Personalized arrangementsbut with objective criteria is the basic scenario that is on the government’s table in relation to management of debt Not only to the insurance funds but also the tax office.
The framework of future debt arrangements in the funds and the tax office is planned to rely on two pillars.
The first pillar will be that of the out -of -court settlement and the second will be the analysis of the profile of debtors by private companies.
It is recalled that a provision passed last month by the Government provides for the possibility of awarding (by the end of 2025) execution of services, supporting in nature, to legal entities for the management of overdue insurance contributions, the register of debtors, planning and planning.
This private company, such as has already revealed newsit.gr proceed with the following actions:
- Analysis of the Funds of the Fund’s File
- Distinction between receipt and non -receivable debts
- Checking the actual ability of debtors to repay their debts based on their current economic capacity as shown by a series of existing “measurement” mechanisms.
Newer newsit.gr reports that the most likely scenario predicts that the private company that will undertake the above project will be able to propose an arrangement to the debtor.
However, the same sources say that this arrangement should be based on objective criteria, that is, on income and property criteria and not based on the “discretion” of the private company on which terms and terms it will offer settlement.
This means that specific scales of declared income, real estate and household members should be defined on the basis of which one can integrate into such a regulation.
Such scales (and even enlarged) -for example -exist in the new regime of the out -of -court mechanism to avoid bankruptcy and seizure of assets, the improved platform of which opened yesterday (30.4.25).
Based on this, a debtor of banks, tax or funds may be included in a regulation of up to 240 installments (for debt to the funds and tax) -on a base Some income and assetsbut only if his debt exceeds 10,000 euros.
At the same time, there is a possibility of haircuts or even the main debt. The government, the same sources say, is not to … do not fall on one another, that is, the new out -of -court mechanism (especially as natural and legal entities in the bankruptcy of bankruptcy) does not fall on the regulation that will come after the management of the insurance company.
First – first, the EFKA regulation is expected to concern only the debts of more than 10,000 euros, but also below 10,000 euros.
Also, newsit.gr reports that a haircut -even 100% -of surcharges is being considering, but after the main debt is paid.
Such a solution is qualified by competent executives involved in planning the new status of overdue insurance debts specifically for freelancers and not so much for employers.
And this is because, according to the same sources, although an employer may have overdue debts to the funds, the employee (and rightly!) It receives health and pension benefits, as the employer’s debts “pay” the state indirectly. In this respect, the state cannot pay double the debts of employers, losing the amounts of the non -payment (haircut) of increases, while completing the missing amounts that are missing, due to employer debt, benefits to employees.
The same sources admit to newsit.gr that after EFKA, the AADE is more likely to enter the same debt management model, namely debtors’ mapping and the personalized arrangement of more than 24-48 installments but with objective criteria (income, property, etc.).