{"id":11751,"date":"2019-10-28T19:19:56","date_gmt":"2019-10-28T18:19:56","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?post_type=encyclopedia&#038;p=952"},"modified":"2026-10-01T22:21:32","modified_gmt":"2026-10-01T20:21:32","slug":"osobni-bankrot","status":"publish","type":"pojem","link":"https:\/\/skippay.cz\/blog\/slovnik-pojmu\/pismeno-o\/osobni-bankrot\/","title":{"rendered":"Osobn\u00ed bankrot"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Osobn\u00ed bankrot je krajn\u00ed mo\u017enost pro lidi, kte\u0159\u00ed se ocitli na pokraji sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed. Prost\u0159ednictv\u00edm pr\u00e1vn\u00edka \u010di not\u00e1\u0159e se m\u016f\u017ee dlu\u017en\u00edk obr\u00e1tit na soud za podm\u00ednky, \u017ee je schopen z\u00a0pravideln\u00e9ho p\u0159\u00edjmu <strong>splatit b\u011bhem p\u011bti let v\u00edce ne\u017e 30 % sv\u00fdch dluh\u016f<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jestli dlu\u017en\u00edk spl\u0148uje podm\u00ednky osobn\u00edho bankrotu, si lze ov\u011b\u0159it na internetu v&nbsp;online kalkula\u010dce osobn\u00edho bankrotu, v&nbsp;p\u0159\u00edpad\u011b nouze se dlu\u017en\u00edk m\u016f\u017ee tak\u00e9 obr\u00e1tit na Poradnu p\u0159i finan\u010dn\u00ed t\u00edsni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jak postupovat\np\u0159i ohl\u00e1\u0161en\u00ed osobn\u00edho bankrotu?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ud\u011blejte si jasno<\/strong>. Zjist\u011bte si, kolik pen\u011bz dlu\u017e\u00edte kolika v\u011b\u0159itel\u016fm. <\/li>\n\n\n\n<li><strong>Nav\u0161tivte soud<\/strong>. Na krajsk\u00e9m soudu podle sv\u00e9ho m\u00edsta bydli\u0161t\u011b podejte <a href=\"https:\/\/financniarchitekti.cz\/insolvence-jak-se-oddluzit\/\">n\u00e1vrh na oddlu\u017een\u00ed<\/a>. Na jeho vypln\u011bn\u00ed budete pot\u0159ebovat seznam v\u011b\u0159itel\u016f, zn\u00e1t \u010d\u00e1stku, kterou dlu\u017e\u00edte a d\u016fvod, pro\u010d jste se v&nbsp;t\u00e9to situaci ocitli. <\/li>\n\n\n\n<li><strong>Po\u010dkejte na vyhodnocen\u00ed soudu<\/strong>. Ten zjist\u00ed, jestli jste poctiv\u00fd dlu\u017en\u00edk a jestli je va\u0161e oddlu\u017een\u00ed uskute\u010dniteln\u00e9. <\/li>\n\n\n\n<li><strong>Respektujte rozhodnut\u00ed v\u011b\u0159itel\u016f<\/strong>. Pokud soud osobn\u00ed bankrot schv\u00e1l\u00ed, sejdou se v\u0161ichni va\u0161i v\u011b\u0159itel\u00e9 a dohodnou se, jak\u00fdm zp\u016fsobem budete spl\u00e1cet. <\/li>\n\n\n\n<li><strong>D\u016fsledn\u011b spl\u00e1cejte<\/strong>. B\u011bhem p\u011btilet\u00e9ho procesu oddlu\u017een\u00ed na bude na spr\u00e1vn\u00e9 spl\u00e1cen\u00ed dohl\u00ed\u017eet soudem p\u0159id\u011blen\u00fd insolven\u010dn\u00ed spr\u00e1vce. <\/li>\n\n\n\n<li><strong>Spla\u0165te cel\u00fdch 30 %.<\/strong> Pokud b\u011bhem 5 let zvl\u00e1dnete sv\u00fdm v\u011b\u0159itel\u016fm splatit t\u0159etinu sv\u00fdch z\u00e1vazk\u016f, soud v\u00e1m zbytek dluh\u016f promine a dojde k&nbsp;oddlu\u017een\u00ed. <\/li>\n<\/ul>\n","protected":false},"template":"","tags":[29,23],"pismeno":[3261],"class_list":["post-11751","pojem","type-pojem","status-publish","hentry","tag-nakup-na-splatky","tag-pujcka","pismeno-pismeno-o","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Osobn\u00ed bankrot | Skip Pay<\/title>\n<meta name=\"description\" content=\"Osobn\u00ed bankrot je krajn\u00ed mo\u017enost pro lidi, kte\u0159\u00ed se ocitli na pokraji sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed. 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