{"id":11751,"date":"2019-10-28T19:19:56","date_gmt":"2019-10-28T18:19:56","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?post_type=encyclopedia&amp;p=952"},"modified":"2019-10-28T19:19:56","modified_gmt":"2019-10-28T18:19:56","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> Osobn\u00ed bankrot je krajn\u00ed mo\u017enost pro lidi, kte\u0159\u00ed se ocitli na pokraji sv\u00fdch <a href=\"https:\/\/skippay.cz\/pujcky\">finan\u010dn\u00edch<\/a> 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&nbsp;pravideln\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>To, jestli\ndlu\u017en\u00edk spl\u0148uje podm\u00ednky osobn\u00edho bankrotu, si lze ov\u011b\u0159it na\ninternetu v&nbsp;online kalkula\u010dce osobn\u00edho bankrotu, v&nbsp;p\u0159\u00edpad\u011b\nnouze se dlu\u017en\u00edk m\u016f\u017ee tak\u00e9 obr\u00e1tit na Poradnu p\u0159i finan\u010dn\u00ed\nt\u00edsni.<\/p>\n\n\n\n<p><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 v27.5 - 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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