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UserLogin_Topbar(); $(".topic").bind("mouseover", function () { $(".topic .bd").stop().slideDown(); $(".topic .hd i").addClass("on"); }); $(".topic").bind("mouseout", function () { $(".topic .bd").stop().slideUp(); $(".topic .hd i").removeClass("on"); }); }; </script> <div id="Main"> <form name="form1" method="post" action="./ShowArticle_Temp.aspx?ID=471" id="form1"> <input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE" value="/wEPDwUKMjA5ODg5Mzk2N2QYAQUGZ3ZUYWdzDzwrAAwBCAIBZPlHY1Kbs2xnAGPs/wJI35xZcizY7CWgMbE7zfQ3kyPE" /> <input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="EA2E7AE8" /> <div id="Nav">您的当前位置: <a href="/">捷律?/a> > <span id="lbNav"><a href="/flzs/zqzw/">债权债务</a> > <a href="/flzs/zqzw/grzw/">个人债务</a></span> > 正文</div> <div id="Left"> <div id="Title"> <h1><span id="lalTitle">债务纠纷过了诉讼时效如何补救?/span></h1></div> <div id="Author"> 发布时间:<span id="lbInDate">2017/10/19 15:56:33</span>  <span id="lbSource"></span><span id="lbAuthor"></span>   阅读?<span id="Hits"></span></div> <div id="Content"> <span id="lalContent"><p style="text-indent: 2em; text-align: left;">诉讼时效制度是指民事权利受到侵害的权利人在法定的时效期间内不行使权利,当时效期间届满时,人民法院对权利人的权利不再进行保护的制度。诉讼时效分为一般诉讼时与特殊诉讼时效,在借贷关系中,债权债务纠纷适用的是一般诉讼时效,根据我国《民法通则》有关规定,一般诉讼时效为2年,最长不超过20年。时效具有强制性,任何时效都由法律、法规强制规定,任何单位或个人对时效的延长、缩短、放弃等约定都是无效的?/p><p style="text-indent: 2em; text-align: left;">也就是说在贷借关系中,债权人如果怠于行使自身权利,超?年不主张自己的债权,则其债权不再受到法律的保护。但是不受法律保护,并不意味着债权灭失,债权人依然有机会获得清偿?/p><p style="text-indent: 2em; text-align: left;"><strong>(1)继续起诉</strong></p><p style="text-indent: 2em; text-align: left;">诉讼时效期满。债权人丧失的只是胜诉权但是债权人自身的实体权利并未丧失,债权始终存在,债务人虽可拒绝履行其义务,债权人请求权的行使仅发生障碍,但权利本身及请求权并不消灭。因此,当事人超过诉讼时效后起诉的,人民法院应当受理?/p><p style="text-indent: 2em; text-align: left;">在诉讼中,法官无权主动释明并适用该时效的规定,需要由当事人提出适用该制度。在确定借款事实的前提下,若庭审中债务人未注意债务已过诉讼时效并以此提出抗辩,债权人实体权利就能受到法律的保护?/p><p style="text-indent: 2em; text-align: left;"><strong>(2)催告债务人还款或要求其确认还?/strong></p><p style="text-indent: 2em; text-align: left;">上文已提及诉讼时效并不影响债权人的实体权利,因此,即使债权的诉讼时效期限已届满,债权人依然可以催告债务人还款,债务人自愿还款的,债权人的受偿权受法律保护,对方不得以不当得利为由要求返还。根据是?38条的规定,“超过诉讼时效期间,当事人自愿履行的,不受诉讼时效限制”?/p><p style="text-indent: 2em; text-align: left;">债务人若经催告后未还款但在确认还款的文书上签字,如《催告还款通知书、《确认还款书》等(在这些文书中需写明借款人同意或者自愿继续履行还款义?,这些为《合同法》上的“要约”行为,债务人签字后就形成了“承诺”,承诺行为导致一个新的债权债务关系产生。最高人民法院《关于超过诉讼时效期间借款人在催款通知单上签字或者盖章的法律效力问题的批复》规定:“对于超过诉讼时效期间,信用社向借款人发出催收到期贷款通知单,债务人在该通知单上签字或者盖章的,应当视为对原债务的重新确认,该债权债务关系应受法律保护。”最高人民法院《关于审理民事案件适用诉讼时效制度若干问题的规定》第22条规定:“诉讼时效期间届满,当事人一方向对方当事人作出同意履行义务的意思表示或者自愿履行义务后,又以诉讼时效期间届满为由进行抗辩的,人民法院不给予支持。”需要注意的是债务人在还款协议上签字并不代表原债权的诉讼时效延长,而是形成了新的债权债务关系,对于该协议所形成的债权适用新的诉讼时效?/p><p style="text-indent: 2em; text-align: left;"><strong>(3)催告保证人并在欠款催收通知书上签字</strong></p><p style="text-indent: 2em; text-align: left;">一般情况下由于债权人怠于行使债权,主债权超过诉讼时效期间,保证人的保证期间也会经过,但此时保证人如果愿意继续承担保证责任或者在符合《合同法》和《担保法》有关担保合同成立的规定,能够构成新的保证合同的欠款催收通知书的条款设计符合一定要?详见问题73,在此不??/p><p style="text-indent: 2em; text-align: left;">以上是对超过诉讼时效的债权的几点补救措施,但不就本身风险较大,并不值得提倡,我们建议债权人防患于未然,及时主张债权,并通过合理的主张债权的形式中断诉讼时效,熟悉相关法律以更好地捍卫自己的权益?/p><p><br style="text-indent: 2em; text-align: left;"/></p></span> <div class="pages"> </div> <div class="bdsharebuttonbox"><a href="#" class="bds_more" data-cmd="more"></a><a href="#" class="bds_qzone" data-cmd="qzone" title="分享到QQ空间"></a><a href="#" class="bds_tsina" data-cmd="tsina" title="分享到新浪微?></a><a href="#" class="bds_tqq" data-cmd="tqq" title="分享到腾讯微?></a><a href="#" class="bds_renren" data-cmd="renren" title="分享到人人网"></a><a href="#" class="bds_weixin" data-cmd="weixin" title="分享到微?></a></div> <script> window._bd_share_config = { "common": { "bdSnsKey": {}, "bdText": "", "bdMini": "2", "bdMiniList": false, "bdPic": "", "bdStyle": "0", "bdSize": "24" }, "share": {}, "image": { "viewList": ["qzone", "tsina", "tqq", "renren", "weixin"], "viewText": "分享到:", "viewSize": "16" }, "selectShare": { "bdContainerClass": null, "bdSelectMiniList": ["qzone", "tsina", "tqq", "renren", "weixin"]} }; 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