{"id":5281,"date":"2021-02-23T03:33:04","date_gmt":"2021-02-23T03:33:04","guid":{"rendered":"https:\/\/www.londa-aps.it\/?page_id=5281"},"modified":"2025-09-29T10:30:49","modified_gmt":"2025-09-29T08:30:49","slug":"home","status":"publish","type":"page","link":"https:\/\/www.londa-aps.it\/?page_id=5281","title":{"rendered":"HOME SOVRAINDEBITAMENTO"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5281\" class=\"elementor elementor-5281\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5137203 elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5137203\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-afba13a\" data-id=\"afba13a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3bdb717 elementor-absolute elementor-hidden-mobile elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-image\" data-id=\"3bdb717\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"393\" height=\"751\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2021\/11\/shape.png11.png\" class=\"attachment-full size-full wp-image-181\" alt=\"\" srcset=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2021\/11\/shape.png11.png 393w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2021\/11\/shape.png11-157x300.png 157w\" sizes=\"(max-width: 393px) 100vw, 393px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-762c4da2 elementor-section-stretched elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"762c4da2\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-263d4500\" data-id=\"263d4500\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-34747553 elementor-section-full_width elementor-section-content-top elementor-reverse-mobile elementor-section-height-default elementor-section-height-default\" data-id=\"34747553\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7fa2bf8f\" data-id=\"7fa2bf8f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1dbbc55a animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1dbbc55a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Non Avere Paura Dei Debiti. \nTi Aiutiamo NOI!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-159503e elementor-widget elementor-widget-button\" data-id=\"159503e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTATTACI!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3089257\" data-id=\"3089257\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-320a885b elementor-widget elementor-widget-image\" data-id=\"320a885b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"803\" height=\"592\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/500100122_univ_lsr_xl.jpeg\" class=\"attachment-2048x2048 size-2048x2048 wp-image-5369\" alt=\"\" srcset=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/500100122_univ_lsr_xl.jpeg 803w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/500100122_univ_lsr_xl-300x221.jpeg 300w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/500100122_univ_lsr_xl-768x566.jpeg 768w\" sizes=\"(max-width: 803px) 100vw, 803px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-029bb5f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"029bb5f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5a52afd\" data-id=\"5a52afd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e9fe99 elementor-widget__width-auto elementor-absolute elementor-hidden-mobile elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"3e9fe99\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"239\" height=\"391\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2021\/11\/Intersection-1.jpg\" class=\"attachment-large size-large wp-image-257\" alt=\"\" srcset=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2021\/11\/Intersection-1.jpg 239w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2021\/11\/Intersection-1-183x300.jpg 183w\" sizes=\"(max-width: 239px) 100vw, 239px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2b667d5c elementor-section-full_width elementor-section-content-middle elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"2b667d5c\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-403898c6 elementor-invisible\" data-id=\"403898c6\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1533436f elementor-widget elementor-widget-image\" data-id=\"1533436f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/depositphotos_92684966-stock-photo-despair-female-with-weight-phobia.jpeg\" class=\"attachment-full size-full wp-image-5382\" alt=\"\" srcset=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/depositphotos_92684966-stock-photo-despair-female-with-weight-phobia.jpeg 600w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/depositphotos_92684966-stock-photo-despair-female-with-weight-phobia-300x200.jpeg 300w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/depositphotos_92684966-stock-photo-despair-female-with-weight-phobia-370x247.jpeg 370w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/depositphotos_92684966-stock-photo-despair-female-with-weight-phobia-270x180.jpeg 270w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/depositphotos_92684966-stock-photo-despair-female-with-weight-phobia-360x240.jpeg 360w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a149606 elementor-widget elementor-widget-spacer\" data-id=\"a149606\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92107b1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"92107b1\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">O.C.C. L'ONDA ASP. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-dot-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Organismo per la composizione della crisi da sovraindebitamento e per la liquidazione del patrimonio iscritto dal 15\/10\/2021 al n. 238 della sez. A  del Registro presso il Ministero della Giustizia<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6b59da97\" data-id=\"6b59da97\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-140bf12 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"140bf12\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-63285ff\" data-id=\"63285ff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17b4218 elementor-widget elementor-widget-heading\" data-id=\"17b4218\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Uscire dal sovraindebitamento: cosa si pu\u00f2 fare grazie alla Legge<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9f3c67 elementor-widget elementor-widget-text-editor\" data-id=\"b9f3c67\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La\u00a0<strong>Legge n.3\/2012<\/strong>\u00a0offre a consumatori, imprese e tutti i soggetti sovraindebitati (esclusi dalle procedure fallimentari) di ricorrere al\u00a0il\u00a0<strong>procedimento di esdebitazione<\/strong>\u00a0per sanare la propria condizione. L\u2019iniziativa \u00e8 cruciale anche perch\u00e9, oltre a risolvere il problema dei debiti, consente agli interessati di ripartire da zero e operare nel mercato e nella societ\u00e0 come soggetto economicamente sano.<\/p><p>Possono accedere alla procedura piccoli imprenditori commerciali, imprenditori agricoli, eredi dell\u2019imprenditore, startup, ma anche consumatori e professionisti.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e50524c elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"e50524c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">scopri di pi\u00f9<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-57efde4\" data-id=\"57efde4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72e5af7 animated-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"72e5af7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;animation&quot;:&quot;zoomIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9691592\" data-id=\"9691592\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe9edc7 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"fe9edc7\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-user-graduate\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProcedura di sovraindebitamento: cos\u2019\u00e8\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUna procedura di sovraindebitamento \u00e8 una procedura legale (in pratica una\ndomanda che viene presentata al Giudice competente) che permette a un\ndebitore in difficolt\u00e0 di uscire dai debiti attraverso un piano di pagamenti\nsostenibile per la situazione attuale del debitore.&nbsp;debitore.&nbsp;E\u2019 riservato ai soggetti\nsovraindebitati: viene considerato \u201csovraindebitato\u201d colui che per motivazioni di\nqualsiasi natura non riesce a far fronte ai debiti e non dispone di \u201cpatrimonio\nprontamente liquidabile\u201d per onorare il debito scaduto. E\u2019 sovraindebitato anche il\nsoggetto che non sar\u00e0 in grado di pagare in breve termine, anche se ancora non\ninsolvente. Ad esempio, un dipendente che avesse sempre pagato la rata del mutuo,\nse licenziato, potr\u00e0 accedere alle procedure di sovraindebitamento se non ha risorse\nper pagare le rate dei mesi successivi. <br><br>\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e3b4b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e3b4b9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-91053fc\" data-id=\"91053fc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6aa51e9 animated-slow elementor-invisible elementor-widget elementor-widget-testimonial\" data-id=\"6aa51e9\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;rubberBand&quot;}\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\">E\u2019 una procedura  riservata ai soggetti\nsovraindebitati: \nviene considerato \u201csovraindebitato\u201d colui che per motivazioni di\nqualsiasi natura non riesce a far fronte ai debiti e non dispone di \u201cpatrimonio\nprontamente liquidabile\u201d per onorare il debito scaduto. E\u2019 sovraindebitato anche il\nsoggetto che non sar\u00e0 in grado di pagare in breve termine, anche se ancora non\ninsolvente. Ad esempio, un dipendente che avesse sempre pagato la rata del mutuo,\nse licenziato, potr\u00e0 accedere alle procedure di sovraindebitamento se non ha risorse\nper pagare le rate dei mesi successivi.<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta elementor-has-image elementor-testimonial-image-position-aside\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-image\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2024\/05\/logo_londa-removebg-preview-300x186-transformed-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-5671\" alt=\"logo londa salerno\" srcset=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2024\/05\/logo_londa-removebg-preview-300x186-transformed-150x150.png 150w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2024\/05\/logo_londa-removebg-preview-300x186-transformed-355x355.png 355w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2024\/05\/logo_londa-removebg-preview-300x186-transformed-370x370.png 370w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2024\/05\/logo_londa-removebg-preview-300x186-transformed-170x170.png 170w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2024\/05\/logo_londa-removebg-preview-300x186-transformed-300x300.png 300w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">O.C.C. L'ONDA<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">salerno<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff6cb6d elementor-widget elementor-widget-heading\" data-id=\"ff6cb6d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">UN ESEMPIO CONCRETO<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55a812d elementor-widget elementor-widget-meafe-advanced-testimonial\" data-id=\"55a812d\" data-element_type=\"widget\" data-settings=\"{&quot;adv_testimonial_autoplay_speed&quot;:6000,&quot;adv_testimonial_layouts&quot;:&quot;1&quot;,&quot;adv_testimonial_show_swiper_dots&quot;:&quot;yes&quot;,&quot;adv_testimonial_swiper_auto&quot;:&quot;yes&quot;}\" data-widget_type=\"meafe-advanced-testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div id=\"55a812d\" class=\"meafe-adv-testimonial-main layout-1 content-align-left\">\n            <div class=\"meafe-testimonial-inner-wrap\">\n                <div class=\"swiper\">\n                    <div class=\"swiper-wrapper\">\n                                                    <div class=\"meafe-testimonial-wrap swiper-slide\">\n                                <div class=\"meafe-testimonial-desc-wrap\">\n                                                                            <div class=\"meafe-testimonial-title\">\n                                            <h2 class=\"meafe-entry-title\"> SI CONSIDERI UNA COPPIA DI LAVORATORI DIPENDENTI <\/h2>\n                                        <\/div>\n                                                                                                                <div class=\"meafe-testimonial-content\">\n                                            <p>che guadagnano <strong>3.000 euro al mese<\/strong>, e grazie a questo reddito <strong>hanno debiti con le banche<\/strong><br \/><strong>per una rata mensile di euro 1.300<\/strong>. Hanno inoltre un figlio a carico.<\/p><p>Supponiamo che uno dei due perda il lavoro e il <strong>reddito famigliare si riduca a 2.000 euro mensili<\/strong>: sar\u00e0<br \/>impossibile con un reddito cos\u00ec ridotto pagare 1.300 euro di rate.<\/p><p>in questo caso, sar\u00e0 possibile presentare<strong> un piano del consumatore<\/strong>, dove le rate delle<br \/>finanziarie <strong>vengono sostituite da un\u2019unica rata calcolata in modo da lasciare un<\/strong><br \/><strong>minimo vitale per vivere dignitosamente<\/strong>, che per una famiglia di 3 persone si aggira<br \/>intorno a 1.700 euro. Pertanto la coppia verser\u00e0 300 euro per la durata del piano (di<br \/>norma 5 anni) e <strong>poi sar\u00e0 libera da ogni debito residuo.<\/strong> pertanto se i debiti erano pari<br \/>a 90.000 euro, versando 300 euro per 60 rate (18.000 euro!) verranno chiusi tutti i<br \/>debiti.<\/p>                                        <\/div>\n                                                                    <\/div>\n                                <div class=\"meafe-testimonial-tst-inner-wrap\">\n                                                                            <div class=\"meafe-testimonial-reviewer-thumb\">\n                                            <img decoding=\"async\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2024\/05\/logo_londa-removebg-preview-300x186-transformed-1.png\" title=\"logo_londa-removebg-preview-300&#215;186-transformed\" alt=\"l&#039;onda aps salerno\" loading=\"lazy\" \/>                                        <\/div>\n                                                                        <div class=\"meafe-adv-testimonial-name-wrap\">\n                                                                                    <div class=\"meafe-testimonial-reviewer-name\">O.C.C. L&#039;ONDA SALERNO<\/div>\n                                                                                                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n            \n                                    <!-- If we need pagination -->\n                    <div class=\"adv-testimonial meafa-swiper-pagination\"><\/div>\n                            <\/div>\n        <\/div>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4837249 elementor-button-danger animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"4837249\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;bounceIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-comment-dots\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fai clic qui per leggere altri esempi <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-61f4dd4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"61f4dd4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd41010\" data-id=\"fd41010\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e077fc animated-fast elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"9e077fc\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La norma prevedeva originariamente <strong>tre distinte procedure di sovraindebitamento<\/strong> molto diverse tra loro, a cui con l\u2019avvento del codice della crisi si \u00e8 aggiunta <em><strong>una quarta possibilit\u00e0 del tutto nuova<\/strong><\/em>, sotto forma di semplice domanda. Tutte sono finalizzate all\u2019esdebitazione del debitore che ha contratto troppi debiti rispetto alle proprie possibilit\u00e0 attuali:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-84c5503 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"84c5503\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-550a28b\" data-id=\"550a28b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-25c6be6\" data-id=\"25c6be6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-368928d elementor-widget__width-initial animated-fast elementor-invisible elementor-widget elementor-widget-meafe-timeline\" data-id=\"368928d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;btccgs_timeline_layouts&quot;:&quot;1&quot;}\" data-widget_type=\"meafe-timeline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div id=\"368928d\" class=\"meafe-timeline-main layout-1 center-aligned-content\">\n            <div class=\"meafe-timeline-wrap\">\n                                        <div class=\"meafe-timeline-inner-wrap \">\n                                                            <div class=\"meafe-timeline-image-wrap\">\n                                                                    <\/div>\n                                                        <div class=\"meafe-timeline-icon\">\n                                <div class=\"meafe-timeline-icon-inner\">\n                                    <i class=\"fa fa-caret-left\"><\/i>                                <\/div>\n                            <\/div>\n                            <div class=\"meafe-timeline-meta-wrap\">\n                                                                        <div class=\"meafe-timeline-date\">\n                                            <h3>\n                                                1                                            <\/h3>\n                                        <\/div>\n                                                                            <div class=\"meafe-timeline-title\">\n                                            <h2>\n                                                Procedura di ristrutturazione dei debiti del consumatore                                            <\/h2>\n                                        <\/div>\n                                                                            <div class=\"meafe-timeline-content\">\n                                            consumatore,\u00a0anche conosciuta come\n\u201cPiano del Consumatore\u201d: che pu\u00f2 essere utilizzata solo dalle persone fisiche e non\ngli altri soggetti (aziende, ecc). Viene proposto ai creditori un piano di pagamenti\nsostenibile rispetto ai redditi del debitore. Il piano viene approvato dal Giudice, e\nsostituisce ogni altra pattuizione.                                        <\/div>\n                                                                <\/div>\n                        <\/div>\n                                            <div class=\"meafe-timeline-inner-wrap \">\n                                                            <div class=\"meafe-timeline-image-wrap\">\n                                                                    <\/div>\n                                                        <div class=\"meafe-timeline-icon\">\n                                <div class=\"meafe-timeline-icon-inner\">\n                                    <i class=\"fa fa-caret-right\"><\/i>                                <\/div>\n                            <\/div>\n                            <div class=\"meafe-timeline-meta-wrap\">\n                                                                        <div class=\"meafe-timeline-date\">\n                                            <h3>\n                                                2                                            <\/h3>\n                                        <\/div>\n                                                                            <div class=\"meafe-timeline-title\">\n                                            <h2>\n                                                Concordato minore\u00a0                                            <\/h2>\n                                        <\/div>\n                                                                            <div class=\"meafe-timeline-content\">\n                                            (ex Accordo di composizione della crisi): \u00e8 sempre un piano di\npagamenti, ma riservato alle imprese e professionisti. Semplificando, si propone ai\ncreditori un piano sostenibile che diventer\u00e0 effettivo se votato dagli stessi creditori\nper almeno il 50%. In questo caso \u00e8 permessa la continuit\u00e0 dell\u2019impresa, e possibile\nla salvaguardia dei beni.                                        <\/div>\n                                                                <\/div>\n                        <\/div>\n                                            <div class=\"meafe-timeline-inner-wrap \">\n                                                            <div class=\"meafe-timeline-image-wrap\">\n                                                                    <\/div>\n                                                        <div class=\"meafe-timeline-icon\">\n                                <div class=\"meafe-timeline-icon-inner\">\n                                    <i class=\"fa fa-caret-left\"><\/i>                                <\/div>\n                            <\/div>\n                            <div class=\"meafe-timeline-meta-wrap\">\n                                                                        <div class=\"meafe-timeline-date\">\n                                            <h3>\n                                                3                                            <\/h3>\n                                        <\/div>\n                                                                            <div class=\"meafe-timeline-title\">\n                                            <h2>\n                                                Liquidazione controllata del sovraindebitato, o liquidazione del patrimonio:                                            <\/h2>\n                                        <\/div>\n                                                                            <div class=\"meafe-timeline-content\">\n                                            nelle situazioni pi\u00f9 difficili \u00e8 possibile chiedere al Tribunale che i debiti vengano\npagati con la Liquidazione del proprio patrimonio. Qual \u00e8 il vantaggio? Anche se la\nvendita dei beni non copre tutti i debiti,\u00a0il residuo debito non pagato viene\ncancellato\u00a0e si pu\u00f2 ripartire puliti da ogni obbligo verso i creditori.                                        <\/div>\n                                                                <\/div>\n                        <\/div>\n                                            <div class=\"meafe-timeline-inner-wrap \">\n                                                            <div class=\"meafe-timeline-image-wrap\">\n                                                                    <\/div>\n                                                        <div class=\"meafe-timeline-icon\">\n                                <div class=\"meafe-timeline-icon-inner\">\n                                    <i class=\"fa fa-caret-left\"><\/i>                                <\/div>\n                            <\/div>\n                            <div class=\"meafe-timeline-meta-wrap\">\n                                                                        <div class=\"meafe-timeline-date\">\n                                            <h3>\n                                                4                                            <\/h3>\n                                        <\/div>\n                                                                            <div class=\"meafe-timeline-title\">\n                                            <h2>\n                                                Esdebitazione del debitore incapiente.                                            <\/h2>\n                                        <\/div>\n                                                                            <div class=\"meafe-timeline-content\">\n                                            Nel caso particolare di un\u00a0debitore senza\npatrimonio e senza redditi stabili, \u00e8 possibile accedere, in questo caso una volta\nsola nella vita, comunque alla cancellazione di tutti i debiti senza versare nulla. In\nquesto specifico caso sar\u00e0 per\u00f2 necessario dimostrare di essere stati \u201cmeritevoli\u201d\novvero che non si \u00e8 creata volontariamente questa situazione e che si \u00e8 sempre\ncercato di saldare i debiti senza \u201cscappatoie\u201d.                                        <\/div>\n                                                                <\/div>\n                        <\/div>\n                                <\/div>\n        <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0cc8871 elementor-section-full_width elementor-section-content-middle elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"0cc8871\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-968bdb1 elementor-invisible\" data-id=\"968bdb1\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2360a5 elementor-widget elementor-widget-image\" data-id=\"b2360a5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/depositphotos_92684966-stock-photo-despair-female-with-weight-phobia.jpeg\" class=\"attachment-full size-full wp-image-5382\" alt=\"\" srcset=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/depositphotos_92684966-stock-photo-despair-female-with-weight-phobia.jpeg 600w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/depositphotos_92684966-stock-photo-despair-female-with-weight-phobia-300x200.jpeg 300w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/depositphotos_92684966-stock-photo-despair-female-with-weight-phobia-370x247.jpeg 370w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/depositphotos_92684966-stock-photo-despair-female-with-weight-phobia-270x180.jpeg 270w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/depositphotos_92684966-stock-photo-despair-female-with-weight-phobia-360x240.jpeg 360w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d92799f elementor-widget elementor-widget-spacer\" data-id=\"d92799f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-995191e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"995191e\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">O.C.C. L'ONDA ASP. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-dot-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Organismo per la composizione della crisi da sovraindebitamento e per la liquidazione del patrimonio iscritto dal 15\/10\/2021 al n. 238 della sez. A  del Registro presso il Ministero della Giustizia<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-989e77b\" data-id=\"989e77b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8160250 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8160250\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-92689d1\" data-id=\"92689d1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7505cab elementor-widget elementor-widget-heading\" data-id=\"7505cab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">I principali presupposti per l\u2019accesso alle procedure di sovraindebitamento\nprevedono\u00a0che il debitore sia in stato di sovraindebitamento, che sia un soggetto\nnon fallibile, che non abbia posto in essere atti di frode verso i creditori (ovvero non\nabbia volutamente sottratto beni o denaro, occultandolo ai creditori).<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1caf83a elementor-widget elementor-widget-text-editor\" data-id=\"1caf83a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La\u00a0<strong>Legge n.3\/2012<\/strong>\u00a0offre a consumatori, imprese e tutti i soggetti sovraindebitati (esclusi dalle procedure fallimentari) di ricorrere al\u00a0il\u00a0<strong>procedimento di esdebitazione<\/strong>\u00a0per sanare la propria condizione. L\u2019iniziativa \u00e8 cruciale anche perch\u00e9, oltre a risolvere il problema dei debiti, consente agli interessati di ripartire da zero e operare nel mercato e nella societ\u00e0 come soggetto economicamente sano.<\/p><p>Possono accedere alla procedura piccoli imprenditori commerciali, imprenditori agricoli, eredi dell\u2019imprenditore, startup, ma anche consumatori e professionisti.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de46936 elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"de46936\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">scopri di pi\u00f9<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-fd7fce7\" data-id=\"fd7fce7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-33e9478b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"33e9478b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-362c5d73\" data-id=\"362c5d73\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b5f5bd4 elementor-widget elementor-widget-heading\" data-id=\"4b5f5bd4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">OUR SERVICES<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6efd3d56 elementor-widget elementor-widget-heading\" data-id=\"6efd3d56\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sovraindebitamento: la guida per il debitore aggiornata al 2022<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a2bf547 elementor-widget elementor-widget-text-editor\" data-id=\"5a2bf547\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Viene considerato \u201csovraindebitato\u201d colui che per motivazioni di qualsiasi natura non riesce a far fronte ai debiti e non dispone di \u201cpatrimonio prontamente liquidabile\u201d per onorare il debito scaduto<\/strong>. E\u2019 sovraindebitato anche il soggetto che non sar\u00e0 in grado di pagare in breve termine, anche se ancora non insolvente. Ad esempio, un dipendente che avesse sempre pagato la rata del mutuo, se licenziato, potr\u00e0 accedere alle procedure di sovraindebitamento se non ha risorse per pagare le rate future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e37e09b elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"e37e09b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View All Services<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60d0100 elementor-absolute elementor-hidden-mobile elementor-invisible elementor-widget elementor-widget-image\" data-id=\"60d0100\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"488\" height=\"701\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2021\/11\/Ellipse-3.png\" class=\"attachment-full size-full wp-image-554\" alt=\"\" srcset=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2021\/11\/Ellipse-3.png 488w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2021\/11\/Ellipse-3-209x300.png 209w\" sizes=\"(max-width: 488px) 100vw, 488px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-15ad4fe4\" data-id=\"15ad4fe4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-11d87b5f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"11d87b5f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1a5d2a2d elementor-invisible\" data-id=\"1a5d2a2d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b6bb1cb elementor-widget elementor-widget-image\" data-id=\"5b6bb1cb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"610\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/IMG_20200822_170918-1-1.jpeg\" class=\"attachment-full size-full wp-image-5387\" alt=\"\" srcset=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/IMG_20200822_170918-1-1.jpeg 1200w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/IMG_20200822_170918-1-1-300x153.jpeg 300w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/IMG_20200822_170918-1-1-1024x521.jpeg 1024w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/IMG_20200822_170918-1-1-768x390.jpeg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a4b055e elementor-widget elementor-widget-heading\" data-id=\"2a4b055e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">ITER PROCEDURALE<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-679b6c42 elementor-widget elementor-widget-text-editor\" data-id=\"679b6c42\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Per prima cosa serve sapere che queste procedure sono riservate ai soggetti non fallibili, ovvero a queste categorie di debitori:<\/p><ul><li><strong>Consumatori<\/strong>, ovvero persone fisiche senza partiva IVA (dipendenti pensionati e inoccupati, ecc)<\/li><li><strong>Piccole imprese non fallibili<\/strong>, ovvero con un fatturato inferiore a 200.000 euro annui, patrimonio inferiore a 300.000 euro e debiti inferiori a 500.000 euro<\/li><li>Aziende agricole di tutte le dimensioni<\/li><li>Professionisti iscritti ad albi e ruoli<\/li><li>Start up innovative<\/li><li>Enti no profit (onlus, associazioni, ecc)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2ef03f74\" data-id=\"2ef03f74\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fec0f51 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fec0f51\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4d6b696f elementor-invisible\" data-id=\"4d6b696f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c49f16b elementor-widget elementor-widget-image\" data-id=\"3c49f16b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"2560\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/IMG_20200822_171748-scaled.jpg\" class=\"attachment-full size-full wp-image-5393\" alt=\"\" srcset=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/IMG_20200822_171748-scaled.jpg 1920w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/IMG_20200822_171748-225x300.jpg 225w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/IMG_20200822_171748-768x1024.jpg 768w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/IMG_20200822_171748-1152x1536.jpg 1152w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/IMG_20200822_171748-1536x2048.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a24569 elementor-widget elementor-widget-heading\" data-id=\"4a24569\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">CONTATTARE L'O.C.C L'ONDA APS<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6df4a64 elementor-widget elementor-widget-text-editor\" data-id=\"6df4a64\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>sar\u00e0 necessario:<\/p><ul><li>raccogliere la documentazione necessaria\u00a0 in merito alla tua situazione economica e patrimoniale<\/li><li><p><strong>L\u2019aggiornamento Legge 3\/2012\u00a0<\/strong>prevede diverse procedure alle quali \u00e8 possibile accedere per la ristrutturazione del debito. Nel dettaglio \u00e8 possibile per il debitore richiedere:<\/p><ul><li><strong>Il piano del consumatore:<\/strong>\u00a0pensato esclusivamente per i soggetti privati e accessibile dopo una verifica della situazione da parte del Tribunale.<\/li><li><strong>Accordo con i creditori:<\/strong>\u00a0impiegato dalle imprese e prevede un specifico concordato tra le parti.<\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1d7c8623 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d7c8623\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3d317fd6 elementor-invisible\" data-id=\"3d317fd6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32384e44 elementor-widget elementor-widget-image\" data-id=\"32384e44\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"394\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/news120946.jpg\" class=\"attachment-full size-full wp-image-5395\" alt=\"\" srcset=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/news120946.jpg 700w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/news120946-300x169.jpg 300w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/news120946-570x320.jpg 570w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5872f5a6 elementor-widget elementor-widget-heading\" data-id=\"5872f5a6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">PRESENTAZIONE DEL PIANO AL TRIBUNALE<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70823ff7 elementor-widget elementor-widget-text-editor\" data-id=\"70823ff7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Ottenuta la relazione da parte dell\u2019OCC<\/strong>\u00a0(passaggio che di norma richiede da qualche settimana a qualche mese, a seconda della complessit\u00e0 del caso) si pu\u00f2 procedere a<strong>l deposito della procedura presso il Tribunale di residenza.<\/strong><\/li><li>A questo punto serve\u00a0<strong>l\u2019approvazione del Giudice.<\/strong><\/li><li><strong>Attuazione del piano.<\/strong> L\u2019ultima fase \u00e8 quella di dare attuazione a quanto scritto nel piano approvato.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4c1a9b21\" data-id=\"4c1a9b21\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3e01ab60 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e01ab60\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-72b8d101 elementor-invisible\" data-id=\"72b8d101\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3002fc6b elementor-widget elementor-widget-image\" data-id=\"3002fc6b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"300\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/86087729-le-persone-felici-si-stringono-la-mano-sulla-via-della-citta.webp\" class=\"attachment-full size-full wp-image-5396\" alt=\"\" srcset=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/86087729-le-persone-felici-si-stringono-la-mano-sulla-via-della-citta.webp 450w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/86087729-le-persone-felici-si-stringono-la-mano-sulla-via-della-citta-300x200.webp 300w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/86087729-le-persone-felici-si-stringono-la-mano-sulla-via-della-citta-370x247.webp 370w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/86087729-le-persone-felici-si-stringono-la-mano-sulla-via-della-citta-270x180.webp 270w, https:\/\/www.londa-aps.it\/wp-content\/uploads\/2022\/11\/86087729-le-persone-felici-si-stringono-la-mano-sulla-via-della-citta-360x240.webp 360w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-607268c3 elementor-widget elementor-widget-heading\" data-id=\"607268c3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Esdebitazione e riabilitazione<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4a4176 elementor-widget elementor-widget-text-editor\" data-id=\"a4a4176\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A piano completamente attuato\u00a0 la procedura termina con l\u2019esdebitazione ovvero la cancellazione dei debiti non pagati, che \u00e8 il vero obiettivo di ogni debitore che avvia una procedura di sovraindebitamento<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4e7a0410 elementor-section-full_width elementor-section-stretched elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"4e7a0410\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c4eb4c5\" data-id=\"c4eb4c5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-001051c elementor-widget__width-auto elementor-widget elementor-widget-meafe-cf7\" data-id=\"001051c\" data-element_type=\"widget\" data-widget_type=\"meafe-cf7.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f4151-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"4151\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/index.php?rest_route=%2Fwp%2Fv2%2Fpages%2F5281#wpcf7-f4151-o1\" method=\"post\" class=\"wpcf7-form init meafe-cf7-form\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"4151\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.4\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f4151-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Nome\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Nome e Cognome\" value=\"\" type=\"text\" name=\"Nome\" \/><\/span>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Your-Email-Address\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"Your-Email-Address\" \/><\/span>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Your-Phone-Number\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-required wpcf7-validates-as-number\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"numero di telefono\" value=\"\" type=\"number\" name=\"Your-Phone-Number\" \/><\/span>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"SelectService\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"SelectService\"><option value=\"Select Service\">Select Service<\/option><option value=\"APPUNTAMENTO\">APPUNTAMENTO<\/option><option value=\"RICHIESTA INFO\">RICHIESTA INFO<\/option><option value=\"PRENOTA\">PRENOTA<\/option><option value=\"APPUNTAMENTO ONLINE\">APPUNTAMENTO ONLINE<\/option><\/select><\/span>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Additional-Information\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"INSERISCI LA TUA RICHIESTA\" name=\"Additional-Information\"><\/textarea><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"INVIA\" \/>\n<\/p><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"220\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1742f58b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1742f58b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d75adc0\" data-id=\"1d75adc0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-05a9b7f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"05a9b7f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-048d05d\" data-id=\"048d05d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee8aa09 elementor-widget__width-auto elementor-absolute elementor-hidden-mobile elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"ee8aa09\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"15\" height=\"15\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2021\/02\/tick-3.svg\" class=\"attachment-large size-large wp-image-1006\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a812c1c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4a812c1c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-78533cfe\" data-id=\"78533cfe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f519dec elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f519dec\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2a9020e\" data-id=\"2a9020e\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bc4843a elementor-widget elementor-widget-meafe-testimonial-carousel\" data-id=\"bc4843a\" data-element_type=\"widget\" data-settings=\"{&quot;btccgs_testimonial_carousel_layouts&quot;:&quot;3&quot;,&quot;btccgs_testimonial_carousel_show_carousel_loop&quot;:&quot;yes&quot;,&quot;btccgs_testimonial_carousel_show_carousel_nav&quot;:&quot;yes&quot;,&quot;btccgs_testimonial_carousel_arrow_prev_icon&quot;:{&quot;value&quot;:&quot;fas fa-chevron-left&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;btccgs_testimonial_carousel_arrow_next_icon&quot;:{&quot;value&quot;:&quot;fas fa-chevron-right&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;btccgs_testimonial_carousel_show_carousel_auto&quot;:&quot;yes&quot;,&quot;btccgs_testimonial_carousel_carousel_autoplay_speed&quot;:3000}\" data-widget_type=\"meafe-testimonial-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div id=\"bc4843a\" class=\"meafe-testimonial-carousel-main layout-3 center-aligned-content\">\n            <div class=\"meafe-testimonial-inner-wrap\">\n                <div class=\"swiper\">\n                    <div class=\"swiper-wrapper\">\n                                                    <div class=\"meafe-testimonial-wrap swiper-slide\">\n                                                                    <div class=\"meafe-testimonial-tst-inner-wrap\">\n                                        <div class=\"meafe-testimonial-reviewer-thumb\">\n                                            <img loading=\"lazy\" decoding=\"async\" width=\"272\" height=\"316\" src=\"https:\/\/www.londa-aps.it\/wp-content\/uploads\/2023\/10\/ministero-giustizia-concorsi-dap-203-assistenti-272x316.jpeg\" class=\"attachment-meafe-testimonial-two size-meafe-testimonial-two\" alt=\"\" \/>                                        <\/div>\n                                                                <div class=\"meafe-testimonial-desc-wrap\">\n                                    <div class=\"meafe-testimonial-desc-inner\">\n                                                                                                                                                                                                        \n                                                                                                                            <div class=\"meafe-testimonial-title\">\n                                                <h2 class=\"meafe-entry-title\"> Legge n. 3 del 27 gennaio 2012 <\/h2>\n                                            <\/div>\n                                        \n                                                                                    <div class=\"meafe-testimonial-content\">\n                                                <p><a href=\"https:\/\/www.portalesovraindebitamento.it\/pdf\/NORMATIVA_L_3_2012_AGGIORNATA.pdf\">Legge n. 3 del 27 gennaio 2012<\/a><\/p>                                            <\/div>\n                                                                                                                                <div class=\"meafe-testimonial-designation-wrap\">\n                        <div class=\"meafe-testimonial-design-only-wrap\">\n                                    <div class=\"meafe-testimonial-reviewer-name\">Legge n. 3 del 27 gennaio 2012<\/div>\n                                                    <div class=\"meafe-testimonial-reviewer-title\">Legge n. 3 del 27 gennaio 2012<\/div>\n                                            <\/div>\n        <\/div>\n                                            <\/div>\n                                <\/div>\n                                <\/div>                            <\/div>\n                                            <\/div>\n                <\/div>\n            \n                                    <!-- If we need navigation buttons -->\n                    <div class=\"meafa-navigation-wrap\">\n                        <div class=\"testimonial meafa-navigation-prev nav\">\n                            <i class=\"fas fa-chevron-left\" aria-hidden=\"true\"><\/i>                        <\/div>\n                        <div class=\"testimonial meafa-navigation-next nav\">\n                            <i class=\"fas fa-chevron-right\" aria-hidden=\"true\"><\/i>                        <\/div>\n                    <\/div>\n                            <\/div>\n        <\/div>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Non Avere Paura Dei Debiti. Ti Aiutiamo NOI! CONTATTACI! O.C.C. L&#8217;ONDA ASP. Organismo per la composizione della crisi da sovraindebitamento e per la liquidazione del patrimonio iscritto dal 15\/10\/2021 al n. 238 della sez. A del Registro presso il Ministero della Giustizia Uscire dal sovraindebitamento: cosa si pu\u00f2 fare grazie alla Legge La\u00a0Legge n.3\/2012\u00a0offre a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":5641,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-5281","page","type-page","status-publish","hentry","rishi-post","no-post-thumbnail"],"rishi__cb_customizer_meta":"","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HOME SOVRAINDEBITAMENTO - O.C.C. 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