[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kcms.cz\/postavte-se-dluhum-celem\/#Article","mainEntityOfPage":"https:\/\/www.kcms.cz\/postavte-se-dluhum-celem\/","headline":"Postavte se dluh\u016fm \u010delem","name":"Postavte se dluh\u016fm \u010delem","description":"Pokud u\u017e se dostanete do probl\u00e9m\u016f s dluhy, je pot\u0159eba je \u0159e\u0161it a ne p\u0159ed nimi ut\u00edkat. Pomoci V\u00e1m m\u016f\u017ee […]","datePublished":"2018-08-04","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.kcms.cz\/author\/#Person","name":"","url":"https:\/\/www.kcms.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kcms.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kcms.cz\/wp-content\/uploads\/img_a322297_w2394_t1533846165.jpg","url":"https:\/\/www.kcms.cz\/wp-content\/uploads\/img_a322297_w2394_t1533846165.jpg","height":0,"width":0},"url":"https:\/\/www.kcms.cz\/postavte-se-dluhum-celem\/","wordCount":461,"articleBody":"Pokud u\u017e se dostanete do probl\u00e9m\u016f s dluhy, je pot\u0159eba je \u0159e\u0161it a ne p\u0159ed nimi ut\u00edkat. Pomoci V\u00e1m m\u016f\u017ee dojedn\u00e1n\u00ed spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e anebo osobn\u00ed bankrot. Sv\u00e9 dluhy, ale taky netajte p\u0159ed sv\u00fdm partnerem. M\u016f\u017ee to skon\u010dit velkou kriz\u00ed anebo rozchodem. Partner V\u00e1m t\u0159eba m\u016f\u017ee tak\u00e9 pomoci. Ve dvou se probl\u00e9my l\u00e9pe \u0159e\u0161\u00ed. Proto si nejprve zjist\u011bte kolik, jakou \u010d\u00e1stku dlu\u017e\u00edte u v\u0161ech spole\u010dnost\u00ed. Osobn\u00ed bankrot m\u016f\u017eete vyu\u017e\u00edt pouze tam, kde dlu\u017e\u00edte d\u00e9le jak 30 dn\u00ed po splatnosti a m\u00e1te dluhy minim\u00e1ln\u011b u dvou v\u011b\u0159itel\u016f. Tak\u00e9 je d\u016fle\u017eit\u00e9 skute\u010dn\u011b cht\u00edt se s dluhy vypo\u0159\u00e1dat a d\u00e1le \u017e\u00edt a fungovat s \u010dist\u00fdm \u0161t\u00edtem. Pokud m\u00e1te toti\u017e nesplacen\u00e9 dluhy, jste v roli \u00fapadku a chystaj\u00ed se na V\u00e1s exekuto\u0159i. Jejich n\u00e1v\u0161t\u011bv\u011b m\u016f\u017eete pr\u00e1v\u011b p\u0159edej\u00edt domluven\u00edm spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e, kter\u00fd mus\u00edte dodr\u017eovat anebo u\u017e pomoci v\u00fd\u0161e zm\u00edn\u011bn\u00e9ho osobn\u00edho bankrotu. Pokud tedy se s v\u011b\u0159iteli nedomluv\u00edte na jin\u00fdch podm\u00ednk\u00e1ch splacen\u00ed dluhu, podejte neodkladn\u011b n\u00e1vrh na oddlu\u017een\u00ed na soud\u011b dle Va\u0161eho bydli\u0161t\u011b. \u010c\u00edm d\u00e9le toti\u017e budete ot\u00e1let s vy\u0159e\u0161en\u00edm t\u00e9to situace, t\u00edm v\u00edce se V\u00e1\u0161 dluh zv\u011bt\u0161uje pomoc\u00ed \u00farok\u016f, n\u00e1klad\u016f \u0159\u00edzen\u00ed a pozd\u011bji i odm\u011bny exekutorovi.  Jak na osobn\u00ed bankrot?  Pokud se rozhodnete pro osobn\u00ed bankrot, \u010dek\u00e1 V\u00e1s p\u011btilet\u00e1 cesta z dluhu. Pomoc\u00ed not\u00e1\u0159e anebo pr\u00e1vn\u00edka se m\u016f\u017eete obr\u00e1tit na soud v m\u00edst\u011b Va\u0161eho bydli\u0161t\u011b, pokud dlu\u017e\u00edte v\u00edce v\u011b\u0159itel\u016fm, nejste schopni dluh spl\u00e1cet a z pravideln\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu m\u016f\u017eete po dobu p\u011bti let splatit minim\u00e1ln\u011b t\u0159icet procent ze sv\u00e9 dlu\u017en\u00e9 \u010d\u00e1stky. Soud po pod\u00e1n\u00ed n\u00e1vrhu na oddlu\u017een\u00ed rozhodne, zda oddlu\u017een\u00ed povol\u00ed anebo zam\u00edtne. Zam\u00edtnout ho m\u016f\u017ee nap\u0159\u00edklad z d\u016fvodu nepoctiv\u00e9ho z\u00e1m\u011bru dlu\u017en\u00edka, nebo hodnota pln\u011bn\u00ed p\u0159i oddlu\u017een\u00ed by byla ni\u017e\u0161\u00ed jak 30 % pohled\u00e1vek. Na internetu najdete i kalkula\u010dky podle, kter\u00fdch si m\u016f\u017eete spo\u010d\u00edtat dle zadan\u00fdch \u00fadaj\u016f, jak\u00e1 by byla Va\u0161e nezabaviteln\u00e1 \u010d\u00e1stka, spl\u00e1tka i odm\u011bna spr\u00e1vci insolvence. Ale tak\u00e9 \u00fadaj, jakou celkovou \u010d\u00e1stku byste za 5 let splatili. Webov\u00e9 str\u00e1nky nab\u00edzej\u00ed i v\u0161echny pot\u0159ebn\u00e9 informace k tomu, jak prob\u00edh\u00e1 osobn\u00ed bankrot a co je k n\u011bmu pot\u0159eba.                                                                                                                                                                                                                                                                                                                                                                                         3.9\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Postavte se dluh\u016fm \u010delem","item":"https:\/\/www.kcms.cz\/postavte-se-dluhum-celem\/#breadcrumbitem"}]}]