Legal remedies for handling bad debt insurance without filing for bankruptcy to the debtor
Keywords:
Credit Insurance, Debtor, Bad Credit, Legal EffortAbstract
Bad credit risk is one of the risks that comes from additional agreements or credit agreements made in writing but the debtor cannot repay the achievements that must be paid. Bankruptcy is the last thing creditors use to collect their debts from debtors. The conditions for declaring a debtor bankrupt are so easy that it has the potential to be misused by some creditors who do not have good intentions, but it is different if the handling of bad credit insurance is carried out without filing for bankruptcy against debtors who have bad credit. This study aims to analyze the legal standing of debtors who experience bad credit and legal remedies against credit insurance from bad credit debtors without filing for bankruptcy. The research method used in this research is normative juridical and the research typology uses explanatory research typology. The results of this study are legal remedies for bad credit debtors are to pay off debts and apply for a postponement of debt payment obligations which are already the obligations of the debtor to return the debts that have been borrowed to creditors in accordance with the agreement made. Related to handling through credit insurance with insurance claims that use the fulfillment of procedures that are requirements in the process of credit loan funds.
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