Partendo subito da una definizione, lo stato d’insolvenza si manifesta con inadempimenti o altri fattori esterni che dimostrano che il debitore non è più in grado di soddisfare regolarmente le proprie obbligazioni. All’esito di alcune verifiche, il fallimento viene dichiarato con una sentenza, la quale procede anche alla nomina di un curatore fallimentare che dovrà occuparsi di amministrare i beni del soggetto fallito. Il principale effetto della sentenza che dichiara il fallimento è quello di causare la perdita di disponibilità (ma non di proprietà) dei beni in capo al fallito, il quale quindi non può più ricevere somme di denaro a questi legate e agire per la loro tutela.

A questo punto, quindi, occorre entrare nel dettaglio e iniziare a parlare del caso in cui il soggetto fallito sia un condominio e capire quale sia la sorte delle quote condominiali.

Partendo dalla divisione di quei crediti per oneri condominiali maturati antecedentemente alla data di del fallimento, essi hanno natura concorsuale e chirografaria, ossia non sono normalmente assistiti da privilegio sugli altri crediti e devono essere richiesti dal condominio attraverso il deposito di una domanda di ammissione al passivo.

Per quanto riguarda, invece, la parte maturata dopo la data del fallimento questa non ha natura concorsuale e i crediti sono prededucibili. I crediti per quote condominiali divenuti esigibili dopo l’approvazione dello stato di ripartizione, quindi, sono esclusi dal concorso con gli altri crediti ed hanno precedenza assoluta rispetto a questi ultimi.

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