How and if to disburse a loan?
So what is a nullatenente? There is no formal definition of this adjective even if it usually starts from the fact that it does not possess any type of property or, at least, of the goods subject to registration (properties, vehicles, etc.). In theory, the nullatenente does not even have a checking account. Well, after these observations the question is: how to provide a loan to a nullatenente?
Loans for nullatenenti: how to get them?
The argument into two phases: one first is how to finance the nullatenente and the second one that happens if, then, he does not pay the financing obtained. Loan to nullatenenti: can obtain it only in 2 ways: 1) by means of a third guarantor; 2) or through the so-called pledge loan. There are no other ways. Nullatenente does not pay financing: what happens? Then, if when he got the funding he was still NOT in that condition, any form of debt collection CANNOT do anything! Everything starts from the principle that if the debtor has nothing, what are you attacking him, what are the pledges?
We said that this applies to any type of debt collection procedure, including that of the former Equitalia, today the Revenue Collection Agency, in the event that the nullatenente does not pay the taxes but also the court costs. Otherwise, if the nullatenente does not pay a loan already entered while he had this “status” and therefore guaranteed in one of the two ways indicated above, he will pay either the third guarantor, or in the event of a pledge, the object that constituted it will be put up for auction. The attachment to a nullatenente follows.
Nullatenente and foreclosure: what relationship is there?
First of all, what kind of assets CANNOT be attached? There are various types of impeccable goods, listed first and foremost in articles 514, 515 and 516 of the Italian Code of Civil Procedure, then in various articles of the civil code (e.g. those referred to in articles 188, 326, 1881, 2117, etc.) as well as those required by specific legal provisions. Nullatenente and attachment of parents or spouse and/or other family members?
This is the question that in this case interests the nullitenente more than others. Therefore, without prejudice to the fact that they cannot attach property that cannot be attached, regardless of the residence where they are based, on the basis of a general principle, all that is in the material availability of the insolvent debtor can be subject to foreclosure if it is not possible to demonstrate that the asset is owned by others, in this case of the parents, spouse or other family member living with the debtor.
Other loans for nullatenenti. Well, this is not real funding, but advice that we want to give to all those who, despite themselves, find themselves in a situation like this but want to get out with their heads held high: to these, we suggest asking for loans for the unemployed to open businesses because true nullity is something that, often and willingly, goes hand in hand with unemployment.