{"id":28312,"date":"2019-11-21T09:48:45","date_gmt":"2019-11-21T08:48:45","guid":{"rendered":"https:\/\/atena.sk\/blog\/zbavit-se-dluhu-je-po-novele-jednodussi\/"},"modified":"2022-08-26T11:51:01","modified_gmt":"2022-08-26T09:51:01","slug":"zbavit-se-dluhu-je-po-novele-jednodussi","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/cs\/zbavit-se-dluhu-je-po-novele-jednodussi\/","title":{"rendered":"Zbavit se dluh\u016f je po novele jednodu\u0161\u0161\u00ed"},"content":{"rendered":"\n

Exekuce zp\u016fsobuj\u00ed mnoha lidem probl\u00e9my v profesn\u00edm i osobn\u00edm \u017eivot\u011b. Znamenaj\u00ed velkou komplikaci p\u0159i n\u00e1vratu do „norm\u00e1ln\u00edho“ \u017eivota. Novela z\u00e1kona o konkurzu a restrukturalizaci, kter\u00e1 upravuje oddlu\u017een\u00ed fyzick\u00fdch osob, jim pom\u016f\u017ee p\u0159ekonat jejich t\u00ed\u017eivou \u017eivotn\u00ed situaci.<\/p>\n\n\n\n

Mezi \u010dast\u00e9 d\u016fvody vyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu pat\u0159\u00ed upadnut\u00ed do dluhov\u00e9 spir\u00e1ly, ze kter\u00e9 se nelze dostat. Po legislativn\u00ed zm\u011bn\u011b z\u00e1kona \u010d. 7\/2005 o konkurzu a restrukturalizaci 1. V b\u0159eznu 2017 se v\u0161ak osobn\u00ed bankrot stal mnohem dostupn\u011bj\u0161\u00ed mo\u017enost\u00ed pro \u0161irokou ve\u0159ejnost. <\/p>\n\n

Restart pro lidi<\/h2>\n\n

Osobn\u00edm bankrotem se rozum\u00ed pr\u00e1vn\u011b upraven\u00fd a \u0159\u00edzen\u00fd proces, b\u011bhem kter\u00e9ho se ka\u017ed\u00fd jednotlivec m\u016f\u017ee zbavit sv\u00fdch dluh\u016f. A to i bez nutnosti m\u00edt majetek nebo p\u0159\u00edjem. Pokud m\u00e1 dlu\u017en\u00edk majetek, mus\u00ed po\u010d\u00edtat s t\u00edm, \u017ee tento majetek (movit\u00fd i nemovit\u00fd) bude zpen\u011b\u017een. V\u00fdnosy z aktiva jsou n\u00e1sledn\u011b pou\u017eity k \u00fahrad\u011b jeho z\u00e1vazk\u016f. Existuj\u00ed jasn\u011b definovan\u00e9 podm\u00ednky, kter\u00e9 mus\u00ed takov\u00e1 osoba splnit, aby mohla tuto formu oddlu\u017een\u00ed podstoupit. <\/p>\n\n

„Pokud lidem zp\u0159\u00edstupn\u00edme bankrot, nebudou \u010delit tolika exekuc\u00edm. Mo\u017enost zbavit se dluh\u016f bude mo\u017en\u00e9 prost\u0159ednictv\u00edm konkurzu, p\u0159i\u010dem\u017e v\u011b\u0159itel\u00e9 budou uspokojeni z prodeje majetku. Sou\u010dasn\u011b bude dlu\u017en\u00edk chr\u00e1n\u011bn p\u0159ed ztr\u00e1tou obydl\u00ed. Dal\u0161\u00ed mo\u017enost\u00ed je spl\u00e1tkov\u00fd kalend\u00e1\u0159.“<\/p>

– b\u00fdval\u00e1 ministryn\u011b spravedlnosti Lucia \u017dit\u0148ansk\u00e1 <\/p><\/blockquote>\n\n

V\u011bnujte pozornost podm\u00ednk\u00e1m<\/h2>\n\n

Fyzick\u00e1 osoba m\u00e1 pr\u00e1vo podat n\u00e1vrh na oddlu\u017een\u00ed pouze v p\u0159\u00edpad\u011b, \u017ee je proti n\u00ed vedeno exeku\u010dn\u00ed nebo obdobn\u00e9 vykon\u00e1vac\u00ed \u0159\u00edzen\u00ed. Dlu\u017en\u00edk je pova\u017eov\u00e1n za insolventn\u00edho, pokud nen\u00ed schopen uhradit alespo\u0148 jeden pen\u011b\u017eit\u00fd z\u00e1vazek 180 dn\u00ed po jeho splatnosti. Pot\u00e9 je povinen tuto z\u00e1lohu vr\u00e1tit Centru pr\u00e1vn\u00ed pomoci v m\u011bs\u00ed\u010dn\u00edch spl\u00e1tk\u00e1ch ve lh\u016ft\u011b t\u0159\u00ed let ode dne jej\u00edho poskytnut\u00ed. Z\u00e1rove\u0148 mus\u00ed m\u00edt na \u00fazem\u00ed Slovensk\u00e9 republiky st\u0159edisko hlavn\u00edch z\u00e1jm\u016f, co\u017e m\u016f\u017ee prok\u00e1zat p\u0159\u00edslu\u0161n\u00fdmi d\u016fkazy. To znamen\u00e1, \u017ee mus\u00ed m\u00edt trval\u00e9 bydli\u0161t\u011b, rodinu, vztahy, majetek, ekonomick\u00e9 a soci\u00e1ln\u00ed vazby. <\/p>\n\n

„Dlu\u017en\u00edk z\u00edsk\u00e1 v\u011bt\u0161\u00ed ochranu a soudn\u00ed exekutor v\u011bt\u0161\u00ed odpov\u011bdnost za proveden\u00ed exekuce. Sou\u010dasn\u011b odleh\u010dujeme soud\u016fm od exeku\u010dn\u00ed agendy, co\u017e p\u0159isp\u011bje k lep\u0161\u00edmu p\u0159\u00edstupu ke spravedlnosti obecn\u011b. D\u00edky zm\u011bn\u00e1m v insolven\u010dn\u00edm z\u00e1kon\u011b zp\u0159\u00edstup\u0148ujeme oddlu\u017een\u00ed t\u011bm, kte\u0159\u00ed se vlastn\u00ed vinou nebo z jin\u00fdch d\u016fvod\u016f ocitli v dluhov\u00e9 pasti a nejsou schopni se z n\u00ed sami dostat. St\u00e1t pom\u016f\u017ee chud\u00fdm s n\u00e1klady na dluhy. V\u00fdrazn\u011b tak\u00e9 zvy\u0161ujeme ochranu proti \u00fapln\u00e9 ztr\u00e1t\u011b bydlen\u00ed.“<\/p>

– b\u00fdval\u00e1 ministryn\u011b spravedlnosti Lucia \u017dit\u0148ansk\u00e1<\/p><\/blockquote>\n\n

C\u00edlem osobn\u00edho bankrotu je zbavit se dluh\u016f. Podle n\u00e1vrhu se dlu\u017en\u00edk bude moci zbavit sv\u00fdch dluh\u016f tzv. konkurzy. P\u0159ed\u00e1 majetek ke zpen\u011b\u017een\u00ed a pot\u00e9 by m\u011bl soud do 15. dn\u016f na rozhodnut\u00ed o vyhl\u00e1\u0161en\u00ed \u00fapadku. T\u00edmto dnem je dlu\u017en\u00edk zbaven sv\u00fdch dluh\u016f a exeku\u010dn\u00ed \u0159\u00edzen\u00ed proti n\u011bmu je zastaveno. Pohled\u00e1vky se st\u00e1vaj\u00ed nedobytn\u00fdmi a nelze zah\u00e1jit nov\u00e9. Dlu\u017en\u00edk m\u016f\u017ee postupn\u011b za\u010d\u00edt v\u00e9st norm\u00e1ln\u00ed \u017eivot. Otev\u0159\u00edt si bankovn\u00ed \u00fa\u010det, pracovat beze strachu, \u017ee v\u00e1m budou v pr\u00e1ci strh\u00e1vat pen\u00edze. <\/p>\n","protected":false},"excerpt":{"rendered":"

Exekuce zp\u016fsobuj\u00ed mnoha lidem probl\u00e9my v profesn\u00edm i osobn\u00edm \u017eivot\u011b. Znamenaj\u00ed velkou komplikaci p\u0159i n\u00e1vratu do „norm\u00e1ln\u00edho“ \u017eivota. Novela z\u00e1kona o konkurzu a restrukturalizaci, kter\u00e1 upravuje oddlu\u017een\u00ed fyzick\u00fdch osob, jim pom\u016f\u017ee p\u0159ekonat jejich t\u00ed\u017eivou \u017eivotn\u00ed situaci.<\/p>\n","protected":false},"author":9,"featured_media":23742,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[220,223],"tags":[],"acf":{"facebookpost":"","popis_socialneho_obrazku":""},"yoast_head":"\nZbavit se dluh\u016f je po novele jednodu\u0161\u0161\u00ed - Atena blog<\/title>\n<meta name=\"description\" content=\"Exekuce zp\u016fsobuj\u00ed mnoha lidem mnoho probl\u00e9m\u016f. 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