{"id":175787,"date":"2023-05-02T16:34:40","date_gmt":"2023-05-02T14:34:40","guid":{"rendered":"https:\/\/atena.sk\/blog\/darbo-uzmokescio-arestas-arba-isieskojimas-is-turto-ar-bankroto-paskelbimas-yra-iseitis\/"},"modified":"2023-05-03T09:04:26","modified_gmt":"2023-05-03T07:04:26","slug":"darbo-uzmokescio-arestas-arba-isieskojimas-is-turto-ar-bankroto-paskelbimas-yra-iseitis","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/lt\/darbo-uzmokescio-arestas-arba-isieskojimas-is-turto-ar-bankroto-paskelbimas-yra-iseitis\/","title":{"rendered":"Darbo u\u017emokes\u010dio are\u0161tas arba i\u0161ie\u0161kojimas i\u0161 turto: ar bankroto paskelbimas yra i\u0161eitis?"},"content":{"rendered":"\n

Thomas Jeffersonas kart\u0105 pasak\u0117: Jeffersonas sak\u0117:„Niekada nei\u0161leiskite pinig\u0173, kol j\u0173 neturite<\/em>.” Nors tai geras patarimas, turime prisiminti, kad jis gim\u0117 XVIII am\u017eiuje. \u0161imtme\u010dius. Tada niekam nereik\u0117jo 30 met\u0173 mok\u0117jimo plano, kad nusipirkt\u0173 nam\u0105. Automobili\u0173 nebuvo, o kiekvienas dirbantis \u017emogus gal\u0117jo sau leisti apsir\u016bpinti b\u016btiniausiais daiktais. Nuo to laiko pa\u017eanga padaryta beveik visomis kryptimis. Ta\u010diau, kalbant apie finansus, ne visiems sekasi taip gerai. Tod\u0117l daugeliui \u017emoni\u0173 tenka kreiptis pagalbos \u012f bankus<\/strong> ar kitas finans\u0173 \u012fstaigas. Nesvarbu, ar tai hipoteka, ar tiesiog kelis m\u0117nesius v\u0117luojate apmok\u0117ti s\u0105skaitas, paskolos \u0117mimas tapo labai da\u017enu ir da\u017enai b\u016btinu \u017eingsniu. Ta\u010diau problemos prasideda, kai tik negalite mok\u0117ti \u012fmok\u0173<\/strong>. <\/p>\n\n\n\n

Kas nutinka, kai asmuo nustoja mok\u0117ti hipotekos paskol\u0105? <\/h2>\n\n

Kai asmuo nustoja mok\u0117ti hipotekos ar paskolos \u012fmokas, i\u0161 jo pradedamas priverstinis i\u0161ie\u0161kojimas. Priverstinio i\u0161ie\u0161kojimo atveju tai yra teisinis procesas, kuris vykdomas, kai skolininkas nesugeba sumok\u0117ti nustatyt\u0173 \u012fmok\u0173. D\u0117l to nekilnojamasis turtas ar kitas turtas atitenka kreditoriaus (paprastai banko) nuosavyb\u0117n. Paprastai turto at\u0117mimas i\u0161 skolininko yra paskutin\u0117 priemon\u0117 skolintojams susigr\u0105\u017einti savo investicijas po to, kai skolininkas kelis m\u0117nesius negr\u0105\u017eina hipotekos paskolos. <\/p>\n\n

Kaip i\u0161vengti i\u0161ie\u0161kojimo i\u0161 turto?<\/h2>\n\n

Jei neb\u016bsite atviri su skolintoju, tai jums niekuo nepad\u0117s. Pirmiausia, jei turite problem\u0173 mok\u0117dami hipotekos paskol\u0105, tur\u0117tum\u0117te kuo grei\u010diau susisiekti su <\/strong>banku ir aptarti savo situacij\u0105. Daugeliu atvej\u0173 banko darbuotojai yra pasireng\u0119 bendradarbiauti su jumis ir pakeisti hipotekos \u012fmokas, prat\u0119sti paskolos termin\u0105 arba suteikti galimyb\u0119 atid\u0117ti mok\u0117jimus. <\/p>\n\n

Jei nebegalite gr\u0105\u017einti paskol\u0173, apsvarstykite skol\u0173 ma\u017einimo<\/strong> galimybes, pvz., konsolidacij\u0105 arba skol\u0173 valdym\u0105. \u0160ios galimyb\u0117s pad\u0117s jums sumok\u0117ti skol\u0105 vienu priimtinu mok\u0117jimu, suma\u017eins pal\u016bkan\u0173 normas ir pad\u0117s i\u0161vengti i\u0161ie\u0161kojimo i\u0161 \u012fkeisto turto. <\/p>\n\n

Taip pat gali b\u016bti labai naudinga bendradarbiauti su kvalifikuotu<\/strong> turto per\u0117mimo prevencijos patar\u0117ju<\/strong>. Jis gali pad\u0117ti jums der\u0117tis su kreditoriais ir i\u0161nagrin\u0117ti visas galimas galimybes. Visoje ES teikiamos \u012fvairios nemokamos turto per\u0117mimo prevencijos paslaugos. Arba jie pra\u0161o tik minimali\u0173 tarif\u0173. Kuo grei\u010diau imsit\u0117s nustatyt\u0173 veiksm\u0173, tuo geriau. <\/p>\n\n

Kokios yra asmenin\u0117s paskolos negr\u0105\u017einimo pasekm\u0117s?<\/h2>\n\n

Asmenin\u0117s paskolos yra dar viena skolos r\u016b\u0161is, kuri gali kelti finansin\u012f stres\u0105. Tai operacija, kai kreditorius (finans\u0173 \u012fstaiga) skolininkui paskolina pinig\u0173 sum\u0105, kuri turi b\u016bti gr\u0105\u017einta su pal\u016bkanomis. Ta\u010diau ji neturi nieko garantuoti, tod\u0117l yra prieinamesn\u0117. Nors d\u0117l asmenini\u0173 paskol\u0173 are\u0161to ar turto per\u0117mimo negali b\u016bti i\u0161ie\u0161koma, j\u0173 negr\u0105\u017einimas gali tur\u0117ti rimt\u0173 finansini\u0173 pasekmi\u0173, pavyzd\u017eiui, gali b\u016bti are\u0161tuotas<\/strong> darbo u\u017emokestis, i\u0161kelta byla ir, galiausiai, gali b\u016bti pakenkta reputacijai. <\/p>\n\n

Kaip i\u0161vengti teisi\u0173 at\u0117mimo ir atlyginim\u0173 \u012f\u0161aldymo?<\/h2>\n\n

Kalbant apie asmenines paskolas, geriausias b\u016bdas i\u0161vengti negal\u0117jimo j\u0173 gr\u0105\u017einti – prie\u0161 teikiant parai\u0161k\u0105 atid\u017eiai apsvarstyti savo galimybes <\/strong>jas gr\u0105\u017einti <\/strong>. Tai rei\u0161kia, kad pirmiausia turite \u012fvertinti savo dabartin\u0119 finansin\u0119 pad\u0117t\u012f, sudaryti biud\u017eet\u0105 ir nustatyti, ar galite sau leisti mok\u0117ti m\u0117nesines paskolos \u012fmokas. <\/p>\n\n

Jei v\u0117luojate gr\u0105\u017einti paskol\u0105, kuo grei\u010diau kreipkit\u0117s \u012f skolintoj\u0105 ir aptarkite savo pad\u0117t\u012f. Kreditoriai gali b\u016bti pasireng\u0119 bendradarbiauti su jumis ir pakeisti paskolos s\u0105lygas, prat\u0119sti paskolos termin\u0105 arba suteikti galimyb\u0119 atid\u0117ti paskolos gr\u0105\u017einim\u0105. Svarbu bendrauti su kreditoriumi ir nuolat informuoti j\u012f apie savo pad\u0117t\u012f, kad negal\u0117tum\u0117te ir nenutrauktum\u0117te paskolos gr\u0105\u017einimo. <\/p>\n\n

Jei turite daug paskol\u0173 ar kit\u0173 skol\u0173, apsvarstykite skol\u0173 ma\u017einimo<\/strong> galimybes, pvz., konsolidacij\u0105 ar skol\u0173 valdym\u0105. \u0160ios galimyb\u0117s gali pad\u0117ti konsoliduoti skolas \u012f vien\u0105 lengvai gr\u0105\u017einam\u0105 \u012fmok\u0105, suma\u017einti pal\u016bkan\u0173 normas ir i\u0161vengti situacijos, kai nustojate mok\u0117ti paskol\u0105.<\/p>\n\n

\u017dinokite savo teises<\/h2>\n\n

Jei gaunate prane\u0161im\u0105 i\u0161 skol\u0173 i\u0161ie\u0161kojimo bendrov\u0117s ar skol\u0173 i\u0161ie\u0161kojimo \u012fmon\u0117s d\u0117l asmenini\u0173 paskol\u0173, nedelsdami atsakykite ir patikrinkite skol\u0105. Skol\u0173 i\u0161ie\u0161kojimo agent\u016bros privalo pateikti \u012frodymus apie i\u0161ie\u0161kom\u0105 skol\u0105, tod\u0117l svarbu, kad jos patikrint\u0173, ar skola i\u0161 tikr\u0173j\u0173 yra j\u016bs\u0173 ir ar skol\u0173 i\u0161ie\u0161kojimo \u012fmon\u0117 turi teis\u0119 j\u0105 i\u0161ie\u0161koti. Be to, \u017einokite savo teises pagal Europos S\u0105jungos skol\u0173 i\u0161ie\u0161kojimo reglamentus ir, jei reikia, kreipkit\u0117s teisin\u0117s konsultacijos, kad apsaugotum\u0117te savo teises ir i\u0161vengtum\u0117te nes\u0105\u017einingos skol\u0173 i\u0161ie\u0161kojimo praktikos. <\/p>\n\n

Asmens bankrotas <\/h2>\n\n

Asmens bankrotas yra teisin\u0117 proced\u016bra, leid\u017eianti asmenims atsikratyti skol\u0173 ir prad\u0117ti visk\u0105 i\u0161 naujo. Gali atrodyti, kad skelbti bankrot\u0105 yra viliojanti id\u0117ja. Ta\u010diau tai drasti\u0161ka <\/strong>priemon\u0117, kuri\u0105 reik\u0117t\u0173 apsvarstyti ir \u012fgyvendinti tik tada, kai i\u0161naudotos visos kitos galimyb\u0117s <\/strong>atsikratyti skol\u0173. Paskelbti asmenin\u012f bankrot\u0105 yra ne tik sud\u0117tinga ir u\u017eima daug laiko. \u017dengus \u0161\u012f \u017eingsn\u012f taip pat suma\u017e\u0117s j\u016bs\u0173 kreditas, jis bus visam laikui \u012fra\u0161ytas \u012f j\u016bs\u0173 duomenis ir, svarbiausia, galite b\u016bti priverstas atsisakyti dalies arba viso savo turto. Tai gali b\u016bti bet koks asmeninis turtas<\/strong>, investicijos<\/strong> ir net j\u016bs\u0173 namas<\/strong>. <\/p>\n\n

\"\"<\/a><\/figure>\n\n

Dirbu \n At\u0117nuose<\/mark>\n<\/a>. Ar galite man pad\u0117ti i\u0161vengti darbo u\u017emokes\u010dio are\u0161to?<\/h2>\n\n

Bendrov\u0117je Atena<\/mark> <\/a>tikime atvirumu ir mielai su jumis aptarsime visas galimybes. Kad ir kokia b\u016bt\u0173 problema, mes padarysime visk\u0105, kas nuo m\u016bs\u0173 priklauso, kad pad\u0117tume jums j\u0105 i\u0161spr\u0119sti. \u017dinoma, negalime pakeisti teismo nutarties ar panaikinti j\u016bs\u0173 skol\u0173. Ta\u010diau, atsi\u017evelgdami \u012f konkre\u010di\u0105 situacij\u0105, kurioje esate, grei\u010diausiai galime rasti ideal\u0173 ir<\/strong> jums tinkam\u0105 sprendim\u0105<\/strong>. Tinklalapiui <\/strong>15<\/strong> veiklos met\u0173<\/mark> <\/a>rinkoje susid\u016br\u0117me su daugybe kli\u016b\u010di\u0173. Ma\u017eai tik\u0117tina, kad niekada nesame susid\u016br\u0119 su pana\u0161ia \u012f j\u016bs\u0173 situacija.<\/p>\n","protected":false},"excerpt":{"rendered":"

Su\u017einokite apie hipotekos ar paskolos negr\u0105\u017einimo pasekmes, \u012fskaitant turto are\u0161t\u0105. Su\u017einokite, kaip i\u0161vengti toki\u0173 situacij\u0173. Su\u017einokite savo teises ir gaukite patarim\u0173, kaip \u012fveikti finansines problemas ir apsaugoti savo turt\u0105.<\/p>\n","protected":false},"author":20,"featured_media":175651,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[224,243],"tags":[],"acf":{"facebookpost":"Vos tik pavyko stabilizuoti finansin\u0119 pad\u0117t\u012f po Covid-19 pandemijos, beveik visko kainos \u0117m\u0117 kilti. ? Koki\u0173 galimybi\u0173 turime, jei d\u0117l \u0161ios situacijos nebegalime \u012fpirkti paskolos ar hipotekos? Ar bankrotas yra i\u0161eitis, ar blogiausias \u012fmanomas sprendimas? ","popis_socialneho_obrazku":"Kaip i\u0161vengti i\u0161ie\u0161kojimo i\u0161 turto?"},"yoast_head":"\nDarbo u\u017emokes\u010dio are\u0161tas arba i\u0161ie\u0161kojimas i\u0161 turto: ar bankroto paskelbimas yra i\u0161eitis? - At\u0117n\u0173 tinklara\u0161tis<\/title>\n<meta name=\"description\" content=\"Are\u0161tas ir darbo u\u017emokes\u010dio i\u0161ie\u0161kojimas yra skol\u0173 nemok\u0117jimo rezultatas. Ta\u010diau tai nerei\u0161kia pasaulio pabaigos ir \u0161ias problemas galima i\u0161spr\u0119sti.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/atena.sk\/blog\/lt\/darbo-uzmokescio-arestas-arba-isieskojimas-is-turto-ar-bankroto-paskelbimas-yra-iseitis\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Darbo u\u017emokes\u010dio are\u0161tas arba i\u0161ie\u0161kojimas i\u0161 turto: ar bankroto paskelbimas yra i\u0161eitis? - At\u0117n\u0173 tinklara\u0161tis\" \/>\n<meta property=\"og:description\" content=\"Gyvename laikais, kai d\u0117l vienoki\u0173 ar kitoki\u0173 prie\u017eas\u010di\u0173 \u017emogui sunku i\u0161vengti hipotekos ar asmenin\u0117s paskolos. 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