[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.prufia.cz\/ven-z-dluhove-pasti\/#Article","mainEntityOfPage":"https:\/\/www.prufia.cz\/ven-z-dluhove-pasti\/","headline":"Ven z dluhov\u00e9 pasti","name":"Ven z dluhov\u00e9 pasti","description":"Mezi odborn\u00edky se tomu \u0159\u00edk\u00e1 dluhov\u00e1 past. Situace, kdy ji\u017e \u010dlov\u011bk nev\u00ed, kudy ven, n\u011bkolik nesplacen\u00fdch \u00fav\u011br\u016f, hrozba exekuce, nebo ji\u017e exekuce prob\u00edhaj\u00edc\u00ed, nedostatek p\u0159\u00edjm\u016f a hlavn\u011b \u2013 zoufalstv\u00ed. Lid\u00e9, kte\u0159\u00ed se ocitli v\u00a0dluhov\u00e9 pasti, maj\u00ed \u010dasto obstaven\u00fd majetek, \u00fa\u010det a nevid\u00ed ze sv\u00e9 situace v\u00fdchodisko. \u0158e\u0161en\u00edm m\u016f\u017ee b\u00fdt oddlu\u017een\u00ed O co se vlastn\u011b jedn\u00e1? &hellip; ","datePublished":"2023-05-19","dateModified":"2023-05-19","author":{"@type":"Person","@id":"https:\/\/www.prufia.cz\/author\/#Person","name":"","url":"https:\/\/www.prufia.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/87007d43bbcef3c87926bba9082d96a1a8da6f7ae55b1546f5f58a5e10d8ed12?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/87007d43bbcef3c87926bba9082d96a1a8da6f7ae55b1546f5f58a5e10d8ed12?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"prufia.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.prufia.cz\/wp-content\/uploads\/img_a298254_w2019_t1508601131.jpg","url":"https:\/\/www.prufia.cz\/wp-content\/uploads\/img_a298254_w2019_t1508601131.jpg","height":0,"width":0},"url":"https:\/\/www.prufia.cz\/ven-z-dluhove-pasti\/","wordCount":485,"articleBody":"Mezi odborn\u00edky se tomu \u0159\u00edk\u00e1 dluhov\u00e1 past. Situace, kdy ji\u017e \u010dlov\u011bk nev\u00ed, kudy ven, n\u011bkolik nesplacen\u00fdch \u00fav\u011br\u016f, hrozba exekuce, nebo ji\u017e exekuce prob\u00edhaj\u00edc\u00ed, nedostatek p\u0159\u00edjm\u016f a hlavn\u011b \u2013 zoufalstv\u00ed. Lid\u00e9, kte\u0159\u00ed se ocitli v\u00a0dluhov\u00e9 pasti, maj\u00ed \u010dasto obstaven\u00fd majetek, \u00fa\u010det a nevid\u00ed ze sv\u00e9 situace v\u00fdchodisko.\u0158e\u0161en\u00edm m\u016f\u017ee b\u00fdt oddlu\u017een\u00edO co se vlastn\u011b jedn\u00e1? Prvn\u00edho ledna 2008 ve\u0161el v\u00a0platnost z\u00e1kon \u010d. 182\/2006 Sb., Z\u00e1kon o \u00fapadku a zp\u016fsobech jeho \u0159e\u0161en\u00ed, takzvan\u00fd insolven\u010dn\u00ed z\u00e1kon. Nab\u00edz\u00ed mo\u017enost osob\u00e1m, kter\u00e9 nejsou podnikateli, aby sv\u00e9 dluhy \u0159e\u0161ili uveden\u00fdm oddlu\u017een\u00edm a to za podm\u00ednek, kter\u00e9 jim z\u00e1kon stanovuje.Pro koho je oddlu\u017een\u00ed vhodn\u00e9&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 pro osoby, kter\u00e9 maj\u00ed v\u00edcero dluh\u016f a nejsou schopny je spl\u00e1cet&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 nejsou podnikateli, nebo alespo\u0148 dluhy, o kter\u00e9 se jedn\u00e1, nevznikly z\u00a0podnikatelsk\u00e9 \u010dinnosti&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 maj\u00ed st\u00e1l\u00fd a stabiln\u00ed zdroj p\u0159\u00edjm\u016f&#8211;\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 z\u00edskaj\u00ed souhlas v\u011b\u0159itel\u016f s\u00a0oddlu\u017een\u00edm.Principem oddlu\u017een\u00ed je soustavn\u00e9 spl\u00e1cen\u00ed dluhu, kdy v\u0161echny pohled\u00e1vky budou takzvan\u011b zmrazeny, neporostou d\u00e1le \u00faroky ani pen\u00e1le a bude se spl\u00e1cet po dobu p\u011bti let nejvy\u0161\u0161\u00ed mo\u017en\u00e1 \u010d\u00e1stka tak, aby bylo pokryto alespo\u0148 30 % v\u0161ech aktu\u00e1ln\u00edch dluh\u016f. Budou tedy zastaveny exekuce, nebude hrozit dal\u0161\u00ed upom\u00ednka. V\u0161echny pohled\u00e1vky budou zahrnuty do oddlu\u017een\u00ed a po uplynut\u00ed p\u011btilet\u00e9 lh\u016fty, co bude splaceno, to bude, co nebude, je odpu\u0161t\u011bno. \u010casto se t\u00e1v\u00e1, \u017ee dlu\u017en\u00edk uhrad\u00ed za danou dobu v\u0161echny sv\u00e9 dluhy a to d\u00edky tomu, \u017ee pr\u00e1v\u011b nedoch\u00e1z\u00ed k\u00a0jejich dal\u0161\u00edmu navy\u0161ov\u00e1n\u00ed. Osob\u011b po dobu p\u011bti let z\u016fst\u00e1v\u00e1 pouze takzvan\u00e1 nezabaviteln\u00e1 \u010d\u00e1stka, co\u017e je nejni\u017e\u0161\u00ed mo\u017en\u00e1 \u010d\u00e1stka ur\u010den\u00e1 na pokryt\u00ed z\u00e1kladn\u00edch \u017eivotn\u00edch pot\u0159eb.Postup je n\u00e1sleduj\u00edc\u00edV\u00a0p\u0159\u00edpad\u011b, \u017ee osoba chce \u0159e\u0161it svou situaci prost\u0159ednictv\u00edm oddlu\u017een\u00ed, mus\u00ed se obr\u00e1tit na p\u0159\u00edslu\u0161n\u00fd krajsk\u00fd soud. Ten toti\u017e o povolen\u00ed oddlu\u017een\u00ed rozhoduje. \u017d\u00e1dost o oddlu\u017een\u00ed a insolven\u010dn\u00ed n\u00e1vrh mus\u00ed podat dlu\u017en\u00edk s\u00e1m za sebe, a mus\u00ed k\u00a0n\u011bmu dolo\u017eit souhlas v\u011b\u0159itel\u016f s\u00a0oddlu\u017een\u00edm, tak\u00e9 potvrzen\u00ed o majetku, a o sv\u00fdch p\u0159\u00edjmech za posledn\u00ed roky a p\u0159edpoklad p\u0159\u00edjm\u016f budouc\u00edch.V\u00a0p\u0159\u00edpad\u011b, \u017ee soud \u017e\u00e1dost schv\u00e1l\u00ed, dohl\u00ed\u017e\u00ed na cel\u00fd proces oddlu\u017een\u00ed ustanoven\u00fd insolven\u010dn\u00ed spr\u00e1vce.Podrobn\u00e9 informace lze z\u00edskat v\u00a0uveden\u00e9m z\u00e1kon\u011b, nebo na internetov\u00fdch str\u00e1nk\u00e1ch Ministerstva spravedlnosti \u010di v bezplatn\u00fdch\u00a0poradn\u00e1ch p\u0159i finan\u010dn\u00ed t\u00edsni. Pozor na oddlu\u017een\u00ed, kter\u00e1 nab\u00edzej\u00ed r\u016fzn\u00e9 finan\u010dn\u00ed agentury, uveden\u00e9 oddlu\u017een\u00ed dle z\u00e1kona je pouze to, kter\u00e9 schv\u00e1l\u00ed soud. \u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ven z dluhov\u00e9 pasti","item":"https:\/\/www.prufia.cz\/ven-z-dluhove-pasti\/#breadcrumbitem"}]}]