[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.delila.cz\/insolvence-aneb-kdy-je-mozne-zadat-o-oddluzeni\/#Article","mainEntityOfPage":"https:\/\/www.delila.cz\/insolvence-aneb-kdy-je-mozne-zadat-o-oddluzeni\/","headline":"Insolvence aneb kdy je mo\u017en\u00e9 \u017e\u00e1dat o oddlu\u017een\u00ed?","name":"Insolvence aneb kdy je mo\u017en\u00e9 \u017e\u00e1dat o oddlu\u017een\u00ed?","description":"A\u0165 u\u017e se s neschopnost\u00ed dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm pot\u00fdk\u00e1 fyzick\u00e1 nebo pr\u00e1vnick\u00e1 osoba, \u0159e\u0161en\u00edm m\u016f\u017ee b\u00fdt pr\u00e1v\u011b insolven\u010dn\u00ed \u0159\u00edzen\u00ed. V jak\u00fdch p\u0159\u00edpadech je mo\u017en\u00e9 \u017e\u00e1dat o oddlu\u017een\u00ed a jak\u00e9 podm\u00ednky s n\u00edm souvis\u00ed? Co to vlastn\u011b je insolvence? Term\u00edn insolvence poch\u00e1z\u00ed z latiny a ozna\u010duje neschopnost dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 v\u016f\u010di v\u011b\u0159iteli dlu\u017en\u00edk m\u00e1. Jinak \u0159e\u010deno, pokud […]","datePublished":"2020-11-04","dateModified":"2020-11-04","author":{"@type":"Person","@id":"https:\/\/www.delila.cz\/author\/#Person","name":"delila.cz","url":"https:\/\/www.delila.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cbcb92d2d459f60d1dc08d6e5973c6b0ed1017e8a3b51da0599e03841cfa81e6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cbcb92d2d459f60d1dc08d6e5973c6b0ed1017e8a3b51da0599e03841cfa81e6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"delila.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.delila.cz\/wp-content\/uploads\/sloupec%20pen%C4%9Bz_2.jpg","url":"https:\/\/www.delila.cz\/wp-content\/uploads\/sloupec%20pen%C4%9Bz_2.jpg","height":0,"width":0},"url":"https:\/\/www.delila.cz\/insolvence-aneb-kdy-je-mozne-zadat-o-oddluzeni\/","about":["Business"],"wordCount":405,"articleBody":"       A\u0165 u\u017e se s neschopnost\u00ed dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm pot\u00fdk\u00e1 fyzick\u00e1 nebo pr\u00e1vnick\u00e1 osoba, \u0159e\u0161en\u00edm m\u016f\u017ee b\u00fdt pr\u00e1v\u011b insolven\u010dn\u00ed \u0159\u00edzen\u00ed. V jak\u00fdch p\u0159\u00edpadech je mo\u017en\u00e9 \u017e\u00e1dat o oddlu\u017een\u00ed a jak\u00e9 podm\u00ednky s n\u00edm souvis\u00ed? Co to vlastn\u011b je insolvence?Term\u00edn insolvence poch\u00e1z\u00ed z latiny a ozna\u010duje neschopnost dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, kter\u00e9 v\u016f\u010di v\u011b\u0159iteli dlu\u017en\u00edk m\u00e1. Jinak \u0159e\u010deno, pokud v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f p\u0159evy\u0161uje p\u0159\u00edjmy, dlu\u017en\u00edk nen\u00ed schopen pravideln\u011b a v pln\u00e9 m\u00ed\u0159e spl\u00e1cet sv\u00e9 dluhy. Platebn\u00ed neschopnost, \u00fapadek, p\u0159\u00edpadn\u011b osobn\u00ed bankrot jsou synonyma, se kter\u00fdmi se m\u016f\u017eeme na poli \u00fav\u011br\u016f tak\u00e9 velmi \u010dasto setkat. Insolvence je v\u0161ak jak\u00fdsi proces oddlu\u017een\u00ed, d\u00edky kter\u00e9mu se m\u016f\u017ee dlu\u017en\u00edk \u010d\u00e1ste\u010dn\u011b nebo dokonce v pln\u00e9 m\u00ed\u0159e zbavit sv\u00fdch dluh\u016f, kter\u00e9 v\u016f\u010di v\u011b\u0159itel\u016fm m\u00e1. Je to vlastn\u011b jak\u00e1si forma soudn\u00edho \u0159\u00edzen\u00ed, kdy na z\u00e1klad\u011b n\u011bho je uspokojeno co nejv\u011bt\u0161\u00ed mo\u017en\u00e9 procento dlu\u017en\u00e9 \u010d\u00e1stky, ale za skute\u010dnosti, kdy dlu\u017en\u00edk bude schopen splatit alespo\u0148 t\u0159icet procent sv\u00e9 dlu\u017en\u00e9 \u010d\u00e1stky. Jak prob\u00edh\u00e1 samotn\u00e9 insolven\u010dn\u00ed \u0159\u00edzen\u00ed?Insolven\u010dn\u00ed \u0159\u00edzen\u00ed zapo\u010dne pod\u00e1n\u00edm insolven\u010dn\u00edho n\u00e1vrhu u p\u0159\u00edslu\u0161n\u00e9ho soudy, kter\u00fd se specializuje na oddlu\u017een\u00ed. Je u\u017e na zv\u00e1\u017een\u00ed, zda n\u00e1vrh pod\u00e1 s\u00e1m dlu\u017en\u00edk nebo p\u0159\u00edmo v\u011b\u0159itel, ale pouze za p\u0159edpokladu, \u017ee je dlu\u017en\u00edk v \u00fapadku. V takov\u00e9m p\u0159\u00edpad\u011b je velmi pravd\u011bpodobn\u00e9, \u017ee v budoucnu nebude schopn\u00fd dlu\u017en\u00edk splnit podstatnou \u010d\u00e1st sv\u00fdch z\u00e1vazk\u016f, kter\u00e9 v\u016f\u010di v\u011b\u0159iteli m\u00e1. V\u011b\u0159itel je pak nucen pravideln\u011b kontrolovat insolven\u010dn\u00ed rejst\u0159\u00edk. Jak sledovat insolven\u010dn\u00ed rejst\u0159\u00edk o\/? Podm\u00ednky pro oddlu\u017een\u00edAby bylo mo\u017en\u00e9 za\u017e\u00e1dat o osobn\u00ed bankrot, je pot\u0159eba splnit hned n\u011bkolik podm\u00ednek. Tak\u00e9 je pot\u0159eba dolo\u017eit, \u017ee je schopn\u00fd za p\u011bt let zaplatit minim\u00e1ln\u011b 30% dlu\u017en\u00e9 \u010d\u00e1stky v\u0161ech sv\u00fdch v\u011b\u0159itel\u016f. Pokud v\u0161ak dlu\u017en\u00edkovi nakonec insolvence nebude schv\u00e1lena, dojde k okam\u017eit\u00e9mu zplatn\u011bn\u00ed v\u0161ech jeho pohled\u00e1vek.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Insolvence aneb kdy je mo\u017en\u00e9 \u017e\u00e1dat o oddlu\u017een\u00ed?","item":"https:\/\/www.delila.cz\/insolvence-aneb-kdy-je-mozne-zadat-o-oddluzeni\/#breadcrumbitem"}]}]