I rimedi alla crisi da sovrindebitamento:un assetto definitivo alla crisi del consumatore? in Bonfatti Falcone (a cura di) Le procedure di composizione negoziale delle crisi e del sovrindebitamento.Atti del convegno internazionale di studi( 25/26 gennaio 2012).Quaderni di Giurisprudenza Commerciale,n.372,2014, pp.349

ABSTRACT The law December 17, 2012, n. 221, which provides for the conversion, with amendments, of Decree Law 18 October 2012, n. 179 “concerning further urgent measures for the country's growth”, introduces important changes to the regulation of over-indebtedness crisis (so-called civil insolvency) contained in the Law 27 January 2012, n. 31. The new text completes a complex program of reform that, in 2012, saw the national legislature engaged on issues of crisis for the company and the insolvency civil. It is worth mentioning that even the discipline of bankruptcy proceedings has undergone significant changes with the dl 22 June 2012, n. 83 >, converted with amendments by Law of 7 August 2012, n. 134. The composition of the crisis by over-indebtedness is defined as a procedure, similar to the arrangement, designed to put deal with the situations of over-indebtedness (defined as situations certain pathological inability not temporary regularly fulfill the obligations assumed through the use of to income, to movable and immovable property) is not subject neither amenable to the current proceedings. There are several options recognized by law, until the possibility of allowing the real “failure” of the consumer. This paper aims to provide an analysis on the new regulatory framework in the field of civil insolvency and corporate crisis, which emerged as by those provisions