{"id":28260,"date":"2019-11-26T15:42:48","date_gmt":"2019-11-26T14:42:48","guid":{"rendered":"https:\/\/atena.sk\/blog\/osobnim-bankrotem-k-novemu-zacatku\/"},"modified":"2022-08-26T11:51:02","modified_gmt":"2022-08-26T09:51:02","slug":"osobnim-bankrotem-k-novemu-zacatku","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/cs\/osobnim-bankrotem-k-novemu-zacatku\/","title":{"rendered":"Osobn\u00edm bankrotem k nov\u00e9mu za\u010d\u00e1tku?"},"content":{"rendered":"\n

Ve snaze sn\u00ed\u017eit st\u00e1le vysokou m\u00edru nezam\u011bstnanosti st\u00e1t od 1. B\u0159ezen 2017, d\u00edky pr\u00e1vn\u00ed \u00faprav\u011b zakotven\u00e9 v z\u00e1kon\u011b \u010d. 7\/2005 Sb. o \u00fapadku a restrukturalizaci, zavedl nov\u00e1 pravidla pro osobn\u00ed bankrot. Jej\u00edm c\u00edlem je d\u00e1t druhou \u0161anci t\u011bm, kte\u0159\u00ed se ocitli v „dluhov\u00e9 pasti“ a nemohou se z n\u00ed sami dostat. <\/p>\n\n\n\n

Finan\u010dn\u00ed gramotnost se zlep\u0161uje, ale st\u00e1le se st\u00e1v\u00e1, \u017ee jednu p\u016fj\u010dku spl\u00e1c\u00edme druhou. Probl\u00e9m nast\u00e1v\u00e1, kdy\u017e v\u00fd\u0161e spl\u00e1tek p\u0159es\u00e1hne t\u0159etinu na\u0161ich p\u0159\u00edjm\u016f. Komplikace v\u0161ak p\u0159in\u00e1\u0161\u00ed i ztr\u00e1ta zam\u011bstn\u00e1n\u00ed nebo nemoc, kter\u00e1 znemo\u017e\u0148uje v\u00fdkon pr\u00e1ce. Osobn\u00ed bankrot je jedn\u00edm z \u0159e\u0161en\u00ed, jak se dostat z nep\u0159\u00edjemn\u00e9 situace. <\/p>\n\n

O\u010dek\u00e1v\u00e1 se klesaj\u00edc\u00ed trend? <\/h2>\n\n

Po\u010det exekuc\u00ed v roce 2018 ve srovn\u00e1n\u00ed s p\u0159edchoz\u00edmi lety prudce klesl. Hlavn\u00edm d\u016fvodem poklesu byly legislativn\u00ed zm\u011bny v oblasti osobn\u00edch bankrot\u016f. V prvn\u00edm \u010dtvrtlet\u00ed leto\u0161n\u00edho roku jich bylo 3 545 a ve t\u0159et\u00edm \u010dtvrtlet\u00ed 4 782. Ve t\u0159et\u00edm \u010dtvrtlet\u00ed 2019 zbankrotovalo meziro\u010dn\u011b o 22,55 % v\u00edce dlu\u017en\u00edk\u016f ne\u017e ve stejn\u00e9m obdob\u00ed lo\u0148sk\u00e9ho roku. Ve srovn\u00e1n\u00ed s posledn\u00edm \u010dtvrtlet\u00edm lo\u0148sk\u00e9ho roku, kdy bylo vyhl\u00e1\u0161eno 3 600 osobn\u00edch bankrot\u016f, je to v\u0161ak o 1,53 % m\u00e9n\u011b. Proto lze i v p\u0159\u00ed\u0161t\u00edm roce o\u010dek\u00e1vat klesaj\u00edc\u00ed trend. <\/p>\n\n

\"\"
V\u00ddVOJ PO\u010cTU OSOBN\u00cdCH BANKROT\u016e<\/strong> (zdroj: CRIF<\/a>) <\/figcaption><\/figure><\/div>\n\n

„Za prvn\u00edch dev\u011bt m\u011bs\u00edc\u016f leto\u0161n\u00edho roku bylo vyhl\u00e1\u0161eno 12 665 osobn\u00edch bankrot\u016f. Po\u010det osobn\u00edch bankrot\u016f byl v \u0159\u00edjnu vy\u0161\u0161\u00ed ne\u017e za cel\u00fd lo\u0148sk\u00fd rok, v n\u011bm\u017e bylo od ledna 2019 vyhl\u00e1\u0161eno 13 848 osobn\u00edch bankrot\u016f. Obecn\u011b tak\u00e9 plat\u00ed, \u017ee o bankrot \u017e\u00e1d\u00e1 v\u00edce mu\u017e\u016f ne\u017e \u017een. Z hlediska v\u011bku jsou nejv\u00edce zastoupeni \u010dty\u0159ic\u00e1tn\u00edci, ale v b\u0159eznu 2019 bylo ve v\u011bkov\u00e9 skupin\u011b 70let\u00fdch dlu\u017en\u00edk\u016f v\u00fdrazn\u011b v\u00edce \u017een ne\u017e mu\u017e\u016f.“ <\/p>

– Hlavn\u00ed analyti\u010dka CRIF, Jana Markov\u00e1 <\/p><\/blockquote>\n\n

\"\"
OSOBN\u00cd BANKROTY MU\u017d\u016e A \u017dEN PODLE V\u011aKU<\/strong> (zdroj: CRIF<\/a>)<\/figcaption><\/figure><\/div>\n\n

Ne\u017e b\u00fdval\u00e1 ministryn\u011b spravedlnosti Lucia \u017dit\u0148ansk\u00e1 p\u0159i\u0161la s nov\u00fdm z\u00e1konem o konkurzu a restrukturalizaci, byla mo\u017enost osobn\u00edho bankrotu pro b\u011b\u017en\u00e9ho \u010dlov\u011bka t\u00e9m\u011b\u0159 nedosa\u017eiteln\u00e1. P\u0159ed vstupem novely v platnost neexistovaly \u017e\u00e1dn\u00e9 re\u00e1ln\u00e9 statistiky, kter\u00e9 by umo\u017enily p\u0159edpov\u011bd\u011bt, jak\u00fd bude z\u00e1jem. V sou\u010dasn\u00e9 dob\u011b v\u0161ak m\u016f\u017ee o oddlu\u017een\u00ed po\u017e\u00e1dat ka\u017ed\u00e1 fyzick\u00e1 osoba bez v\u00fdjimky. Oddlu\u017een\u00ed nast\u00e1v\u00e1 okam\u017eikem nabyt\u00ed pr\u00e1vn\u00ed moci usnesen\u00ed o prohl\u00e1\u0161en\u00ed konkursu nebo usnesen\u00ed o stanoven\u00ed spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e, kter\u00fdm je dlu\u017en\u00edk soudem oddlu\u017een. <\/p>\n\n

Je to tak\u00e9 snaz\u0161\u00ed<\/h2>\n\n

Ka\u017ed\u00fd insolventn\u00ed dlu\u017en\u00edk, kter\u00fd je fyzickou osobou, a\u0165 u\u017e je podnikatelem, nebo ne, m\u00e1 pr\u00e1vo po\u017e\u00e1dat o oddlu\u017een\u00ed konkurzem nebo spl\u00e1tkov\u00fdm kalend\u00e1\u0159em. S \n inkasn\u00ed spole\u010dnost\u00ed<\/a>\n<\/strong> Neexistuj\u00ed \u017e\u00e1dn\u00e9 fale\u0161n\u00e9 sliby, ale m\u016f\u017eete se spolehnout na sl\u00edben\u00fd v\u00fdsledek. Dlu\u017en\u00edk kontaktuje p\u0159\u00edslu\u0161n\u00fd \u00fa\u0159ad telefonicky nebo osobn\u011b, aby se informoval o mo\u017enostech oddlu\u017een\u00ed. Do 24. hodin je telefonicky kontaktov\u00e1n a je sjedn\u00e1na sch\u016fzka v nejbli\u017e\u0161\u00ed kancel\u00e1\u0159i dluhov\u00e9ho specialisty.<\/p>\n\n

Klient je sezn\u00e1men s cel\u00fdm postupem \u0159e\u0161en\u00ed sv\u00e9ho dluhu. Uzav\u0159e s odborn\u00edkem objedn\u00e1vku na posouzen\u00ed sv\u00e9 finan\u010dn\u00ed a majetkov\u00e9 situace, aby se zjistilo, zda spl\u0148uje v\u0161echny z\u00e1konem stanoven\u00e9 po\u017eadavky. Do 7 dn\u016f je pak vypracov\u00e1no posouzen\u00ed a n\u00e1vrh \u0159e\u0161en\u00ed. Po jeho odevzd\u00e1n\u00ed m\u00e1 klient zaru\u010den soudem schv\u00e1len\u00fd osobn\u00ed bankrot. Z\u00e1rove\u0148 obdr\u017e\u00ed vypln\u011bn\u00fd n\u00e1vrh na osobn\u00ed bankrot se v\u0161emi p\u0159\u00edlohami. Podepsan\u00e1 \u017e\u00e1dost je jm\u00e9nem klienta zasl\u00e1na Centru pr\u00e1vn\u00ed pomoci. B\u011bhem cel\u00e9ho procesu oddlu\u017een\u00ed je klient sledov\u00e1n a\u017e do \u00fapln\u00e9ho oddlu\u017een\u00ed. <\/p>\n\n

Dluhy tr\u00e1p\u00ed i pr\u00e1vn\u00edky<\/h2>\n\n

P\u0159edstava, \u017ee mezi dlu\u017en\u00edky jsou pouze finan\u010dn\u011b negramotn\u00ed lid\u00e9, je myln\u00e1. Mezi klienty pat\u0159\u00ed mimo jin\u00e9 b\u00fdval\u00ed \u00fasp\u011b\u0161n\u00ed podnikatel\u00e9, dokonce i pr\u00e1vn\u00edci, spr\u00e1vci konkurzn\u00ed podstaty a burzovn\u00ed makl\u00e9\u0159i. \u010cast\u00e9 jsou tak\u00e9 p\u0159\u00edpady druhotn\u00e9 platebn\u00ed neschopnosti. \u017divnostn\u00edci nejsou schopni spl\u00e1cet sv\u00e9 dluhy poji\u0161\u0165ovn\u00e1m, a proto si vzali p\u016fj\u010dky, kter\u00e9 nejsou schopni spl\u00e1cet. <\/p>\n\n

„Osobn\u00ed bankrot je zp\u016fsoben p\u0159edev\u0161\u00edm vysok\u00fdm zadlu\u017een\u00edm, kdy \u010dlov\u011bk \u0161patn\u011b odhadl svou schopnost spl\u00e1cet nebo si v dob\u011b prosperity vzal p\u0159\u00edli\u0161 mnoho p\u016fj\u010dek. Dal\u0161\u00edm d\u016fvodem je, \u017ee dlu\u017en\u00edk nem\u00e1 \u00faspory, kter\u00e9 by mohl pou\u017e\u00edt na splacen\u00ed sv\u00fdch dluh\u016f v p\u0159\u00edpad\u011b v\u00fdpadku nebo poklesu sv\u00fdch p\u0159\u00edjm\u016f. V neposledn\u00ed \u0159ad\u011b m\u016f\u017ee \u010dlov\u011bka p\u0159iv\u00e9st do \u00fapadku v\u00fdpadek p\u0159\u00edjm\u016f zp\u016fsoben\u00fd nap\u0159\u00edklad dlouhodobou nezam\u011bstnanost\u00ed nebo zdravotn\u00edmi probl\u00e9my.“<\/p>

– Analyti\u010dka Po\u0161tov\u00e9 banky, Jana Glasov\u00e1 <\/p><\/blockquote>\n\n

Star\u00e1 exekuce m\u016f\u017ee b\u00fdt zastavena, pokud dlu\u017en\u00edk nebo v\u011b\u0159itel zanikl bez pr\u00e1vn\u00edho n\u00e1stupce a exekuce byla zah\u00e1jena p\u0159ed 1. Duben 2017. Pro ukon\u010den\u00ed star\u00e9 exekuce nen\u00ed rozhoduj\u00edc\u00ed, zda je v\u011b\u0159itelem fyzick\u00e1 osoba, podnik nebo st\u00e1t. K jeho ukon\u010den\u00ed m\u016f\u017ee doj\u00edt i na \u017e\u00e1dost v\u011b\u0159itele. Sou\u010dasn\u011b je povinen uhradit pouze pau\u0161\u00e1ln\u00ed n\u00e1klady soudn\u00edho exekutora v souvislosti se zastaven\u00edm star\u00e9 exekuce. <\/p>\n\n

Zda bude napln\u011bn z\u00e1m\u011br z\u00e1konod\u00e1rce umo\u017enit dlu\u017en\u00edk\u016fm zbavit se dluh\u016f a motivovat je tak k \u0159\u00e1dn\u00e9mu \u017eivotu, uk\u00e1\u017ee a\u017e aplika\u010dn\u00ed praxe insolven\u010dn\u00edch soud\u016f, jak budou p\u0159istupovat k jednotliv\u00fdm n\u00e1vrh\u016fm a tak\u00e9 aktivita dlu\u017en\u00edk\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ve snaze sn\u00ed\u017eit st\u00e1le vysokou m\u00edru nezam\u011bstnanosti st\u00e1t od 1. B\u0159ezen 2017, d\u00edky pr\u00e1vn\u00ed \u00faprav\u011b zakotven\u00e9 v z\u00e1kon\u011b \u010d. 7\/2005 Sb. o \u00fapadku a restrukturalizaci, zavedl nov\u00e1 pravidla pro osobn\u00ed bankrot. Jej\u00edm c\u00edlem je d\u00e1t druhou \u0161anci t\u011bm, kte\u0159\u00ed se ocitli v „dluhov\u00e9 pasti“ a nemohou se z n\u00ed sami dostat.<\/p>\n","protected":false},"author":9,"featured_media":23790,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[218,219],"tags":[],"acf":{"facebookpost":"","popis_socialneho_obrazku":""},"yoast_head":"\nOsobn\u00edm bankrotem k nov\u00e9mu za\u010d\u00e1tku? - Atena blog<\/title>\n<meta name=\"description\" content=\"C\u00edlem osobn\u00edho bankrotu je d\u00e1t druhou \u0161anci t\u011bm, kte\u0159\u00ed se ocitli v "dluhov\u00e9 pasti" a nemohou se z n\u00ed sami dostat. 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