{
  "id": 9158492,
  "title": "Procedure di estinzione, in rialzo le richieste di chi non ha nulla",
  "url": "https://urgent.news/2026/09/22/procedure-di-estinzione-in-rialzo-le-richieste-di-chi-non-ha-nulla",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-22T15:47:38.000Z",
  "source": {
    "name": "Il Sole 24 Ore",
    "slug": "il-sole-24-ore",
    "url": "https://www.ilsole24ore.com/art/procedure-estinzione-rialzo-richieste-chi-non-ha-nulla-AJFn7CIB"
  },
  "original_language": "it",
  "account": "Increasingly, individuals are seeking and obtaining the complete cancellation of their debts, even if they have nothing to offer creditors. Known as \"debt cancellation for an insolvent debtor,\" this procedure can only be used once in a lifetime and was introduced in the Code of Crisis (Dlgs 14/2019) at the end of 2020 to give second chances to citizens who have no economic means (current or future) to meet their debts. Between 2021 and 2025, the number of applicants surged exponentially from 159 in 2021 to 1,166 in 2025, while the number of successful applicants rose from 24 to 238.\n\nThis trend is driven by growing economic difficulties and increased awareness of overspending procedures that allow the management of personal, professional, agricultural, and small-scale business crisis situations, exempt from bankruptcy or judicial liquidation. These procedures are part of the 2012 law (the \"salvage-suicide\" law, subsequently modified and merged into the Code of Crisis) which, in 2020, was complemented by the procedure for overspending by the incapable.\n\nHowever, the increase in requests has not been limited to those lacking assets. From 2021 to 2025, applications for other overspending procedures (minor concordat, debt restructuring, and controlled liquidation) have nearly doubled, rising from 4,785 to 9,483. The most commonly used route is controlled liquidation, which can be accessed by both consumers and non-insolvent professionals and businesses. Debt restructuring is reserved for consumers, while the minor concordat is mainly used by professionals and businesses. National data for 2026 are not yet available. The trend observed in the first eight months of this year, managed by the Arbitral Court of Milan, which handles almost all inquiries in Lombardy (areas of Como, Lecco, Cremona, Mantova, Pavia, Milano, Monza, Lodi, Varese, Busto Arsizio, and Sondrio), shows a slight decline (-15%) due to the summer break and the fact that many requests are made at the end of the year. In recent years, however, the increase has been continuous: between 2021 and 2025, the number of applications submitted by the incapable and managed by the Arbitral Court of Milan has quintupled (from 12 to 65), while the total applications increased from 182 to 295.\n\n\"The requests for help, information, and guidance are growing,\" says the Deputy Director of the Arbitral Court, Rinaldo Sali. \"Our commitment is to help the consumer and the non-insolvent small entrepreneur to recover and find a way out to restart their activity, benefiting the maintenance of the economic and social fabric.\"",
  "summary": "In cinque anni le domande presentate da incapienti sono aumentate del 630%",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}