TFL Vsebine / Revija SIR*IUS

The position of the creditor in the event of the debtor's insolvency

V prispevku se analizirajo položaj in pravice upnika glede na različne scenarije, v katerih se lahko znajde v razmerju do dolžnika. Razmerje med upnikom in dolžnikom je mogoče razdeliti v tri faze, in sicer v fazo pred nastopom insolventnosti, fazo po nastopu insolventnosti, a pred začetkom postopkov zaradi insolventnosti, in tretjo fazo, ko se dolžnik že znajde v postopku zaradi insolventnosti. Avtor v prispevku poudarja pomen pogodbenih instrumentov za zavarovanje pogodbene obveznosti, ki so po njegovem mnenju izjemno pomembno orodje v rokah upnikov, vendar ga mora upnik uporabiti že ob sklenitvi pogodbe. Ravnanje upnika se mora po začetku insolventnosti dolžnika močno prilagoditi, saj mora upoštevati, da je dolžnik pri razpolaganju s svojim premoženjem omejen.

In the article, the author analyses the position and rights of the creditor in different scenarios in which he may find himself in relation to the debtor. The relationship between the creditor and the debtor can be divided into three phases: the phase before insolvency, the phase after insolvency but before insolvency proceedings, and the third phase when the debtor is already in insolvency proceedings. The author emphasizes the importance of contractual instruments to secure the contractual obligations, which, in his opinion, are an extremely important tool in the hands of the creditor, which the creditor must use in the phase of contracting. The creditor’s behaviour must be significantly adjusted after the debtor has become insolvent, as the creditor must take into account that the debtor is limited in the disposal of his assets.