http:\/\/teise.org\/wp content\/uploads\/2018\/01\/Kavaln\u0117-Bernotait\u0117.pdf<\/a><\/span><\/p>\n[:]<\/p>\n","protected":false},"excerpt":{"rendered":"
[:lt] Norint atsakyti \u012f klausim\u0105, ar Lietuva, siekdama tobulinti vartotoj\u0173 teisi\u0173 apsaug\u0105 skol\u0173 i\u0161ie\u0161kojimo ne teismo tvarka procese, tur\u0117t\u0173 pasirinkti specialiojo teisinio reguliavimo b\u016bd\u0105, mokslininkai rekomenduoja pirmiausia atlikti realios Lietuvos vartotoj\u0173 socialin\u0117s, ekonomin\u0117s ir teisin\u0117s pad\u0117ties analiz\u0119. Tokia i\u0161vada paskelbta Lietuvos teis\u0117s instituto (LTI) mokslininki\u0173 Salvijos Kavaln\u0117s ir Kristinos Bernotait\u0117s mokslo studijoje \u201eVartotoj\u0173 teisi\u0173 apsauga i\u0161ie\u0161kant skolas ne teismo tvarka: u\u017esienio valstybi\u0173 patirtis\u201c, kuri\u0105 LTI mokslinink\u0117s atliko \u012fgyvendindamos Teisingumo ministerijos program\u0105. Jei Lietuvoje b\u016bt\u0173 nutarta kurti special\u0173j\u012f teisin\u012f reguliavim\u0105, LTI mokslinink\u0117s rekomenduoja \u012fstatyme ai\u0161kiai reglamentuoti tokius aspektus kaip reikalavimai skolos i\u0161ie\u0161kojimo i\u0161 vartotoj\u0173 ne teismo tvarka paslaugas teikiantiems subjektams, j\u0173 veiklos ir prie\u017ei\u016bros principai, atsakomyb\u0117 u\u017e netinkam\u0105 teis\u0117s akto nuostat\u0173 vykdym\u0105, informacijos, teiktinos vartotojams, apimtis ir teikimo tvarka, atlygis u\u017e i\u0161ie\u0161kojim\u0105 ir kit\u0173 galim\u0173 priskaitytin\u0173 sum\u0173 maksimal\u016bs dyd\u017eiai ir kiti aspektai. \u00a0 Mokslo studijos i\u0161vadose atkreipiamas d\u0117mesys, kad \u00a0Europos S\u0105jungos (ES) teis\u0117je kol kas nesama teisini\u0173 instrument\u0173, skirt\u0173 tiesiogiai valstyb\u0117se nar\u0117se skol\u0173 i\u0161ie\u0161kojim\u0105 ne teismo tvarka vykdan\u010di\u0173 \u012fmoni\u0173 veiklai reguliuoti. \u0160i\u0173 \u012fmoni\u0173 veiklos reguliavimas kol kas yra i\u0161imtinai valstybi\u0173 nari\u0173 vidaus reikalas. Ta\u010diau valstyb\u0117ms nar\u0117ms kuriant teisin\u012f reguliavim\u0105 d\u0117l skol\u0173 i\u0161ie\u0161kojimo ne teismo tvarka veikl\u0105 vykdan\u010di\u0173 \u012fmoni\u0173, didel\u0119 reik\u0161m\u0119 turi bendrieji vartotoj\u0173 teisi\u0173 apsaugos principai, \u012ftvirtinti \u012fvairiose vartotoj\u0173 teisi\u0173 apsaugai skirtose direktyvose, ES Teisingumo Teismo praktikoje bei ypa\u010d kit\u0173 valstybi\u0173 nari\u0173 patirtis ir teisinio reguliavimo priemon\u0117s, kuri\u0173 jos \u0117m\u0117si, reaguodamos \u012f poreik\u012f ginti vartotoj\u0173 teises i\u0161ie\u0161kant skolas ne teismo tvarka. Pagal taikytinus teis\u0117s aktus ir j\u0173 pob\u016bd\u012f i\u0161skirtini tokie du pagrindiniai skol\u0173 i\u0161ie\u0161kojim\u0105 ne teisme vykdan\u010di\u0173 \u012fmoni\u0173 veiklos teisinio reguliavimo b\u016bdai: bendrasis ir specialusis. Special\u0173j\u012f teisin\u012f reguliavim\u0105 tirtos valstyb\u0117s rinkosi siekdamos toki\u0173 tiksl\u0173 kaip u\u017etikrinti teising\u0105, proporcing\u0105 ir pagr\u012fst\u0105 skol\u0173 i\u0161ie\u0161kojim\u0105 i\u0161 vartotoj\u0173, s\u0117kming\u0105 skolininko ir skol\u0173 i\u0161ie\u0161kotojo dialog\u0105, pa\u0161alinti i\u0161 rinkos nepatikimus ir neprofesionalius skol\u0173 i\u0161ie\u0161kojimo subjektus, suteikti vartotojams daugiau teisinio tikrumo ir pagerinti vartotoj\u0173 teisi\u0173 apsaugos lyg\u012f. Vis\u0105 mokslo studijos tekst\u0105 galima rasti \u010dia: http:\/\/teise.org\/wp-content\/uploads\/2018\/01\/Kavaln\u0117-Bernotait\u0117.pdf [:en] The scientists of the Law Institute of Lithuania Dr. Salvija Kavaln\u0117 and Dr. Kristina Bernotait\u0117 has recently published a study \u201cConsumer Rights Protection in the Extrajudicial Debt Collection Procedures: the Foreign Countries Experience\u201d. The study is part of implementation of the Programme of the Ministry of Justice. Consumer rights protection in the extra-judicial debt collection procedures has become an increasingly acute legal and social problem during the recent years in various countries. Since 2008 economic crisis in countries in Europe, USA and others the consumers face the bitter consequences of over-indebtedness. So far, different methods of combating those problems have been applied in various European countries with ongoing legal discussion of whether more efficient methods should be employed. In the last 5 years some countries in Europe introduced the special legal regulations aimed at debt collection agencies in order to strengthen consumer protection. The aim of this study is to analyze the experience of foreign countries when regulating this area in order to help to decide if such kind of special legislation is needed in Lithuania, or if the current legal rules are able to solve those problems in accordance with social needs and the society\u2019s sense of justice. In case that a special legislation would be considered as relevant for Lithuania, the question arises, what can we learn from the good practices examples from abroad. In order to answer these questions this study analyses first, the meaning and definition of the debt collecting procedure and its possible impact on consumer rights, second, purposes to introduce the special legislation in Germany, Latvia and other European countries, third, the national approaches regarding states control over the debt collection agencies, forth, the national approaches regarding permissible amounts of expenses for recovery of a debt and the non-reimbursable expenses, fifth, other consumer rights protection measures such as right to the information and requirement for the communication culture with the consumers and sixth, the possible ways and suggestions for the improvement of the Lithuanian legal regime in area of extra-judicial debt collection related to the consumers. The conclusion was made that Lithuanian legislator in case that the study of factual situation would show that Lithuanian consumers face the same problems as consumers in other European countries should seriously consider the possibility of proposing solutions how to strengthen consumer rights in this area on the legislative niveau. By doing so Lithuanian legislator should weight the proportionality of the restrictions, because here an important issue is the conflict between the principle of social state and the fundamental right of entrepreneurship freedom. The\u00a0full text\u00a0in the Lithuanian language can\u00a0be\u00a0found\u00a0at\u00a0the following\u00a0website: http:\/\/teise.org\/wp content\/uploads\/2018\/01\/Kavaln\u0117-Bernotait\u0117.pdf [:]<\/p>\n","protected":false},"author":1,"featured_media":2762,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,261],"tags":[],"class_list":["post-2761","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-naujienos","category-2018-naujienu-irasu-metai"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/teise.org\/en\/wp-json\/wp\/v2\/posts\/2761","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/teise.org\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/teise.org\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/teise.org\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/teise.org\/en\/wp-json\/wp\/v2\/comments?post=2761"}],"version-history":[{"count":1,"href":"https:\/\/teise.org\/en\/wp-json\/wp\/v2\/posts\/2761\/revisions"}],"predecessor-version":[{"id":6823,"href":"https:\/\/teise.org\/en\/wp-json\/wp\/v2\/posts\/2761\/revisions\/6823"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/teise.org\/en\/wp-json\/wp\/v2\/media\/2762"}],"wp:attachment":[{"href":"https:\/\/teise.org\/en\/wp-json\/wp\/v2\/media?parent=2761"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/teise.org\/en\/wp-json\/wp\/v2\/categories?post=2761"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/teise.org\/en\/wp-json\/wp\/v2\/tags?post=2761"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}