, provided that such request constitutes an integral part of the procedural path leading to the discharge under this Directive.
#1780278
Ní cuí i ngach imthosca urscaoileadh iomlán fiachais nó deireadh a chur le dícháilithe tar éis tréimhse nach faide ná 3 bliana, dá bhrí sin d'fhéadfadh sé gur ghá maoluithe ón riail sin a bhfuil údar cuí leo ar bhonn cúiseanna arna leagan síos sa dlí náisiúnta a thabhairt isteach.
A full discharge of debt or the ending of disqualifications after a period no longer than three years is not appropriate in all circumstances, therefore derogations from this rule which are duly justified by reasons laid down in national law might need to be introduced.
#1780290
Ba cheart do na Ballstáit a bheith in ann a chinneadh freisin gur ceadmhach do na húdaráis bhreithiúnacha nó riaracháin, ar bhonn ex officio nó arna iarraidh sin ag duine a bhfuil leas dlisteanach aige nó aici sa scéal, a fhíorú cé acu atá nó nach bhfuil na coinníollacha i dtaca le hurscaoileadh iomlán fiachais a fháil comhlíonta ag na fiontraithe.
Member States should be able to provide that judicial or administrative authorities can verify, either ex officio or at the request of a person with a legitimate interest, whether entrepreneurs have fulfilled the conditions for obtaining a full discharge of debt.