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La cessione del credito è un’alternativa semplice ed economica per imprese in difficoltà che non riescono a gestire più i propri crediti inesigibili.
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Un’impresa può ricorrere a questo strumento per liberarsi dei crediti deteriorati presenti nel bilancio aziendale e beneficiare di una serie di vantaggi importanti previsti dalla legge.
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Ma vediamo nello specifico come è disciplinata la cessione nell’ordinamento italiano.
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Cessione del credito: definizione nel codice civile
[toc] La cessione del credito è un istituto del diritto civile italiano, disciplinato dal codice civile agli artt. 1260 e ss., che si inserisce nell’ambito delle modificazioni soggettive dal lato attivo del rapporto giuridico obbligatorio, cioè del creditore. In tal caso, si tratta di una modificazione che si realizza per atto inter vivos e a titolo particolare.
La cessione è un contratto con il quale il creditore (detto cedente) pattuisce con un terzo (detto cessionario) il trasferimento in capo a quest’ultimo del suo diritto verso il debitore (detto ceduto).
La cessione del credito è un negozio a causa variabile che può assolvere diverse funzioni in virtù del fatto che può essere stipulata sia a titolo oneroso che a titolo gratuito: può realizzare una vendita (cd. venditionis causa), una donazione (cd. donandi causa) o essere effettuata al posto dell’adempimento (cd. solvendi causa). Inoltre, può riguardare qualunque tipo di credito, salvo alcune ipotesi espressamente previste dall’art. 1260, commi 1 e 2, c.c., come nel caso in cui il credito abbia carattere strettamente personale, ovvero sia vietato dalla legge, o la cessione sia stata convenzionalmente esclusa dalle parti.
Come funziona la cessione del credito
Il contratto di cessione ha natura consensuale e dunque, in virtù del cd. consenso traslativo, risulta perfezionato con il solo scambio del consenso tra cedente e cessionario, dopodiché il cedente, originario titolare del credito, perde automaticamente il diritto di riscossione nei confronti del debitore ceduto e il cessionario diventa l’unico legittimato a pretendere la prestazione.
Per espressa previsione dell’art. 1260 c.c. non è richiesto il consenso o l’accettazione da parte del debitore ceduto, il quale rimane, in ogni caso estraneo all’accordo di cessione intervenuto tra cedente e cessionario. Ciò in quanto, per il debitore è di norma indifferente il fatto di dover pagare al creditore originario ovvero al terzo cessionario.
Per approfondire: Guida alla Cessione Crediti Commerciali di imprese
Efficacia della cessione del credito nei confronti del debitore ceduto e riguardo i terzi
È necessario che al debitore venga notificata (o dal cedente o dal cessionario) ovvero sia da lui accettata la cessione del credito, ai sensi dell’art. 1264, comma 1, c.c. affinché possa avere efficacia nei suoi confronti e per permettergli di poter effettuare correttamente il pagamento. In realtà, la notifica al debitore è di norma effettuata soprattutto nell’interesse del cessionario poiché ha il fine di escludere l’efficacia liberatoria del pagamento eventualmente effettuato in buona fede dal debitore ceduto al cedente anziché al cessionario (es. nel caso in cui il debitore X effettui il pagamento alla società Alfa cedente, anziché alla nuova legittima titolare del credito società Beta, poiché all’oscuro dell’avvenuta cessione). Analogamente, a norma dell’art. 1264, comma 2, c.c., si deve escludere l’efficacia liberatoria del pagamento eseguito dal debitore ceduto che paga al cedente, se pure non vi è stata notificazione o accettazione, laddove il cessionario provi che il debitore ceduto aveva avuto conoscenza dell’avvenuta cessione.
Nel caso in cui il diritto di credito sia stato oggetto di più cessioni a persone diverse, ai sensi dell’art. 1265 c.c., prevale la cessione notificata per prima al debitore o quella che è stata prima accettata dal debitore con atto di data certa. La notificazione, tanto ai fini di cui all’art. 1264 c.c., quanto a quelli di cui all’art. 1265 c.c., è intesa come attività diretta a produrre la conoscenza di un atto in capo al destinatario, e in quanto tale costituisce atto a forma libera, non soggetto a particolari discipline o formalità.
E tu avevi già sentito parlare della cessione del credito?
La cessione del credito è un’ottima soluzione per le imprese che hanno in bilancio crediti inesigibili e che non riescono a riscuotere dai loro debitori perché consente di ottenere una serie di benefici, soprattutto in termini finanziari, fiscali e di riduzione dei costi di gestione.
Per conoscere tutti i vantaggi della cessione del credito: Perché cedere i crediti deteriorati? Ecco 5 Vantaggi della Cessione del Credito
Avevi già sentito parlare della cessione del credito? Se vuoi approfondire l’argomento della cessione crediti, scarica l’ebook gratuito “Cessione Crediti”.
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L’eBOOK GRATUITO
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