{"id":28290,"date":"2019-11-26T15:42:48","date_gmt":"2019-11-26T14:42:48","guid":{"rendered":"https:\/\/atena.sk\/blog\/osobnim-bankrotom-do-novog-pocetka\/"},"modified":"2022-08-26T11:51:02","modified_gmt":"2022-08-26T09:51:02","slug":"osobnim-bankrotom-do-novog-pocetka","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/hr\/osobnim-bankrotom-do-novog-pocetka\/","title":{"rendered":"Osobnim bankrotom do novog po\u010detka?"},"content":{"rendered":"\n<p>U nastojanju da smanji jo\u0161 uvijek visoku nezaposlenost, dr\u017eava od 1. o\u017eujka 2017., zahvaljuju\u0107i zakonodavstvu sadr\u017eanom u Zakonu br. 7\/2005 Coll. o ste\u010daju i restrukturiranju, uvela nova pravila osobnog ste\u010daja. Njegov cilj je pru\u017eiti drugu priliku onima koji su se na\u0161li u \u201edu\u017eni\u010dkoj zamci\u201c i sami se iz nje ne mogu izvu\u0107i. <\/p>\n\n<!--more-->\n\n<p>Financijska pismenost je sve bolja, ali i dalje se doga\u0111a da jedan kredit vra\u0107amo drugom. Problem nastaje ako iznos rata prema\u0161uje tre\u0107inu na\u0161ih prihoda. No, komplikacije donosi i gubitak posla ili bolest koja onemogu\u0107uje rad. Osobni bankrot jedno je od rje\u0161enja za izlazak iz neugodne situacije. <\/p>\n\n<h2 class=\"wp-block-heading\">O\u010dekuje se trend pada? <\/h2>\n\n<p>Broj ovrha naglo se smanjio u 2018. u odnosu na prethodne godine. Glavni razlog smanjenja su zakonske izmjene u osobnim ste\u010dajevima. U prvom tromjese\u010dju ove godine njihov broj dosegao je 3.545, au tre\u0107em tromjese\u010dju \u010dak 4.782. U me\u0111ugodi\u0161njoj usporedbi, u tre\u0107em kvartalu 2019. u ste\u010daj je oti\u0161lo 22,55 posto vi\u0161e du\u017enika nego u istom razdoblju pro\u0161le godine. No, u odnosu na zadnji kvartal pro\u0161le godine s 3.600 osobnih ste\u010dajeva, to je 1,53 posto manje. Stoga se iu idu\u0107oj godini mo\u017ee o\u010dekivati trend pada. <\/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 OSOBNIH 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 osobnih ste\u010dajeva. U listopadu je njihov broj od sije\u010dnja 2019. ve\u0107i nego u cijeloj pro\u0161loj godini u kojoj je progla\u0161eno 13.848 osobnih ste\u010dajeva. Tako\u0111er je op\u0107enito istina da vi\u0161e mu\u0161karaca bankrotira nego \u017eena. Gledano po godinama, najzastupljenije su osobe u \u010detrdesetima, no u o\u017eujku 2019. u dobnoj skupini 70-godi\u0161njih korisnika kredita bilo je znatno vi\u0161e \u017eena nego mu\u0161karaca. <\/p><p>&#8211; Glavna analiti\u010darka 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>OSOBNI BANKROTI MU\u0160KARACA I \u017dENA PREMA<\/strong> DOBNOSTI (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 pravosu\u0111a Lucia \u017dit\u0148ansk\u00e1 osmislila novi zakon o ste\u010daju i restrukturiranju, mogu\u0107nost osobnog bankrota bila je gotovo nedosti\u017ena za obi\u010dne ljude. Prije nego \u0161to je ovaj amandman stupio na snagu, nije bilo prave statistike koja bi se mogla koristiti za predvi\u0111anje interesa za njega. Trenuta\u010dno, me\u0111utim, svaka fizi\u010dka osoba mo\u017ee podnijeti zahtjev za otpust duga bez iznimke. Otpust duga nastupa u trenutku stupanja na snagu rje\u0161enja o progla\u0161enju ste\u010daja ili rje\u0161enja o utvr\u0111ivanju plana pla\u0107anja, kojim sud osloba\u0111a du\u017enika. <\/p>\n\n<h2 class=\"wp-block-heading\">Jo\u0161 je lak\u0161e<\/h2>\n\n<p>Svaki insolventni du\u017enik fizi\u010dka osoba, poduzetnik ili nepoduzetnik, ima pravo zahtijevati namirenje svojih dugova ste\u010dajem ili obro\u010dno. S <strong><a href=\"https:\/\/bonato.sk\/\">tvrtkom za otpust dugova<\/a><\/strong> nema la\u017enih obe\u0107anja, ali se mo\u017eete osloniti na obe\u0107ani rezultat. Zajmoprimac kontaktira nadle\u017eni ured telefonom ili osobno, gdje se upoznaje s mogu\u0107nostima otpisa duga. Sve do 24 sati kontaktira se telefonom i dogovara se termin u najbli\u017eem uredu stru\u010dnjaka za otpis duga.<\/p>\n\n<p>Klijentu se prezentira cijeli postupak razdu\u017eivanja. Kod specijaliste naru\u010duje Procjenu svog imovinskog stanja i utvr\u0111uje ispunjava li sve zakonom utvr\u0111ene uvjete. Naknadno se u roku od 7 dana izra\u0111uje Ocjena i prijedlog rje\u0161enja. Nakon predaje, klijentu je zajam\u010den osobni bankrot koji je odobrio sud. Ujedno \u0107e dobiti i ispunjenu Zahtjev za osobni bankrot sa svim prilozima. Potpisani zahtjev se u ime stranke \u0161alje Centru za pravnu pomo\u0107. Tijekom cijelog procesa razdu\u017eivanja klijent se prati do potpunog osloba\u0111anja duga. <\/p>\n\n<h2 class=\"wp-block-heading\">Odvjetnike mu\u010de i dugovi<\/h2>\n\n<p>Pogre\u0161na je ideja da su me\u0111u du\u017enicima samo financijski nepismeni ljudi. Klijenti su, izme\u0111u ostalih, biv\u0161i uspje\u0161ni poduzetnici, pa \u010dak i odvjetnici, ste\u010dajni upravitelji ili burzovni posrednici. \u010cesti su i slu\u010dajevi sekundarne insolventnosti. Poduzetnici ne mogu vra\u0107ati dugove prema osiguravaju\u0107im dru\u0161tvima pa su se zadu\u017eivali koje nisu mogli vra\u0107ati. <\/p>\n\n<blockquote class=\"wp-block-quote\"><p>&#8220;Razlog osobnog bankrota uglavnom je velika zadu\u017eenost, kada je osoba krivo procijenila svoje mogu\u0107nosti otplate ili se previ\u0161e zadu\u017eila u vrijeme prosperiteta. Drugi razlog je \u0161to du\u017enik nema u\u0161te\u0111evinu kojom bi mogao vratiti dugove u slu\u010daju gubitka ili smanjenja I na kraju, ali ne manje va\u017eno, gubitak prihoda uzrokovan, na primjer, dugotrajnom nezaposleno\u0161\u0107u ili zdravstvenim problemima, tako\u0111er mo\u017ee osobu dovesti do bankrota.&#8221;<\/p><p>&#8211; Analiti\u010darka Po\u0161tov\u00e1 banke, Jana Glasov\u00e1 <br\/><\/p><\/blockquote>\n\n<p>Do obustave stare ovrhe mo\u017ee do\u0107i ako je du\u017enik, odnosno vjerovnik prestao postojati bez pravnog sljednika, a ovrha je zapo\u010deta prije 1. travnja 2017. Kod raskida stare ovrhe nije presudno je li vjerovnik fizi\u010dka osoba, tvrtka ili dr\u017eava. Njegovo obustavljanje mo\u017ee se provesti i na prijedlog vjerovnika. Istodobno, u svezi obustave stare ovrhe, potonji je du\u017ean platiti samo pau\u0161alne tro\u0161kove ovrhovoditelja. <\/p>\n\n<p>Ho\u0107e li se uspjeti ostvariti namjera zakonodavca da se du\u017enicima omogu\u0107i da se oslobode dugova i time ih motivira na pristojan \u017eivot, tek \u0107e primjena prakse ste\u010dajnih sudova pokazati kako \u0107e oni 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 od 1. o\u017eujka 2017., zahvaljuju\u0107i zakonodavstvu sadr\u017eanom u Zakonu br. 7\/2005 Coll. o ste\u010daju i restrukturiranju, uvela nova pravila osobnog ste\u010daja. Njegov cilj je pru\u017eiti drugu priliku onima koji su se na\u0161li u \u201edu\u017eni\u010dkoj zamci\u201c i sami se iz nje ne mogu izvu\u0107i.<\/p>\n","protected":false},"author":9,"featured_media":8841,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[152,175],"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>Osobnim bankrotom do novog po\u010detka? - Atena blog<\/title>\n<meta name=\"description\" content=\"Cilj osobnog bankrota je dati drugu priliku onima koji su se na\u0161li u \u201edu\u017eni\u010dkoj zamci\u201c i sami se iz nje ne mogu izvu\u0107i. 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