{"id":175578,"date":"2023-05-02T16:34:40","date_gmt":"2023-05-02T14:34:40","guid":{"rendered":"https:\/\/atena.sk\/blog\/?p=175578"},"modified":"2023-05-02T16:34:50","modified_gmt":"2023-05-02T14:34:50","slug":"zrazky-zo-mzdy-alebo-exekucia-je-odpovedou-vyhlasenie-bankrotu","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/zrazky-zo-mzdy-alebo-exekucia-je-odpovedou-vyhlasenie-bankrotu\/","title":{"rendered":"Zr\u00e1\u017eky zo mzdy alebo exek\u00facia: je odpove\u010fou vyhl\u00e1senie bankrotu?"},"content":{"rendered":"\n

Thomas Jefferson raz povedal: „Nikdy nem\u00ed\u0148ajte peniaze sk\u00f4r, ako ich m\u00e1te<\/em>.“ Aj ke\u010f je to dobr\u00e1 rada, mus\u00edme si uvedomi\u0165, \u017ee sa narodil v 18. storo\u010d\u00ed. Nikto vtedy nepotreboval na k\u00fapu domu spl\u00e1tkov\u00fd kalend\u00e1r na 30 rokov. Aut\u00e1 neexistovali a ka\u017ed\u00fd \u010dlovek, ktor\u00fd mal pr\u00e1cu, si mohol dovoli\u0165 zabezpe\u010di\u0165 z\u00e1kladn\u00e9 potreby. Od t\u00fdch \u010dias nastal pokrok takmer vo v\u0161etk\u00fdch smeroch. Ale pokia\u013e ide o financie, nie ka\u017ed\u00fd je na tom tak dobre. Preto sa mnoh\u00ed \u013eudia musia obr\u00e1ti\u0165 na banky<\/strong> alebo in\u00e9 finan\u010dn\u00e9 in\u0161tit\u00facie, aby im pomohli. \u010ci u\u017e ide o hypot\u00e9ku, alebo ste jednoducho nieko\u013eko mesiacov pozadu s platen\u00edm \u00fa\u010dtov, vzia\u0165 si p\u00f4\u017ei\u010dku sa stalo \u00faplne be\u017en\u00fdm a \u010dasto nevyhnutn\u00fdm krokom. Probl\u00e9my sa v\u0161ak za\u010d\u00ednaj\u00fa, akon\u00e1hle nedok\u00e1\u017eete spl\u00e1ca\u0165<\/strong> spl\u00e1tky. <\/p>\n\n\n\n\n\n\n\n

\u010co sa stane, ke\u010f \u010dlovek prestane spl\u00e1ca\u0165 hypot\u00e9ku? <\/h2>\n\n\n\n

Akon\u00e1hle dan\u00e1 osoba prestane spl\u00e1ca\u0165 hypot\u00e9ku alebo \u00faver, je na \u0148u uvalen\u00e1 exek\u00facia. V pr\u00edpade exek\u00facie ide o pr\u00e1vny proces, ktor\u00fd nast\u00e1va, ke\u010f dl\u017en\u00edk nespl\u00e1ca ur\u010den\u00e9 spl\u00e1tky. To vedie k tomu, \u017ee nehnute\u013enos\u0165 alebo in\u00e9 majetky pripadn\u00fa do vlastn\u00edctva verite\u013eovi (v\u00e4\u010d\u0161inou je to banka). Obvykle je exek\u00facia poslednou mo\u017enos\u0165ou, ako m\u00f4\u017eu veritelia z\u00edska\u0165 sp\u00e4\u0165 svoje invest\u00edcie po tom, \u010do dl\u017en\u00edk nieko\u013eko mesiacov nespl\u00e1cal hypot\u00e9ku. <\/p>\n\n\n\n

Ako sa vyhn\u00fa\u0165 exek\u00facii?<\/h2>\n\n\n\n

Neby\u0165 otvoren\u00fd vo\u010di verite\u013eovi by v\u00e1m v \u017eiadnom pr\u00edpade nepomohlo. Prv\u00e1 vec, ktor\u00fa by ste mali urobi\u0165, ak m\u00e1te probl\u00e9my so spl\u00e1can\u00edm hypot\u00e9ky, je \u010do najsk\u00f4r kontaktova\u0165 <\/strong>svoju banku a prediskutova\u0165 s \u0148ou svoju situ\u00e1ciu. V mnoh\u00fdch pr\u00edpadoch s\u00fa zamestnanci banky ochotn\u00ed s vami spolupracova\u0165 na \u00faprave spl\u00e1tok hypot\u00e9ky, pred\u013a\u017een\u00ed splatnosti \u00faveru alebo pon\u00faknu mo\u017enos\u0165 odkladu spl\u00e1tok. <\/p>\n\n\n\n

Ak u\u017e nedok\u00e1\u017eete spl\u00e1ca\u0165 svoje p\u00f4\u017ei\u010dky, zv\u00e1\u017ete mo\u017enosti oddl\u017eenia<\/strong>, napr\u00edklad konsolid\u00e1ciu alebo spr\u00e1vu dlhov. Tieto mo\u017enosti v\u00e1m pom\u00f4\u017eu urovna\u0165 va\u0161e dlhy do jednej zvl\u00e1dnute\u013enej spl\u00e1tky, zn\u00ed\u017ei\u0165 \u00farokov\u00e9 sadzby a pom\u00f4c\u0165 vyhn\u00fa\u0165 sa exek\u00facii. <\/p>\n\n\n\n

Ve\u013emi u\u017eito\u010dn\u00e1 m\u00f4\u017ee by\u0165 aj spolupr\u00e1ca s kvalifikovan\u00fdm poradcom<\/strong> oh\u013eadom prevencie exek\u00facie. M\u00f4\u017ee v\u00e1m pom\u00f4c\u0165 pri rokovaniach s verite\u013emi a presk\u00fama v\u0161etky dostupn\u00e9 mo\u017enosti. V celej E\u00da je k dispoz\u00edcii viacero bezplatn\u00fdch slu\u017eieb na prevenciu exek\u00facie. Alebo p\u00fdtaj\u00fa len minim\u00e1lne sadzby. \u010c\u00edm sk\u00f4r podniknete ur\u010den\u00e9 kroky, t\u00fdm lep\u0161ie. <\/p>\n\n\n\n

Ak\u00e9 s\u00fa d\u00f4sledky nespl\u00e1cania osobnej p\u00f4\u017ei\u010dky?<\/h2>\n\n\n\n

Osobn\u00e9 p\u00f4\u017ei\u010dky s\u00fa \u010fal\u0161\u00edm typom dl\u017eoby, ktor\u00e1 m\u00f4\u017ee by\u0165 zdrojom finan\u010dn\u00e9ho stresu. Ide o oper\u00e1ciu, kedy verite\u013e (finan\u010dn\u00e1 in\u0161tit\u00facia) po\u017ei\u010dia dl\u017en\u00edkovi pe\u0148a\u017en\u00fa \u010diastku, ktor\u00fa mus\u00ed vr\u00e1ti\u0165 aj s \u00farokmi. Nemus\u00ed sa v\u0161ak za \u0148u ni\u010d\u00edm zaru\u010di\u0165, preto je dostupnej\u0161ia. Hoci osobn\u00e9 p\u00f4\u017ei\u010dky nemusia vies\u0165 k exek\u00facii alebo zabaveniu majetku, ich nespl\u00e1canie m\u00e1va za n\u00e1sledok z\u00e1va\u017en\u00e9 finan\u010dn\u00e9 d\u00f4sledky, ako s\u00fa exeku\u010dn\u00e9 zr\u00e1\u017eky zo mzdy<\/strong>, s\u00fadne konanie a v neposlednom rade po\u0161kodenie reput\u00e1cie. <\/p>\n\n\n\n

Ako sa vyhn\u00fa\u0165 diskredit\u00e1cii a zmrazeniu mzdy?<\/h2>\n\n\n\n

Pokia\u013e ide o osobn\u00e9 p\u00f4\u017ei\u010dky, najlep\u0161\u00edm sp\u00f4sobom, ako sa vyhn\u00fa\u0165 tomu, \u017ee by ste ich nevl\u00e1dali spl\u00e1ca\u0165, je d\u00f4kladne zv\u00e1\u017ei\u0165 svoju schopnos\u0165 spl\u00e1ca\u0165 <\/strong>ich e\u0161te predt\u00fdm, ako o ne po\u017eiadate. To znamen\u00e1, \u017ee najprv mus\u00edte pos\u00fadi\u0165 svoju s\u00fa\u010dasn\u00fa finan\u010dn\u00fa situ\u00e1ciu, vytvori\u0165 si rozpo\u010det a ur\u010di\u0165, \u010di si m\u00f4\u017eete dovoli\u0165 mesa\u010dne spl\u00e1ca\u0165 nejak\u00fd \u00faver. <\/p>\n\n\n\n

Ak sa dostanete do ome\u0161kania so spl\u00e1tkami p\u00f4\u017ei\u010dky, \u010do najsk\u00f4r kontaktujte svojho verite\u013ea a prediskutujte s n\u00edm svoju situ\u00e1ciu. Veritelia m\u00f4\u017eu by\u0165 ochotn\u00ed spolupracova\u0165 s vami na \u00faprave podmienok p\u00f4\u017ei\u010dky, pred\u013a\u017ei\u0165 jej splatnos\u0165 alebo pon\u00faknu\u0165 mo\u017enos\u0165 odkladu spl\u00e1tok. Je d\u00f4le\u017eit\u00e9 komunikova\u0165 s verite\u013eom a informova\u0165 ho o svojej situ\u00e1cii, aby ste sa vyhli tomu, \u017ee by ste nedok\u00e1zali a prestali p\u00f4\u017ei\u010dku spl\u00e1ca\u0165. <\/p>\n\n\n\n

Ak m\u00e1te probl\u00e9my s viacer\u00fdmi p\u00f4\u017ei\u010dkami alebo in\u00fdmi formami dlhov, zv\u00e1\u017ete mo\u017enosti oddl\u017eenia<\/strong>, napr\u00edklad konsolid\u00e1ciu alebo spr\u00e1vu dlhov. Tieto mo\u017enosti v\u00e1m m\u00f4\u017eu pom\u00f4c\u0165 ust\u00e1li\u0165 dlhy do jednej zvl\u00e1dnute\u013enej spl\u00e1tky, zn\u00ed\u017ei\u0165 \u00farokov\u00e9 sadzby a vyhnete sa situ\u00e1cii, \u017ee by ste \u00faver prestali spl\u00e1ca\u0165.<\/p>\n\n\n\n

Poznajte svoje pr\u00e1va<\/h2>\n\n\n\n

Ak dostanete ozn\u00e1menie od inkasnej spolo\u010dnosti alebo vym\u00e1ha\u010dskej firmy t\u00fdkaj\u00face sa va\u0161ich osobn\u00fdch p\u00f4\u017ei\u010diek, okam\u017eite reagujte a overte si dlh. Inkasn\u00e9 agent\u00fary s\u00fa povinn\u00e9 predlo\u017ei\u0165 d\u00f4kaz o dlhu, ktor\u00fd vym\u00e1haj\u00fa, a je d\u00f4le\u017eit\u00e9 necha\u0165 skontrolova\u0165 to, \u010di je dlh skuto\u010dne v\u00e1\u0161 a \u017ee inkasn\u00e1 spolo\u010dnos\u0165 m\u00e1 n\u00e1rok ho vym\u00e1ha\u0165. Okrem toho si uvedomte svoje pr\u00e1va vypl\u00fdvaj\u00face z nariaden\u00ed Eur\u00f3pskej \u00fanie o vym\u00e1han\u00ed poh\u013ead\u00e1vok a v pr\u00edpade potreby vyh\u013eadajte pr\u00e1vnu pomoc, aby ste ochr\u00e1nili svoje pr\u00e1va a vyhli sa nekal\u00fdm praktik\u00e1m vym\u00e1hania poh\u013ead\u00e1vok. <\/p>\n\n\n\n

Osobn\u00fd bankrot <\/h2>\n\n\n\n

Osobn\u00fd bankrot je pr\u00e1vne konanie, ktor\u00e9 jednotlivcom umo\u017e\u0148uje zbavi\u0165 sa dlhov a za\u010da\u0165 odznova. M\u00f4\u017ee sa zda\u0165 l\u00e1kav\u00e9 vyhl\u00e1si\u0165 bankrot. Je to v\u0161ak drastick\u00e9 <\/strong>opatrenie, ktor\u00e9 by sa malo zv\u00e1\u017ei\u0165 a uskuto\u010dni\u0165 a\u017e vtedy, ke\u010f sa vy\u010derpali v\u0161etky ostatn\u00e9 mo\u017enosti, <\/strong>ako sa zbavi\u0165 dlhov. Vyhl\u00e1senie osobn\u00e9ho bankrotu je nielen zlo\u017eit\u00e9 a \u010dasovo n\u00e1ro\u010dn\u00e9. Uskuto\u010dnenie tohto kroku bude ma\u0165 za n\u00e1sledok aj zn\u00ed\u017eenie v\u00e1\u0161ho kreditu, zap\u00ed\u0161e sa trvalo do z\u00e1znamu, a \u010do je najd\u00f4le\u017eitej\u0161ie, mo\u017eno budete n\u00faten\u00ed vzda\u0165 sa \u010dasti alebo cel\u00e9ho svojho majetku. M\u00f4\u017ee to by\u0165 ak\u00fdko\u013evek osobn\u00fd majetok<\/strong>, invest\u00edcie<\/strong> a dokonca aj v\u00e1\u0161 dom<\/strong>. <\/p>\n\n\n\n

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

Pracujem v Atene<\/mark><\/a>. M\u00f4\u017eete mi pom\u00f4c\u0165 vyhn\u00fa\u0165 sa strh\u00e1vaniu zr\u00e1\u017eok exek\u00facie zo mzdy?<\/h2>\n\n\n\n

V spolo\u010dnosti Atena<\/mark> <\/a>ver\u00edme v otvorenos\u0165 a radi s vami prediskutujeme v\u0161etky mo\u017enosti. Bez oh\u013eadu na to, o ak\u00fd probl\u00e9m ide, urobili by sme v\u0161etko, \u010do je v na\u0161ich sil\u00e1ch, aby sme v\u00e1m ho pomohli vyrie\u0161i\u0165. Samozrejme, nem\u00f4\u017eeme zmeni\u0165 s\u00fadne rozhodnutie ani odstr\u00e1ni\u0165 va\u0161e dlhy. Ale s najv\u00e4\u010d\u0161ou pravdepodobnos\u0165ou pre v\u00e1s dok\u00e1\u017eeme n\u00e1js\u0165 ide\u00e1lne a vhodn\u00e9 rie\u0161enie<\/strong> na z\u00e1klade konkr\u00e9tnej situ\u00e1cie, v ktorej sa nach\u00e1dzate. Za <\/strong>15<\/strong> rokov p\u00f4sobenia<\/mark> <\/a>na trhu sme sa stretli s mnoh\u00fdmi prek\u00e1\u017ekami. Je ve\u013emi m\u00e1lo pravdepodobn\u00e9, \u017ee by sme e\u0161te nikdy nerie\u0161ili podobn\u00fa situ\u00e1ciu, ako je t\u00e1 va\u0161a.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pre\u010d\u00edtajte si o d\u00f4sledkoch nespl\u00e1cania hypot\u00e9ky alebo \u00faveru vr\u00e1tane exek\u00facie. Objavte strat\u00e9gie, ako t\u00fdmto situ\u00e1ci\u00e1m predch\u00e1dza\u0165. Poznajte svoje pr\u00e1va a z\u00edskajte rady, ako sa vyrovna\u0165 s finan\u010dn\u00fdmi probl\u00e9mami a ochr\u00e1ni\u0165 svoj majetok.<\/p>\n","protected":false},"author":20,"featured_media":175635,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,55],"tags":[],"acf":{"facebookpost":"Len \u010do sa n\u00e1m po pand\u00e9mii Covid-19 podarilo finan\u010dne stabilizova\u0165, ceny takmer v\u0161etk\u00e9ho za\u010dali r\u00e1s\u0165. ? Ak\u00e9 m\u00e1me mo\u017enosti, ak si kv\u00f4li tejto situ\u00e1cii u\u017e nem\u00f4\u017eeme dovoli\u0165 spl\u00e1ca\u0165 \u00faver ani hypot\u00e9ku? Je bankrot rie\u0161en\u00edm alebo najhor\u0161\u00edm mo\u017en\u00fdm rozhodnut\u00edm? ","popis_socialneho_obrazku":"Ako sa vyhn\u00fa\u0165 exek\u00facii?"},"yoast_head":"\nZr\u00e1\u017eky zo mzdy alebo exek\u00facia: je odpove\u010fou vyhl\u00e1senie bankrotu? - Atena blog<\/title>\n<meta name=\"description\" content=\"Exek\u00facia a zr\u00e1\u017eanie zo mzdy s\u00fa d\u00f4sledkom neplatenia dlhov. Neznamen\u00e1 to v\u0161ak koniec sveta a tieto probl\u00e9my sa daj\u00fa vyrie\u0161i\u0165.\" \/>\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\/zrazky-zo-mzdy-alebo-exekucia-je-odpovedou-vyhlasenie-bankrotu\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zr\u00e1\u017eky zo mzdy alebo exek\u00facia: je odpove\u010fou vyhl\u00e1senie bankrotu? - Atena blog\" \/>\n<meta property=\"og:description\" content=\"\u017dijeme v dobe, ke\u010f je pre \u010dloveka \u0165a\u017ek\u00e9 vyhn\u00fa\u0165 sa hypot\u00e9ke alebo osobn\u00e9mu \u00faveru z toho \u010di onoho d\u00f4vodu. A v pr\u00edpade, \u017ee na dvere klope exek\u00facia alebo exek\u00facia zo mzdy, je najlep\u0161ie kona\u0165 sk\u00f4r, ako sa tak stane. 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