{"id":28202,"date":"2019-11-26T15:42:48","date_gmt":"2019-11-26T14:42:48","guid":{"rendered":"https:\/\/atena.sk\/blog\/asmens-bankrotas-nauja-pradzia\/"},"modified":"2022-08-26T11:51:02","modified_gmt":"2022-08-26T09:51:02","slug":"asmens-bankrotas-nauja-pradzia","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/lt\/asmens-bankrotas-nauja-pradzia\/","title":{"rendered":"Asmens bankrotas – nauja prad\u017eia?"},"content":{"rendered":"\n

Siekdama suma\u017einti vis dar auk\u0161t\u0105 nedarbo lyg\u012f, valstija nuo 1. 2017 m. kovo m\u0117n. d\u0117l teis\u0117s akt\u0173, \u012ftvirtint\u0173 \u012estatyme Nr. 7\/2005 Sb. d\u0117l bankroto ir restrukt\u016brizavimo, nustat\u0117 naujas fizini\u0173 asmen\u0173 bankroto taisykles. Jos tikslas – suteikti antr\u0105 \u0161ans\u0105 tiems, kurie atsid\u016br\u0117 „skol\u0173 sp\u0105stuose” ir negali patys i\u0161 j\u0173 i\u0161tr\u016bkti. <\/p>\n\n\n\n

Finansinis ra\u0161tingumas ger\u0117ja, ta\u010diau vis dar pasitaiko, kad vien\u0105 paskol\u0105 gr\u0105\u017einame kita. Problema i\u0161kyla tada, kai \u012fmok\u0173 suma vir\u0161ija tre\u010ddal\u012f m\u016bs\u0173 pajam\u0173. Ta\u010diau praradus darb\u0105 arba susirgus liga, d\u0117l kurios ne\u012fmanoma atlikti darbo, taip pat kyla komplikacij\u0173. Asmens bankrotas yra vienas i\u0161 sprendim\u0173, kaip i\u0161sisukti i\u0161 nemalonios pad\u0117ties. <\/p>\n\n

Ar tikimasi ma\u017e\u0117jimo tendencijos? <\/h2>\n\n

2018 m., palyginti su ankstesniais metais, turto per\u0117mimo skai\u010dius smarkiai suma\u017e\u0117jo. Pagrindin\u0117 suma\u017e\u0117jimo prie\u017eastis – teis\u0117s akt\u0173 pakeitimai fizini\u0173 asmen\u0173 bankroto srityje. Pirm\u0105j\u012f \u0161i\u0173 met\u0173 ketvirt\u012f j\u0173 skai\u010dius siek\u0117 3 545, o tre\u010di\u0105j\u012f ketvirt\u012f – 4 782. Palyginti su pra\u0117jusi\u0173 met\u0173 tuo pa\u010diu laikotarpiu, 2019 m. tre\u010di\u0105j\u012f ketvirt\u012f bankrutavo 22,55 proc. daugiau skolinink\u0173. Ta\u010diau, palyginti su paskutiniu pra\u0117jusi\u0173 met\u0173 ketvir\u010diu, kai buvo paskelbta 3 600 fizini\u0173 asmen\u0173 bankrot\u0173, \u0161is rodiklis yra 1,53 proc. ma\u017eesnis. Tod\u0117l ir kitais metais galima tik\u0117tis ma\u017e\u0117jimo tendencijos. <\/p>\n\n

\"\"
PERSONALINI\u0172 BANKROT\u0172 skai\u010diaus poky\u010diai<\/strong> (\u0161altinis: CRIF<\/a>) <\/figcaption><\/figure><\/div>\n\n

„Per pirmuosius devynis \u0161i\u0173 met\u0173 m\u0117nesius paskelbti 12 665 fizini\u0173 asmen\u0173 bankrotai. Spalio m\u0117n. fizini\u0173 asmen\u0173 bankrot\u0173 skai\u010dius buvo didesnis nei per visus pra\u0117jusius metus, kai nuo 2019 m. sausio m\u0117n. buvo paskelbti 13 848 fizini\u0173 asmen\u0173 bankrotai. Apskritai bankroto parai\u0161kas taip pat teikia daugiau vyr\u0173 nei moter\u0173. Pagal am\u017ei\u0173 daugiausia yra keturiasde\u0161imtme\u010di\u0173, ta\u010diau 2019 m. kovo m\u0117n. 70-me\u010di\u0173 skolinink\u0173 am\u017eiaus grup\u0117je moter\u0173 buvo gerokai daugiau nei vyr\u0173.” <\/p>

– CRIF vyriausioji analitik\u0117 Jana Markov\u00e1 <\/p><\/blockquote>\n\n

\"\"
Vyr\u0173 ir moter\u0173 asmeniniai bankrotai pagal am\u017ei\u0173<\/strong> (\u0161altinis: CRIF<\/a>)<\/figcaption><\/figure><\/div>\n\n

Kol buvusi teisingumo ministr\u0117 Lucia \u017dit\u0148ansk\u00e1 nepateik\u0117 naujojo Bankroto ir restrukt\u016brizavimo \u012fstatymo, paprastam \u017emogui buvo beveik nepasiekiama asmeninio bankroto galimyb\u0117. Prie\u0161 \u012fsigaliojant pakeitimui, nebuvo joki\u0173 reali\u0173 statistini\u0173 duomen\u0173, pagal kuriuos b\u016bt\u0173 galima numatyti, koks bus susidom\u0117jimas. Ta\u010diau \u0161iuo metu bet kuris fizinis asmuo be i\u0161imties gali pra\u0161yti atleisti nuo skol\u0173. Skolos panaikinimas \u012fvyksta \u012fsiteis\u0117jus nutar\u010diai d\u0117l bankroto paskelbimo arba nutar\u010diai d\u0117l skolos gr\u0105\u017einimo plano nustatymo, kuria teismas atleid\u017eia skolinink\u0105 nuo skolos. <\/p>\n\n

Taip pat tampa lengviau<\/h2>\n\n

Kiekvienas nemokus skolininkas, kuris yra fizinis asmuo, nepriklausomai nuo to, ar jis yra verslininkas, ar ne, turi teis\u0119 pra\u0161yti atleisti j\u012f nuo skol\u0173 bankroto arba gr\u0105\u017einimo plano pagalba. S \n skol\u0173 i\u0161ie\u0161kojimo bendrov\u0117<\/a>\n<\/strong> N\u0117ra melaging\u0173 pa\u017ead\u0173, bet galite pasikliauti pa\u017ead\u0117tu rezultatu. Skolininkas telefonu arba asmeni\u0161kai kreipiasi \u012f atitinkam\u0105 \u012fstaig\u0105, kad su\u017einot\u0173 apie skol\u0173 panaikinimo galimybes. Iki 24 d. valand\u0173 susisiekiama telefonu ir susitariama d\u0117l susitikimo artimiausiame skol\u0173 specialisto biure.<\/p>\n\n

Klientas supa\u017eindinamas su visa jo skolos proced\u016bra. Jis sudaro su specialistu u\u017esakym\u0105 d\u0117l jo finansin\u0117s ir turtin\u0117s pad\u0117ties \u012fvertinimo, siekiant nustatyti, ar jis atitinka visus teis\u0117s aktuose nustatytus reikalavimus. Tada per 7 dienas parengiamas \u012fvertinimas ir pasi\u016blymas d\u0117l sprendimo. J\u012f perdavus klientui garantuojamas teismo patvirtintas asmens bankrotas. Tuo pa\u010diu metu jis gaus u\u017epildyt\u0105 pra\u0161ym\u0105 d\u0117l fizinio asmens bankroto su visais priedais. Pasira\u0161yta parai\u0161ka kliento vardu siun\u010diama Teisin\u0117s pagalbos centrui. Per vis\u0105 skol\u0173 nura\u0161ymo proces\u0105 klientas stebimas tol, kol skolos visi\u0161kai panaikinamos. <\/p>\n\n

Skolos vargina net teisininkus<\/h2>\n\n

Mintis, kad paskolas ima tik finansi\u0161kai nera\u0161tingi \u017emon\u0117s, yra klaidinga. Tarp klient\u0173, be kita ko, yra buvusi\u0173 s\u0117kming\u0173 verslinink\u0173, net advokat\u0173, bankroto administratori\u0173 ir bir\u017eos makleri\u0173. Taip pat da\u017enai pasitaiko antrinio nemokumo atvej\u0173. Prekybininkai nepaj\u0117gia gr\u0105\u017einti skol\u0173 draudimo bendrov\u0117ms, tod\u0117l \u0117m\u0117 paskolas, kuri\u0173 nepaj\u0117gia gr\u0105\u017einti. <\/p>\n\n

„Asmens bankrot\u0105 da\u017eniausiai lemia didel\u0117s skolos, kai asmuo neteisingai \u012fvertina savo galimybes gr\u0105\u017einti skol\u0105 arba kai klest\u0117jimo laikais ima per daug paskol\u0173. Kita prie\u017eastis yra ta, kad skolininkas neturi santaup\u0173, kurias gal\u0117t\u0173 panaudoti skoloms gr\u0105\u017einti, jei jo pajamos suma\u017e\u0117t\u0173 arba b\u016bt\u0173 ma\u017eesn\u0117s. Ir galiausiai, bet ne ma\u017eiau svarbu, kad d\u0117l pajam\u0173 suma\u017e\u0117jimo, pavyzd\u017eiui, d\u0117l ilgalaikio nedarbo ar sveikatos problem\u0173, asmuo gali bankrutuoti.”<\/p>

– Postova banka analitik\u0117, Jana Glasov\u00e1 <\/p><\/blockquote>\n\n

Senas vykdymo procesas gali b\u016bti nutrauktas, jei skolininkas arba kreditorius nustojo egzistuoti ir neturi teisi\u0173 per\u0117m\u0117jo, o vykdymo procesas buvo prad\u0117tas iki 1. 2017 m. baland\u017eio m\u0117n. Tai, ar kreditorius yra fizinis asmuo, \u012fmon\u0117, ar valstyb\u0117, neturi lemiamos reik\u0161m\u0117s seno vykdymo nutraukimui. Ji taip pat gali b\u016bti nutraukta kreditoriaus pra\u0161ymu. Kartu jis privalo sumok\u0117ti tik fiksuotas antstolio i\u0161laidas, susijusias su senojo vykdymo nutraukimu. <\/p>\n\n

Ar bus \u012fgyvendintas \u012fstatym\u0173 leid\u0117jo ketinimas suteikti skolininkams galimyb\u0119 atsikratyti skol\u0173 ir taip motyvuoti juos gyventi tvarking\u0105 gyvenim\u0105, parodys tik bankroto byl\u0105 nagrin\u0117jan\u010di\u0173 teism\u0173 taikymo praktika, kaip jie vertins atskirus pasi\u016blymus, taip pat skolinink\u0173 aktyvumas.<\/p>\n","protected":false},"excerpt":{"rendered":"

Siekdama suma\u017einti vis dar auk\u0161t\u0105 nedarbo lyg\u012f, valstija nuo 1. 2017 m. kovo m\u0117n. d\u0117l teis\u0117s akt\u0173, \u012ftvirtint\u0173 \u012estatyme Nr. 7\/2005 Sb. d\u0117l bankroto ir restrukt\u016brizavimo, nustat\u0117 naujas fizini\u0173 asmen\u0173 bankroto taisykles. Jos tikslas – suteikti antr\u0105 \u0161ans\u0105 tiems, kurie atsid\u016br\u0117 „skol\u0173 sp\u0105stuose” ir negali patys i\u0161 j\u0173 i\u0161tr\u016bkti.<\/p>\n","protected":false},"author":9,"featured_media":23791,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[256,258],"tags":[],"acf":{"facebookpost":"","popis_socialneho_obrazku":""},"yoast_head":"\nAsmens bankrotas - nauja prad\u017eia? - At\u0117n\u0173 tinklara\u0161tis<\/title>\n<meta name=\"description\" content=\"Asmens bankroto tikslas - suteikti antr\u0105 galimyb\u0119 tiems, kurie atsid\u016br\u0117 "skol\u0173 sp\u0105stuose" ir negali patys i\u0161 j\u0173 i\u0161sivaduoti. 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