[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kerabel.cz\/osobni-bankrot\/#Article","mainEntityOfPage":"https:\/\/www.kerabel.cz\/osobni-bankrot\/","headline":"Osobn\u00ed bankrot","name":"Osobn\u00ed bankrot","description":"Jestli\u017ee v\u00e1s tr\u00e1p\u00ed dluhy, kter\u00e9 nesta\u010d\u00edte splatit, jde zde \u0159e\u0161en\u00ed. Osobn\u00ed bankrot je t\u00edm nejlep\u0161\u00edm \u0159e\u0161en\u00edm v\u016fbec. Existuj\u00ed ale situace, kdy nen\u00ed zapot\u0159eb\u00ed se do insolvence v\u016fbec pou\u0161t\u011bt. Tak jako v\u0161echno m\u00e1 i insolvence sv\u00e1 pravidla. Jsou stanovena v insolven\u010dn\u00edm z\u00e1kon\u011b. U firem se bankrot \u0159e\u0161\u00ed likvidac\u00ed. U fyzick\u00fdch osob oddlu\u017een\u00edm. Oddlu\u017een\u00ed b\u00fdv\u00e1 ve dvou […]","datePublished":"2019-09-12","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.kerabel.cz\/author\/#Person","name":"","url":"https:\/\/www.kerabel.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kerabel.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kerabel.cz\/wp-content\/uploads\/img_a351267_w1737_t1565942132.jpg","url":"https:\/\/www.kerabel.cz\/wp-content\/uploads\/img_a351267_w1737_t1565942132.jpg","height":0,"width":0},"url":"https:\/\/www.kerabel.cz\/osobni-bankrot\/","about":["Finance"],"wordCount":425,"articleBody":"      Jestli\u017ee v\u00e1s tr\u00e1p\u00ed dluhy, kter\u00e9 nesta\u010d\u00edte splatit, jde zde \u0159e\u0161en\u00ed. Osobn\u00ed bankrot je t\u00edm nejlep\u0161\u00edm \u0159e\u0161en\u00edm v\u016fbec. Existuj\u00ed ale situace, kdy nen\u00ed zapot\u0159eb\u00ed se do insolvence v\u016fbec pou\u0161t\u011bt. Tak jako v\u0161echno m\u00e1 i insolvence sv\u00e1 pravidla. Jsou stanovena v insolven\u010dn\u00edm z\u00e1kon\u011b. U firem se bankrot \u0159e\u0161\u00ed likvidac\u00ed. U fyzick\u00fdch osob oddlu\u017een\u00edm. Oddlu\u017een\u00ed b\u00fdv\u00e1 ve dvou form\u00e1ch. Jednou z nich je spl\u00e1tkov\u00fd kalend\u00e1\u0159, kdy se odevzd\u00e1vaj\u00ed v\u0161echny va\u0161e p\u0159\u00edjmy a to do doby, ne\u017e bude dlu\u017en\u00e1 \u010d\u00e1stka splacen\u00e1. Druhou z mo\u017enost\u00ed je zpen\u011b\u017een\u00ed majetku, kdy se prod\u00e1v\u00e1 majetek dlu\u017en\u00edka. Nej\u010dast\u011bji prodej prob\u00edh\u00e1 za pomoci dra\u017eby. C\u00edlem oddlu\u017een\u00ed je uspokojit v\u011b\u0159itele a dlu\u017en\u00edkovi d\u00e1t druhou \u0161anci. Pokud nav\u00edc splat\u00ed do 5 let aspo\u0148 30% dluh\u016f, zbytek mu m\u016f\u017ee b\u00fdt prominut.Osobn\u00ed bankrot fahd.cz se li\u0161\u00ed od exekuce t\u00edm, \u017ee je dlu\u017en\u00edk mnohem v\u00edce motivov\u00e1n v oblasti spl\u00e1cen\u00ed a to i v p\u0159\u00edpad\u011b, \u017ee dluhy jsou velmi vysok\u00e9. D\u00edky bankrotu, kter\u00fd je \u0159\u00edzen\u00fd, st\u00e1t zaru\u010duje navr\u00e1cen\u00ed zp\u011bt do spole\u010dnosti. Dlu\u017en\u00edk nej\u010dast\u011bji opou\u0161t\u00ed ekonomiku, kterou bychom mohli nazvat jako \u0161edou a nastupuje do zam\u011bstn\u00e1n\u00ed na pracovn\u00ed smlouvu. O insolvenci m\u00e1 smysl \u017e\u00e1dat pouze tehdy, pokud nest\u00edh\u00e1te spl\u00e1cet, jste schopni do p\u011bti let splatit alespo\u0148 t\u0159icet procent v\u0161ech dluh\u016f apod. Samoz\u0159ejm\u011b se nemus\u00edte b\u00e1t toho, \u017ee byste byli \u00fapln\u011b bez pen\u011bz. Budete m\u00edt minimum, kter\u00e9 je pot\u0159eba k \u017eivotu. V\u00fd\u0161e se odv\u00edj\u00ed od po\u010dtu vy\u017eivovan\u00fdch osob a \u010dist\u00e9 mzdy. Jakmile za\u017e\u00e1d\u00e1te o insolvenci, pozastavuje se exekuce. Exekutor ale m\u016f\u017ee dlu\u017en\u00edkovi blokovat jeho \u00fa\u010det. Nen\u00ed z n\u011bj mo\u017en\u00e9 strh\u00e1vat pen\u00edze. Pokud ale vzniknou n\u011bjak\u00e9 dal\u0161\u00ed dluhy a to v pr\u016fb\u011bhu osobn\u00edho bankrotu, pak se mohou exeku\u010dn\u011b vym\u00e1hat, jeliko\u017e nejsou sou\u010d\u00e1st\u00ed insolvence. Do budoucna n\u00e1s mo\u017en\u00e1 \u010dekaj\u00ed novinky, ohledn\u011b insolvence. Uva\u017euje se toti\u017e nad t\u00edm, \u017ee spl\u00e1cen\u00ed bude na t\u0159i roky a nebude pot\u0159eba dos\u00e1hnout ani minima t\u0159iceti procent. Oddlu\u017een\u00ed pro d\u016fchodce by tak\u00e9 m\u011blo b\u00fdt mnohem rychlej\u0161\u00ed. V\u0161e ale uk\u00e1\u017ee a\u017e s\u00e1m \u010das.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Osobn\u00ed bankrot","item":"https:\/\/www.kerabel.cz\/osobni-bankrot\/#breadcrumbitem"}]}]