破產令已經屆滿之後的業權問題

2013-03-20 12:06 pm
有一女,於2003年申請了破產,當時有一層與丈夫長命契約聯名持有的婚姻居所物業,屬於此女部分的業權被錠契,丈夫一直居於此物業,並負責餘下的銀行按揭樓款至今。(注:此物業當年破產時是屬於負資產,但現時已升值大約4倍。)此女于2009年和丈夫正式離婚,屬於丈夫的業權繼續歸丈夫持有,丈夫只是每月給與贍養費並無拖欠。

其實按理至今此女破產令應早已屆滿。誰知離婚多年之後,今年初此女突然聘請律師向法庭提出要求變賣此物業,本人覺得有點不明所以。有問題請教如下:

1.此女現時還有權利要求賣樓嗎?

2.怎樣才知道自己的破產令是否屆滿呢?此女年初上法庭時在庭上居然聲稱自己破產令還未屆滿,但近期此女前夫為了了解另半份被錠契的業權,而主動去接觸了破產處,從而得知此女的破產令早于2007年已經屆滿,所以不明白她爲何在法庭上如此説法?

3.据此女的辯解是,她說當年她只是欠下不到50万元的債項,當年物業屬於負資產,根本不足以償債,但現在物業已經升值數倍,變賣之後屬於她的一半足以償債還有剩餘。也就是說有賺沒賠,所以強烈要求賣樓。她真的有權這麽做嗎?

4.假設現在丈夫同意變賣物業,所得款項在和破產處對分之后,破產處還會將償還債項之後的剩餘款項退回給此女嗎?(注:此女其實當年破產時還有另外一幢和她父親聯名持有的居者有其屋的公屋被錠契。)假設果真如此,是否說她現時這公屋也會自動解凍了?

5.假如在4年破產令期間一直沒有解決這物業,也就是說沒有變賣,破產處只是錠契,是否破產者即時已過破產期,都可以以物業已經升值為由隨時要求變賣物業呢?或者說破產者現在償還清之前所欠下的債項而要求破產處發還物業呢?
更新1:

6.題外話:假設此女有工作有收入,破產的四年間上繳的收入也差不多正好把債給還清了,是否說即使過了4年,破產處也該把錠契的物業還給她呢?

回答 (2)

2013-03-20 6:01 pm
✔ 最佳答案
1. Of course not. A quick visit to the Land Registry will reveal that the wife's portion has been repossessed by the Official Receiver's Office (In other words, the Official Receiver's Office and the husband are the current owners).

Unless the wife can prove otherwise (such as outstanding alimony), there is no legal basis for such action.

2. Bankruptcy is a public record. So any individual can request the record from the Official Receiver's Office with a fee.

3. Using the same excuse by the wife, her debtor can claim that her debts and interest have not been fully settled.

So no.

4. No and no.

As soon as the properties have been seized and a lien has filed, the wife no longer has any relationship with the properties.

5. No. See #4.

Bankruptcy, once approved, can't be turned back.

6. No - Bankruptcy provides some major protection to debtee:

a. The debt will stay level without interest;

b. Upon satisfaction, all outstanding debts will be discharged without further payment.

Because of the protection, even the repayment amount may be the same as the debt, it does not mean any one can get those back.
2013-03-21 5:32 am
Gary 博士的意見正確!

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