{"id":8820,"date":"2019-11-26T15:42:48","date_gmt":"2019-11-26T14:42:48","guid":{"rendered":"https:\/\/atena.sk\/blog\/?p=8820"},"modified":"2019-12-03T12:40:21","modified_gmt":"2019-12-03T11:40:21","slug":"aj-vy-mozete-poziadat-o-osobny-bankrot","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/aj-vy-mozete-poziadat-o-osobny-bankrot\/","title":{"rendered":"Osobn\u00fdm bankrotom k nov\u00e9mu za\u010diatku?"},"content":{"rendered":"\n

V snahe zn\u00ed\u017ei\u0165 st\u00e1le vysok\u00fa nezamestnanos\u0165 \u0161t\u00e1t od 1. marca 2017, v\u010faka pr\u00e1vnej \u00faprave zakotvenej v z\u00e1kone \u010d. 7\/2005 Z. z. o konkurze a re\u0161trukturaliz\u00e1cii, zaviedol nov\u00e9 pravidl\u00e1 osobn\u00e9ho bankrotu. Jeho cie\u013eom je da\u0165 druh\u00fa \u0161ancu t\u00fdm, ktor\u00ed sa ocitli v \u201edlhovej pasci\u201c a sami sa z nej nevedia dosta\u0165. <\/p>\n\n\n\n\n\n\n\n

Finan\u010dn\u00e1 gramotnos\u0165 sa zlep\u0161uje, av\u0161ak e\u0161te st\u00e1le sa stane, \u017ee spl\u00e1came jeden \u00faver druh\u00fdm. Probl\u00e9m nast\u00e1va, ak v\u00fd\u0161ka spl\u00e1tok prevy\u0161uje tretinu n\u00e1\u0161ho pr\u00edjmu. Komplik\u00e1cie v\u0161ak so sebou prin\u00e1\u0161a aj strata zamestnania alebo choroba, v d\u00f4sledku ktorej nie je mo\u017en\u00e9 pr\u00e1cu vykon\u00e1va\u0165. Osobn\u00fd bankrot je jedn\u00fdm z rie\u0161en\u00ed, ako sa z nepr\u00edjemnej situ\u00e1cie dosta\u0165. <\/p>\n\n\n\n

O\u010dak\u00e1va sa klesaj\u00faca tendencia? <\/h2>\n\n\n\n

Po\u010det exek\u00faci\u00ed sa v roku 2018 v porovnan\u00ed s predch\u00e1dzaj\u00facimi rokmi prudko zn\u00ed\u017eil. Hlavn\u00fdm d\u00f4vodom poklesu boli legislat\u00edvne zmeny v osobn\u00fdch bankrotoch. V prvom \u0161tvr\u0165roku tohto roku ich po\u010det dosiahol 3 545 a v tre\u0165om \u0161tvr\u0165roku a\u017e 4 782. V medziro\u010dnom porovnan\u00ed v tre\u0165om \u0161tvr\u0165roku 2019 zbankrotovalo o 22,55 % viac dl\u017en\u00edkov ne\u017e v rovnakom obdob\u00ed minul\u00e9ho roka. Av\u0161ak v porovnan\u00ed s posledn\u00fdm \u0161tvr\u0165rokom minul\u00e9ho roka s 3 600 osobn\u00fdmi bankrotmi, je to o 1,53 % menej. Klesaj\u00facu tendenciu je teda mo\u017en\u00e9 o\u010dak\u00e1va\u0165 aj v bud\u00facom roku. <\/p>\n\n\n\n

\"\"
V\u00ddVOJ PO\u010cTU OSOBN\u00ddCH BANKROTOV<\/strong> (zdroj: CRIF)<\/a> <\/figcaption><\/figure><\/div>\n\n\n\n

\u201eZa prv\u00fdch dev\u00e4\u0165 mesiacov tohto roku bolo vyhl\u00e1sen\u00fdch 12 665 osobn\u00fdch bankrotov. V okt\u00f3bri bol ich po\u010det od janu\u00e1ra 2019 vy\u0161\u0161\u00ed ne\u017e za cel\u00fd minul\u00fd rok, v ktorom bolo vyhl\u00e1sen\u00fdch 13 848 osobn\u00fdch bankrotov. V\u0161eobecne tie\u017e plat\u00ed, \u017ee viac bankrotuj\u00fa mu\u017ei ako \u017eeny. Z h\u013eadiska veku s\u00fa najviac zast\u00fapen\u00ed \u0161tyridsiatnici, av\u0161ak v marci 2019 bolo vo vekovej skupine 70-ro\u010dn\u00fdch dl\u017en\u00edkov v\u00fdrazne viac \u017eien ako mu\u017eov.\u201c <\/p>

– hlavn\u00e1 analyti\u010dka CRIF, Jana Markov\u00e1 <\/p><\/blockquote>\n\n\n\n

\"\"
OSOBN\u00c9 BANKROTY MU\u017dOV A \u017dIEN POD\u013dA VEKU<\/strong> (zdroj: CRIF<\/a>)<\/figcaption><\/figure><\/div>\n\n\n\n

Predt\u00fdm ako b\u00fdval\u00e1 ministerka spravodlivosti Lucia \u017dit\u0148ansk\u00e1 pri\u0161la s nov\u00fdm z\u00e1konom o konkurze a re\u0161trukturaliz\u00e1cii, bola mo\u017enos\u0165 osobn\u00e9ho bankrotu pre be\u017en\u00e9ho \u010dloveka takmer nedosiahnute\u013en\u00e1. Pred \u00fa\u010dinnos\u0165ou tejto novely neexistovali \u017eiadne re\u00e1lne \u0161tatistiky, na z\u00e1klade ktor\u00fdch by sa dalo predpoklada\u0165, ak\u00fd o\u0148 bude z\u00e1ujem. V s\u00fa\u010dasnosti v\u0161ak o oddl\u017eenie m\u00f4\u017ee po\u017eiada\u0165 ka\u017ed\u00e1 fyzick\u00e1 osoba bez v\u00fdnimky. K oddl\u017eeniu doch\u00e1dza v momente nadobudnutia pr\u00e1voplatnosti uznesenia o vyhl\u00e1sen\u00ed konkurzu alebo uznesenia o ur\u010den\u00ed spl\u00e1tko\u00adv\u00e9ho kalend\u00e1ra, v ktorom s\u00fad dl\u017en\u00edka oddl\u017e\u00ed. <\/p>\n\n\n\n

Ide to aj jednoduch\u0161ie<\/h2>\n\n\n\n

Ka\u017ed\u00fd platobne neschopn\u00fd dl\u017en\u00edk, ktor\u00fd je fyzickou osobou podnikate\u013eom alebo nepodnikate\u013eom, je opr\u00e1vnen\u00fd dom\u00e1ha\u0165 sa zbavenia svojich dlhov konkurzom alebo spl\u00e1tkov\u00fdm kalend\u00e1rom. S oddl\u017eovacou firmou<\/a><\/strong> nehrozia \u017eiadne falo\u0161n\u00e9 s\u013euby, ale m\u00f4\u017eete sa spo\u013eahn\u00fa\u0165 na s\u013eubovan\u00fd v\u00fdsledok. Dl\u017en\u00edk telefonicky alebo osobne kontaktuje pr\u00edslu\u0161n\u00fa kancel\u00e1riu, kde sa obozn\u00e1mi o mo\u017enostiach oddl\u017eenia. Do 24. hod\u00edn je telefonicky kontaktovan\u00fd a objedn\u00e1 sa do najbli\u017e\u0161ej kancel\u00e1rie oddl\u017eovacieho \u0161pecialistu.<\/p>\n\n\n\n

Klientovi je odprezentovan\u00fd cel\u00fd postup jeho oddl\u017eenia. So \u0161pecialistom uzatvor\u00ed objedn\u00e1vku na Posudok jeho finan\u010dnej a majetkovej situ\u00e1cie a zist\u00ed, \u010di sp\u013a\u0148a v\u0161etky po\u017eiadavky stanoven\u00e9 z\u00e1konom. N\u00e1sledne mu je do 7 dn\u00ed vypracovan\u00fd Posudok a n\u00e1vrh rie\u0161enia. Po jeho odovzdan\u00ed je klientovi garantovan\u00fd schv\u00e1len\u00fd osobn\u00fd bankrot s\u00fadom. Z\u00e1rove\u0148 dostane vypracovan\u00fa \u017diados\u0165 o osobn\u00fd bankrot so v\u0161etk\u00fdmi pr\u00edlohami. Podp\u00edsan\u00e1 \u017eiados\u0165 je za klienta odoslan\u00e1 Centru pr\u00e1vnej pomoci. Po\u010das cel\u00e9ho procesu oddl\u017eenia je klient monitorovan\u00fd a\u017e do \u00fapln\u00e9ho zbavenia dlhov. <\/p>\n\n\n\n

Dlhy tr\u00e1pia aj pr\u00e1vnikov<\/h2>\n\n\n\n

Predstava, \u017ee medzi dl\u017en\u00edkmi s\u00fa iba finan\u010dne negramotn\u00e9 osoby, je myln\u00e1. Klientmi s\u00fa okrem in\u00fdch b\u00fdval\u00ed \u00faspe\u0161n\u00ed podnikatelia, dokonca pr\u00e1vnici, spr\u00e1vcovia konkurznej podstaty \u010di burzov\u00ed makl\u00e9ri. \u010cast\u00e9 s\u00fa aj pr\u00edpady druhotnej platobnej neschopnosti. \u017divnostn\u00edci nie s\u00fa schopn\u00ed spl\u00e1ca\u0165 svoje dlhy vo\u010di pois\u0165ovniam a preto si vzali \u00favery, ktor\u00e9 nezvl\u00e1dali spl\u00e1ca\u0165. <\/p>\n\n\n\n

„D\u00f4vodom osobn\u00e9ho bankrotu je hlavne vysok\u00e9 zadl\u017eenie, kedy \u010dlovek nespr\u00e1vne odhadol svoje mo\u017enosti spl\u00e1cania alebo si v \u010dasoch prosperity nabral na \u201esvoje plecia\u201c pr\u00edli\u0161 ve\u013ea p\u00f4\u017ei\u010diek. \u010eal\u0161\u00edm d\u00f4vodom je, \u017ee dl\u017en\u00edk nem\u00e1 \u017eiadne \u00faspory, ktor\u00e9 by mohol pou\u017ei\u0165 na spl\u00e1canie dlhov v pr\u00edpade v\u00fdpadku alebo poklesu svojho pr\u00edjmu. A v neposlednom rade m\u00f4\u017ee \u010dloveka do bankrotu dosta\u0165 aj v\u00fdpadok pr\u00edjmu sp\u00f4soben\u00fd napr\u00edklad dlhodobej\u0161ou nezamestnanos\u0165ou alebo zdravotn\u00fdmi probl\u00e9mami.“<\/p>

– analyti\u010dka Po\u0161tovej banky, Jana Glasov\u00e1
<\/p><\/blockquote>\n\n\n\n

Zastavenie starej exek\u00facie m\u00f4\u017ee nasta\u0165 v pr\u00edpade, pokia\u013e dl\u017en\u00edk alebo verite\u013e zanikli bez pr\u00e1vneho n\u00e1stupcu a exek\u00facia bola za\u010dat\u00e1 pred 1. apr\u00edlom 2017. To, \u010di je verite\u013eom fyzick\u00e1 osoba, firma, alebo \u0161t\u00e1t nie je pri ukon\u010den\u00ed starej exek\u00facie rozhoduj\u00face. Jej zastavenie m\u00f4\u017ee by\u0165 realizovan\u00e9 aj na n\u00e1vrh verite\u013ea. Ten je z\u00e1rove\u0148 v s\u00favislosti so zastaven\u00edm starej exek\u00facie povinn\u00fd uhradi\u0165 len pau\u0161\u00e1lne trovy exek\u00fatora. <\/p>\n\n\n\n

\u010ci sa podar\u00ed naplni\u0165 \u00famysel z\u00e1konodarcu umo\u017eni\u0165 dl\u017en\u00edkom zbavi\u0165 sa svojich dlhov a t\u00fdm ich aj motivova\u0165 vies\u0165 riadny \u017eivot, uk\u00e1\u017ee a\u017e aplika\u010dn\u00e1 prax konkurzn\u00fdch s\u00fadov, ako bud\u00fa pristupova\u0165 k jednotliv\u00fdm n\u00e1vrhom a tie\u017e aktivita dl\u017en\u00edkov.<\/p>\n","protected":false},"excerpt":{"rendered":"

V snahe zn\u00ed\u017ei\u0165 st\u00e1le vysok\u00fa nezamestnanos\u0165 \u0161t\u00e1t od 1. marca 2017, v\u010faka pr\u00e1vnej \u00faprave zakotvenej v z\u00e1kone \u010d. 7\/2005 Z. z. o konkurze a re\u0161trukturaliz\u00e1cii, zaviedol nov\u00e9 pravidl\u00e1 osobn\u00e9ho bankrotu. Jeho cie\u013eom je da\u0165 druh\u00fa \u0161ancu t\u00fdm, ktor\u00ed sa ocitli v \u201edlhovej pasci\u201c a sami sa z nej nevedia dosta\u0165.<\/p>\n","protected":false},"author":9,"featured_media":8839,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54,76],"tags":[],"acf":{"facebookpost":"","popis_socialneho_obrazku":""},"yoast_head":"\nOsobn\u00fdm bankrotom k nov\u00e9mu za\u010diatku? - Atena blog<\/title>\n<meta name=\"description\" content=\"Cie\u013eom osobn\u00e9ho bankrotu je da\u0165 druh\u00fa \u0161ancu t\u00fdm, ktor\u00ed sa ocitli v \u201edlhovej pasci\u201c a sami sa z nej nevedia dosta\u0165. 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