{"id":28294,"date":"2019-11-21T09:48:45","date_gmt":"2019-11-21T08:48:45","guid":{"rendered":"https:\/\/atena.sk\/blog\/po-pakeitimo-atsikratyti-skolu-lengviau\/"},"modified":"2022-08-26T11:51:02","modified_gmt":"2022-08-26T09:51:02","slug":"po-pakeitimo-atsikratyti-skolu-lengviau","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/lt\/po-pakeitimo-atsikratyti-skolu-lengviau\/","title":{"rendered":"Po pakeitimo atsikratyti skol\u0173 lengviau"},"content":{"rendered":"\n

D\u0117l turto are\u0161to daugeliui \u017emoni\u0173 kyla problem\u0173 tiek profesiniame, tiek asmeniniame gyvenime. Jie rei\u0161kia didelius sunkumus gr\u012f\u017etant \u012f „normal\u0173” gyvenim\u0105. Fizini\u0173 asmen\u0173 bankroto ir restrukt\u016brizavimo \u012fstatymo, reglamentuojan\u010dio fizini\u0173 asmen\u0173 skol\u0173 ma\u017einim\u0105, pakeitimas pad\u0117s jiems \u012fveikti sunki\u0105 gyvenimo situacij\u0105.<\/p>\n\n\n\n

Viena i\u0161 da\u017eniausi\u0173 prie\u017eas\u010di\u0173, d\u0117l kuri\u0173 skelbiamas asmeninis bankrotas, yra \u012fsisukimas \u012f skol\u0173 spiral\u0119, i\u0161 kurios nepavyksta i\u0161bristi. Po to, kai buvo i\u0161 dalies pakeistas \u012estatymas Nr. 7\/2005 d\u0117l bankroto ir restrukt\u016brizavimo 1. Ta\u010diau 2017 m. kovo m\u0117n. asmens bankrotas tapo daug prieinamesne galimybe pla\u010diajai visuomenei. <\/p>\n\n

Restartas \u017emon\u0117ms<\/h2>\n\n

Asmens bankrotas – tai teisi\u0161kai reglamentuotas ir valdomas procesas, kurio metu bet kuris asmuo gali atsikratyti savo skol\u0173. Net ir neturint turto ar pajam\u0173. Jei skolininkas turi turto, jis turi atsi\u017evelgti \u012f tai, kad \u0161is turtas (tiek kilnojamasis, tiek nekilnojamasis) bus \u012fkainotas. V\u0117liau u\u017e turt\u0105 gautos pajamos naudojamos \u012fsipareigojimams padengti. Yra ai\u0161kiai apibr\u0117\u017etos s\u0105lygos, kurias toks asmuo turi atitikti, kad gal\u0117t\u0173 pasinaudoti \u0161ia skol\u0173 nura\u0161ymo forma. <\/p>\n\n

„Jei bankrot\u0105 padarysime prieinam\u0105 \u017emon\u0117ms, jie nesusidurs su tiek daug turto konfiskavimo atvej\u0173. Galimyb\u0117 atsikratyti skol\u0173 bus suteikta bankroto b\u016bdu, o kreditorius bus patenkintas i\u0161 parduoto turto. Kartu skolininkas bus apsaugotas nuo b\u016bsto praradimo. Kita galimyb\u0117 – gr\u0105\u017einimo planas.”<\/p>

– buvusi teisingumo ministr\u0117 Lucia \u017dit\u0148ansk\u00e1 <\/p><\/blockquote>\n\n

Atkreipkite d\u0117mes\u012f \u012f s\u0105lygas<\/h2>\n\n

Fizinis asmuo turi teis\u0119 pra\u0161yti atleisti j\u012f nuo skolos tik tuo atveju, jei jo at\u017evilgiu yra prad\u0117ta vykdymo ar pana\u0161i vykdymo proced\u016bra. Skolininkas laikomas nemokiu, kai jis negali sumok\u0117ti bent vienos pinigin\u0117s prievol\u0117s pra\u0117jus 180 dien\u0173 po jos \u012fvykdymo termino. V\u0117liau jis privalo gr\u0105\u017einti \u0161\u012f avans\u0105 Teisin\u0117s pagalbos centrui m\u0117nesin\u0117mis \u012fmokomis per trejus metus nuo jo suteikimo dienos. Tuo pat metu jos pagrindini\u0173 interes\u0173 centras turi b\u016bti Slovakijos Respublikos teritorijoje ir tai ji gali \u012frodyti atitinkamais \u012frodymais. Tai rei\u0161kia, kad jie turi tur\u0117ti nuolatin\u0119 gyvenam\u0105j\u0105 viet\u0105, \u0161eim\u0105, santykius, turtinius, ekonominius ir socialinius ry\u0161ius. <\/p>\n\n

„Skolininkui bus suteikta didesn\u0117 apsauga, o antstoliui – didesn\u0117 atsakomyb\u0117 u\u017e vykdomojo dokumento vykdym\u0105. Tuo pa\u010diu metu teismams palengviname vykdymo darbotvark\u0119, o tai prisid\u0117s prie geresni\u0173 galimybi\u0173 kreiptis \u012f teism\u0105 apskritai. Pakeitus bankroto \u012fstatym\u0105, palengviname skol\u0173 i\u0161ie\u0161kojim\u0105 tiems, kurie d\u0117l savo kalt\u0117s ar kit\u0173 prie\u017eas\u010di\u0173 atsid\u016br\u0117 skol\u0173 sp\u0105stuose ir negali patys i\u0161 j\u0173 i\u0161sivaduoti. Valstyb\u0117 pad\u0117s varg\u0161ams padengti skolos i\u0161laidas. Taip pat gerokai padidiname apsaug\u0105 nuo to, kad paskolos gav\u0117jai apskritai netekt\u0173 b\u016bsto.”<\/p>

– buvusi teisingumo ministr\u0117 Lucia \u017dit\u0148ansk\u00e1<\/p><\/blockquote>\n\n

Asmens bankroto tikslas – atsikratyti skol\u0173. Remiantis pasi\u016blymu, skolininkas gal\u0117s atsikratyti savo skol\u0173 pagal vadinam\u0105j\u012f. atrankos. Ji perduos turt\u0105, kad j\u012f b\u016bt\u0173 galima realizuoti, o tada teismas tur\u0117t\u0173 iki 15. dien\u0173 nuspr\u0119sti skelbti bankrot\u0105. T\u0105 dien\u0105 skolininkas atleid\u017eiamas nuo skol\u0173 ir vykdomoji byla jo at\u017evilgiu nutraukiama. Reikalavimai tampa neatgautini ir negalima prad\u0117ti nauj\u0173 reikalavim\u0173. Skolininkas palaipsniui gali prad\u0117ti gyventi \u012fprast\u0105 gyvenim\u0105. Atsidaryti banko s\u0105skait\u0105, dirbti nebijant, kad i\u0161 darbo bus i\u0161skai\u010diuojama. <\/p>\n","protected":false},"excerpt":{"rendered":"

D\u0117l turto are\u0161to daugeliui \u017emoni\u0173 kyla problem\u0173 tiek profesiniame, tiek asmeniniame gyvenime. Jie rei\u0161kia didelius sunkumus gr\u012f\u017etant \u012f „normal\u0173” gyvenim\u0105. Fizini\u0173 asmen\u0173 bankroto ir restrukt\u016brizavimo \u012fstatymo, reglamentuojan\u010dio fizini\u0173 asmen\u0173 skol\u0173 ma\u017einim\u0105, pakeitimas pad\u0117s jiems \u012fveikti sunki\u0105 gyvenimo situacij\u0105.<\/p>\n","protected":false},"author":9,"featured_media":23743,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[224,243],"tags":[],"acf":{"facebookpost":"","popis_socialneho_obrazku":""},"yoast_head":"\nPo pakeitimo atsikratyti skol\u0173 lengviau - At\u0117n\u0173 tinklara\u0161tis<\/title>\n<meta name=\"description\" content=\"Daugeliui \u017emoni\u0173 turto are\u0161tas sukelia daug problem\u0173. 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