{"id":39484,"date":"2019-11-26T15:42:48","date_gmt":"2019-11-26T14:42:48","guid":{"rendered":"https:\/\/atena.sk\/blog\/licni-bankrot-na-novi-pocetak\/"},"modified":"2022-08-30T12:46:54","modified_gmt":"2022-08-30T10:46:54","slug":"licni-bankrot-na-novi-pocetak","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/bs\/licni-bankrot-na-novi-pocetak\/","title":{"rendered":"Li\u010dni bankrot na novi po\u010detak?"},"content":{"rendered":"\n<p>U nastojanju da smanji jo\u0161 uvijek visoku nezaposlenost, dr\u017eava je od 1. marta 2017. godine, zahvaljuju\u0107i zakonodavstvu sadr\u017eanom u Zakonu br. 7\/2005 Coll. o ste\u010daju i restrukturiranju, uvela nova pravila o li\u010dnom ste\u010daju. Njegov cilj je da pru\u017ei drugu \u0161ansu onima koji se na\u0111u u &#8220;du\u017eni\u010dkoj zamci&#8221; i ne mogu sami da iza\u0111u iz nje. <\/p>\n\n<!--more-->\n\n<p>Finansijska pismenost se popravlja, ali se i dalje de\u0161ava da otpla\u0107ujemo jedan kredit drugom. Problem nastaje ako iznos rata prelazi tre\u0107inu na\u0161ih prihoda. Me\u0111utim, gubitak posla ili bolest, koja onemogu\u0107ava rad, donosi i komplikacije. Li\u010dni bankrot je jedno od rje\u0161enja za izlazak iz neugodne situacije. <\/p>\n\n<h2 class=\"wp-block-heading\">O\u010dekuje li se opadaju\u0107i trend? <\/h2>\n\n<p>Broj ovrha je naglo smanjen u 2018. u odnosu na prethodne godine. Glavni razlog smanjenja su zakonske promjene u li\u010dnim ste\u010dajevima. U prvom kvartalu ove godine njihov broj je dostigao 3.545, au tre\u0107em kvartalu 4.782. U me\u0111ugodi\u0161njem pore\u0111enju, u tre\u0107em kvartalu 2019. godine u ste\u010daj je oti\u0161lo 22,55% vi\u0161e du\u017enika nego u istom periodu pro\u0161le godine. Me\u0111utim, u odnosu na posljednji kvartal pro\u0161le godine sa 3.600 li\u010dnih bankrota, to je 1,53% manje. Stoga se i u narednoj godini mo\u017ee o\u010dekivati opadaju\u0107i trend. <\/p>\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" width=\"798\" height=\"335\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2019\/11\/bankrot-1.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2019\/11\/bankrot-1.png\" alt=\"\" class=\"lazyload wp-image-8897\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27798%27%20height%3D%27335%27%20viewBox%3D%270%200%20798%20335%27%3E%3Crect%20width%3D%27798%27%20height%3D%27335%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2019\/11\/bankrot-1-200x84.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2019\/11\/bankrot-1-300x126.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2019\/11\/bankrot-1-400x168.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2019\/11\/bankrot-1-600x252.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2019\/11\/bankrot-1-768x322.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2019\/11\/bankrot-1.png 798w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 798px) 100vw, 798px\" \/><figcaption> <strong>RAZVOJ BROJA LI\u010cNIH STE\u010cAJA<\/strong> (izvor: <a href=\"https:\/\/e.dennikn.sk\/minuta\/1605258\">CRIF)<\/a> <\/figcaption><\/figure><\/div>\n\n<blockquote class=\"wp-block-quote\"><p>\u201cU prvih devet mjeseci ove godine progla\u0161eno je 12.665 li\u010dnih bankrota. U oktobru je njihov broj od januara 2019. bio ve\u0107i nego u cijeloj pro\u0161loj godini, u kojoj je progla\u0161eno 13.848 li\u010dnih ste\u010dajeva. Tako\u0111e je generalno ta\u010dno da vi\u0161e mu\u0161karaca bankrotira nego \u017eena. \u0160to se ti\u010de godina starosti, najzastupljeniji su ljudi u \u010detrdesetim godinama, ali je u martu 2019. godine bilo znatno vi\u0161e \u017eena nego mu\u0161karaca u starosnoj grupi 70-godi\u0161njih zajmoprimaca. <\/p><p>&#8211; Glavni analiti\u010dar CRIF-a, Jana Markov\u00e1 <\/p><\/blockquote>\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2019\/11\/mu&#x17E;i-a-&#x17E;eny.png\" alt=\"\" class=\"lazyload wp-image-8906\"\/><figcaption><strong>LI\u010cNI BANKROT MU\u0160KARCA I \u017dENA PO STAROSTI<\/strong> (izvor: <a href=\"https:\/\/hnonline.sk\/expert\/1867852-osobne-bankroty-lamali-rekordy-vlani-zbankrotovalo-takmer-strnast-tisic-ludi\">CRIF<\/a> )<\/figcaption><\/figure><\/div>\n\n<p>Prije nego \u0161to je biv\u0161a ministrica pravde Lucia \u017dit\u0148ansk\u00e1 do\u0161la s novim zakonom o ste\u010daju i restrukturiranju, mogu\u0107nost li\u010dnog bankrota bila je gotovo nedosti\u017ena za obi\u010dne ljude. Prije nego \u0161to je ova izmjena stupila na snagu, nije bilo prave statistike koja bi se mogla koristiti za predvi\u0111anje interesa za nju. Trenutno, me\u0111utim, svako fizi\u010dko lice mo\u017ee podnijeti zahtjev za otpis duga bez izuzetka. Otpis duga nastupa u trenutku stupanja na snagu rje\u0161enja o progla\u0161enju ste\u010daja ili rje\u0161enja kojim se utvr\u0111uje rok pla\u0107anja, kojim sud razrje\u0161ava du\u017enika. <\/p>\n\n<h2 class=\"wp-block-heading\">Jo\u0161 je lak\u0161e<\/h2>\n\n<p>Svaki nesolventni du\u017enik koji je fizi\u010dko lice, preduzetnik ili nepreduzetnik ima pravo da zahteva otplatu svojih dugova putem ste\u010daja ili otplate. Nema la\u017enih obe\u0107anja kod <strong><a href=\"https:\/\/bonato.sk\/\">kompanije za izmirenje dugova<\/a><\/strong> , ali se mo\u017eete osloniti na obe\u0107ani rezultat. Zajmoprimac kontaktira relevantnu kancelariju telefonom ili li\u010dno, gde se informi\u0161e o mogu\u0107nostima otpisa duga. Do 24 sati kontaktira se telefonom i zaka\u017ee termin do najbli\u017ee kancelarije specijaliste za otpis dugova.<\/p>\n\n<p>Cjelokupna procedura otpisa duga je prezentirana klijentu. Sa specijalistom daje nalog za procjenu njegovog finansijskog i imovinskog stanja i utvr\u0111uje da li ispunjava sve zakonske uslove. Nakon toga, u roku od 7 dana, sastavlja se Procjena i prijedlog rje\u0161enja. Nakon predaje, klijentu se garantuje li\u010dni bankrot odobren od strane suda. Istovremeno \u0107e dobiti popunjen Zahtjev za li\u010dni ste\u010daj sa svim prilozima. Potpisana prijava se \u0161alje Centru za pravnu pomo\u0107 u ime klijenta. Tokom cijelog procesa otpisa duga, klijent se prati do potpunog osloba\u0111anja duga. <\/p>\n\n<h2 class=\"wp-block-heading\">Advokate mu\u010de i dugovi<\/h2>\n\n<p>Ideja da su me\u0111u du\u017enicima samo finansijski nepismeni ljudi je pogre\u0161na. Klijenti su, izme\u0111u ostalih, biv\u0161i uspje\u0161ni poduzetnici, \u010dak i advokati, ste\u010dajni upravnici ili berzanski brokeri. Slu\u010dajevi sekundarne insolventnosti su tako\u0111e \u010desti. Preduzetnici nisu u mogu\u0107nosti da otpla\u0107uju svoje dugove prema osiguravaju\u0107im dru\u0161tvima i zbog toga su uzimali kredite koje nisu mogli da otplate. <\/p>\n\n<blockquote class=\"wp-block-quote\"><p>&#8220;Razlog li\u010dnog bankrota je uglavnom visoka zadu\u017eenost, kada je osoba pogre\u0161no procijenila svoje mogu\u0107nosti otplate ili je uzimala previ\u0161e kredita u vremenima prosperiteta. Drugi razlog je to \u0161to du\u017enik nema u\u0161te\u0111evinu koju bi mogao iskoristiti za vra\u0107anje dugova u slu\u010daju gubitka ili pad prihoda. I na kraju, ali ne i najmanje va\u017eno, gubitak prihoda uzrokovan, na primjer, dugotrajnom nezaposleno\u0161\u0107u ili zdravstvenim problemima, tako\u0111er mo\u017ee dovesti osobu u ste\u010daj.&#8221;<\/p><p>&#8211; Analiti\u010darka Po\u0161tov\u00e1 banke, Jana Glasov\u00e1 <br\/><\/p><\/blockquote>\n\n<p>Do obustave starog izvr\u0161enja mo\u017ee do\u0107i ako je du\u017enik ili povjerilac prestao postojati bez pravnog sljedbenika, a izvr\u0161enje je zapo\u010deto prije 1. april 2017. Da li je povjerilac fizi\u010dko lice, privredno dru\u0161tvo ili dr\u017eava nije presudno prilikom raskida stare ovrhe. Njegova obustava se mo\u017ee sprovesti i na predlog poverioca. Istovremeno, u vezi sa obustavom starog izvr\u0161enja, ovaj je du\u017ean da plati samo pau\u0161alne tro\u0161kove izvr\u0161itelja. <\/p>\n\n<p>Da li \u0107e biti mogu\u0107e ispuniti namjeru zakonodavca da omogu\u0107i du\u017enicima da se oslobode dugova i time ih motivi\u0161e da vode pravi \u017eivot, tek \u0107e praksa primjene ste\u010dajnih sudova pokazati kako \u0107e pristupiti pojedina\u010dnim prijedlozima, ali i aktivnostima du\u017enika. .<\/p>\n","protected":false},"excerpt":{"rendered":"<p>U nastojanju da smanji jo\u0161 uvijek visoku nezaposlenost, dr\u017eava je od 1. marta 2017. godine, zahvaljuju\u0107i zakonodavstvu sadr\u017eanom u Zakonu br. 7\/2005 Coll. o ste\u010daju i restrukturiranju, uvela nova pravila o li\u010dnom ste\u010daju. Njegov cilj je da pru\u017ei drugu \u0161ansu onima koji se na\u0111u u &#8220;du\u017eni\u010dkoj zamci&#8221; i ne mogu sami da iza\u0111u iz nje.<\/p>\n","protected":false},"author":9,"featured_media":34124,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[429,431],"tags":[],"acf":{"facebookpost":"","popis_socialneho_obrazku":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Li\u010dni bankrot na novi po\u010detak? - Atena blog<\/title>\n<meta name=\"description\" content=\"Cilj li\u010dnog bankrota je da pru\u017ei drugu \u0161ansu onima koji se na\u0111u u &quot;du\u017eni\u010dkoj zamci&quot; i ne mogu sami da iza\u0111u iz nje. 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