Month: May 2014

The Indebted

We suppose that, like counter-guarantee of endorsement, the guarantor constituted public document article on certain goods of the indebted one guaranteed (special privilege according to article 90 of the LC). Then, overcome the guarantee and executed endorsement, the guarantor he will not be able, one time has paid, to subrogate itself in the position of the creditor with endorsement and to demand that their credit is described as privileged on the occasion of this article. That is to say, the payment of endorsement and the subrogation of the guarantor in the place of the previous creditor in no case will be able to entail one better qualification of the credit (with the consequent damage for the rest of creditors of the contest). 2. – Supposed that, executed endorsement, the guarantor only satisfies partially the credit It establishes article 87,7 of the LC that " to request of the creditor who had received part of his credit of a guarantor, shared in common indebted fastener or of the insolvent debtor, they will be able to as much include to its favor in the list of creditors the rest of its credit nonsatisfied like the totality del that, by reimbursement or by quota of solidarity, corresponds to that had made the payment partial ". This norm consecrates, for the phase of recognition of credits, the general principle according to which the right of the creditor with endorsement to make up for by the rest of the satisfied credit is not preferred on which the guarantor shows who it has realised a partial payment against the same indebted one. The foundation the preference is obvious: to allow that the guarantor – to title of the return right concurs in regime of equality in the contest with the primitive creditor, this one runs the risk of seeing itself omitted in its expectations of collection of the rest of the credit against that one, with the result of which the creditor who arranged the guarantee is finally that has supported the risk of insolvency of the insolvent debtor. .

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Successful Application

Tools for the successful application of six sigma Six Sigma has prevailed in the international as well as in the German economy more and more and is an increasingly popular and no longer to be thinking away powerful management tool now in almost all industries. The reason for this is the increasing pressure on organizations to find a balance between not declining cost pressures, the ever increasing needs of the customers on quality and reliability, as well as the existence in national and international competition by backing up and removing the competitive differentiation and market share. Six Sigma for each of the mentioned problems is suitable depending on the pursued strategy and given problem in the company. Six Sigma can with the focus of the cost-cutting also used, with the focus of improving the quality and the competitiveness of customer satisfaction and customer loyalty. Why is it now that six resulted in Sigma even if processes still considerable improvements, the already were over the years with classical Qualitatswerkzeugenoptimiert? That error rates, cycle times or costs already in the framework of a single project more than can be cut in half, is not a rarity. The secret of the success of Six Sigma’s in its consequence in the approach, the intelligent use of the method associated and last but not least in the clear orientation figures, data and facts underlying the project work. You get Six Sigma DMAIC or DMADV (design for six sigma) process of the faith to knowledge! The classic six sigma process for problem-solving 5 phases. The problem to be solved with the project and the objectives associated with the project will be formulated first clear and concrete. Then the situation is in fact determined and all data necessary to solve collected and evaluated. Validated and meaningful data for the analysis on the one hand and the detailed analysis of the associated with the problem process with appropriate tools are the key elements to find the solution.

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