Exek\u00facie sp\u00f4sobuj\u00fa mnoh\u00fdm \u013eu\u010fom probl\u00e9my v pracovnom aj osobnom \u017eivote. Znamenaj\u00fa ve\u013ek\u00fa komplik\u00e1ciu pri n\u00e1vrate do \u201cnorm\u00e1lneho\u201d \u017eivota. \u0164a\u017ek\u00fa \u017eivotn\u00fa situ\u00e1ciu im pom\u00f4\u017ee prekona\u0165 novela z\u00e1kona o konkurze a re\u0161trukturaliz\u00e1cii, ktor\u00e1 upravuje oddl\u017eenie fyzick\u00fdch os\u00f4b.<\/p>\n\n\n\n\n\n\n\n
Medzi \u010dast\u00e9 d\u00f4vody vyhl\u00e1senia osobn\u00e9ho bankrotu je upadnutie do \u0161pir\u00e1ly dlhov, z ktor\u00fdch sa nedok\u00e1\u017eete dosta\u0165. Po legislat\u00edvnej \u00faprave Z\u00e1kona \u010d. 7\/2005 o konkurze a re\u0161trukturaliz\u00e1cii z 1. marca 2017 sa v\u0161ak osobn\u00fd bankrot stal ove\u013ea dostupnej\u0161ou mo\u017enos\u0165ou aj pre \u0161irok\u00fa verejnos\u0165. <\/p>\n\n\n\n
Osobn\u00fd bankrot ozna\u010duje z\u00e1konom upraven\u00fd a riaden\u00fd proces, po\u010das ktor\u00e9ho sa ka\u017ed\u00e1 fyzick\u00e1 osoba m\u00f4\u017ee zbavi\u0165 svojich dlhov. Aj bez nutnosti ma\u0165 majetok alebo pr\u00edjem. Ak dl\u017en\u00edk m\u00e1 majetok mus\u00ed po\u010d\u00edta\u0165 s t\u00fdm, \u017ee tento majetok (hnute\u013en\u00fd aj nehnute\u013en\u00fd) bude spe\u0148a\u017een\u00fd. Spe\u0148a\u017eenie majetku sa n\u00e1sledne pou\u017eije na \u00fahradu jeho z\u00e1v\u00e4zkov. Na tento \u00fakon s\u00fa jasne stanoven\u00e9 podmienky, ktor\u00e9 mus\u00ed tak\u00e1to osoba sp\u013a\u0148a\u0165, aby mohla podst\u00fapi\u0165 t\u00fato formu oddl\u017eenia. <\/p>\n\n\n\n
\u201cAk bankrot sprav\u00edme pre \u013eud\u00ed dostupn\u00fdm, nebud\u00fa u\u017e \u010deli\u0165 to\u013ek\u00fdm exek\u00faci\u00e1m. Mo\u017enos\u0165 zbavi\u0165 sa dlhov bude mo\u017en\u00e9 konkurzom s t\u00fdm, \u017ee z predaja majetku bude uspokojen\u00fd verite\u013e. Dl\u017en\u00edk bude z\u00e1rove\u0148 chr\u00e1nen\u00fd pred stratou obydlia. \u010eal\u0161ou mo\u017enos\u0165ou je spl\u00e1tkov\u00fd kalend\u00e1r.\u201c<\/p>
– b\u00fdval\u00e1 ministerka spravodlivosti, Lucia \u017dit\u0148ansk\u00e1 <\/p><\/blockquote>\n\n\n\n
Dajte pozor na podmienky<\/h2>\n\n\n\n
Pr\u00e1vo \u017eiada\u0165 oddl\u017eenie m\u00e1 fyzick\u00e1 osoba len vtedy, ak sa vo\u010di nej vedie exeku\u010dn\u00e9 alebo obdobn\u00e9 vykon\u00e1vacie konanie. Dl\u017en\u00edk sa pova\u017euje za osobu platobne neschopn\u00fa vtedy, ke\u010f nie je schopn\u00fd 180 dn\u00ed po splatnosti zaplati\u0165 aspo\u0148 jeden pe\u0148a\u017en\u00fd z\u00e1v\u00e4zok. N\u00e1sledne je povinn\u00fd tento preddavok vr\u00e1ti\u0165 Centru pr\u00e1vnej pomoci v mesa\u010dn\u00fdch spl\u00e1tkach v lehote 3 rokov od jeho poskytnutia. Z\u00e1rove\u0148 mus\u00ed ma\u0165 na \u00fazem\u00ed Slovenskej republiky svoje Centrum hlavn\u00fdch z\u00e1ujmov, ktor\u00e9 vie preuk\u00e1za\u0165 relevantn\u00fdmi d\u00f4kazmi. \u010ci\u017ee mus\u00ed ma\u0165 trval\u00fd pobyt, rodinu, vz\u0165ahy, majetok, ekonomick\u00e9 a soci\u00e1lne v\u00e4zby. <\/p>\n\n\n\n
\u201eDl\u017en\u00edk z\u00edska v\u00e4\u010d\u0161iu mieru ochrany a exek\u00fator v\u00e4\u010d\u0161iu zodpovednos\u0165 za v\u00fdkon exek\u00facie. Z\u00e1rove\u0148 odbreme\u0148ujeme s\u00fady od exeku\u010dnej agendy, \u010do prispeje k lep\u0161iemu pr\u00edstupu k spravodlivosti v\u00f4bec. Zmenami v konkurznom z\u00e1kone d\u00e1vame dostupnej\u0161iu mo\u017enos\u0165 oddl\u017eenia t\u00fdm, ktor\u00ed sa z vlastnej viny alebo z in\u00fdch d\u00f4vodov ocitli v dlhovej pasci a sami sa z nej nevedia dosta\u0165. Nemajetn\u00fdm s n\u00e1kladmi na oddl\u017eenie pom\u00f4\u017ee \u0161t\u00e1t. V\u00fdznamne zvy\u0161ujeme aj ochranu pred \u00faplnou stratou b\u00fdvania dl\u017en\u00edkov.\u201c<\/p>
– b\u00fdval\u00e1 ministerka spravodlivosti, Lucia \u017dit\u0148ansk\u00e1<\/p><\/blockquote>\n\n\n\n
Cie\u013eom osobn\u00e9ho bankrotu je zbavi\u0165 sa svojich dlhov. Dl\u017en\u00edk sa v zmysle n\u00e1vrhu bude m\u00f4c\u0165 zbavi\u0165 svojich dlhov tzv. konkurzom. Odovzd\u00e1 na spe\u0148a\u017eenie majetok a n\u00e1sledne by mal s\u00fad do 15. dn\u00ed rozhodn\u00fa\u0165 o vyhl\u00e1sen\u00ed konkurzu. T\u00fdmto d\u0148om je dl\u017en\u00edk zbaven\u00fd svojich dlhov a vo\u010di jeho osobe prestan\u00fa prebieha\u0165 exeku\u010dn\u00e9 konania. Poh\u013ead\u00e1vky sa st\u00e1vaj\u00fa nevymo\u017eite\u013en\u00fdmi a nov\u00e9 sa nem\u00f4\u017eu za\u010da\u0165. Dl\u017en\u00edk m\u00f4\u017ee za\u010da\u0165 postupne vies\u0165 norm\u00e1lny \u017eivot. Zalo\u017ei\u0165 si bankov\u00fd \u00fa\u010det, pracova\u0165 bez strachu, \u017ee mu bud\u00fa v pr\u00e1ci vykon\u00e1van\u00e9 zr\u00e1\u017eky. <\/p>\n","protected":false},"excerpt":{"rendered":"
Exek\u00facie sp\u00f4sobuj\u00fa mnoh\u00fdm \u013eu\u010fom probl\u00e9my v pracovnom aj osobnom \u017eivote. Znamenaj\u00fa ve\u013ek\u00fa komplik\u00e1ciu pri n\u00e1vrate do \u201cnorm\u00e1lneho\u201d \u017eivota. \u0164a\u017ek\u00fa \u017eivotn\u00fa situ\u00e1ciu im pom\u00f4\u017ee prekona\u0165 novela z\u00e1kona o konkurze a re\u0161trukturaliz\u00e1cii, ktor\u00e1 upravuje oddl\u017eenie fyzick\u00fdch os\u00f4b.<\/p>\n","protected":false},"author":9,"featured_media":8567,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,55],"tags":[],"acf":{"facebookpost":"","popis_socialneho_obrazku":""},"yoast_head":"\n
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