[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nagyn.cz\/insolvence-reseni-pro-kazdeho\/#Article","mainEntityOfPage":"https:\/\/www.nagyn.cz\/insolvence-reseni-pro-kazdeho\/","headline":"Insolvence \u2013 \u0159e\u0161en\u00ed pro ka\u017ed\u00e9ho?","name":"Insolvence \u2013 \u0159e\u0161en\u00ed pro ka\u017ed\u00e9ho?","description":"V\u00a0dne\u0161n\u00ed dob\u011b u\u017e nen\u00ed probl\u00e9m sehnat jednodu\u0161e \u00fav\u011br. N\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti v\u00e1m poskytnou p\u016fj\u010dku, i kdy\u017e m\u00e1te nebo jste n\u011bkdy m\u011bli z\u00e1vazek po splatnosti a dostali jste se do registru dlu\u017en\u00edk\u016f. Je to vykoupeno vysok\u00fdmi poplatky a \u00faroky. Co\u017e je logick\u00e9, pot\u0159ebuj\u00ed m\u00edt v\u011bt\u0161\u00ed v\u00fdd\u011blek, proto\u017ee je v\u011bt\u0161\u00ed mno\u017estv\u00ed p\u0159\u00edpad\u016f, kdy jim klienti p\u0159estanou platit. Bohu\u017eel pro v\u00e1s, jako z\u00e1kazn\u00edka, je to nejkrat\u0161\u00ed cesta do pekel. V\u00a0p\u0159\u00edpad\u011b v\u011bt\u0161\u00edch dluh\u016f sta\u010d\u00ed<div class=\"read-more\"><a class=\"btn read-more-btn\" href=\"https:\/\/www.nagyn.cz\/insolvence-reseni-pro-kazdeho\/\">Read More<\/a><\/div>","datePublished":"2019-12-19","dateModified":"2019-12-19","author":{"@type":"Person","@id":"https:\/\/www.nagyn.cz\/author\/#Person","name":"","url":"https:\/\/www.nagyn.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nagyn.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nagyn.cz\/wp-content\/uploads\/img_a364016_w4419_t1576744758.jpg","url":"https:\/\/www.nagyn.cz\/wp-content\/uploads\/img_a364016_w4419_t1576744758.jpg","height":0,"width":0},"url":"https:\/\/www.nagyn.cz\/insolvence-reseni-pro-kazdeho\/","about":["Pen\u00edze"],"wordCount":662,"articleBody":"V\u00a0dne\u0161n\u00ed dob\u011b u\u017e nen\u00ed probl\u00e9m sehnat jednodu\u0161e \u00fav\u011br. N\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti v\u00e1m poskytnou p\u016fj\u010dku, i kdy\u017e m\u00e1te nebo jste n\u011bkdy m\u011bli z\u00e1vazek po splatnosti a dostali jste se do registru dlu\u017en\u00edk\u016f. Je to vykoupeno vysok\u00fdmi poplatky a \u00faroky. Co\u017e je logick\u00e9, pot\u0159ebuj\u00ed m\u00edt v\u011bt\u0161\u00ed v\u00fdd\u011blek, proto\u017ee je v\u011bt\u0161\u00ed mno\u017estv\u00ed p\u0159\u00edpad\u016f, kdy jim klienti p\u0159estanou platit. Bohu\u017eel pro v\u00e1s, jako z\u00e1kazn\u00edka, je to nejkrat\u0161\u00ed cesta do pekel. V\u00a0p\u0159\u00edpad\u011b v\u011bt\u0161\u00edch dluh\u016f sta\u010d\u00ed mal\u00fd v\u00fdpadek p\u0159\u00edjmu (nap\u0159\u00edklad kv\u016fli pracovn\u00ed neschopnosti) a u\u017e je probl\u00e9m na sv\u011bt\u011b a mo\u017en\u00e1 uva\u017eujete i o vyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu. To znamen\u00e1, \u017ee ji\u017e nejste dlouhodob\u011b schopni spl\u00e1cet svoje p\u016fj\u010dky.\u010casto se setk\u00e1v\u00e1m s\u00a0t\u00edm, \u017ee si lid\u00e9 mysl\u00ed, \u017ee mus\u00ed m\u00edt p\u016fj\u010dky alespo\u0148 30 dn\u00ed po splatnosti, to ale nen\u00ed tak \u00fapln\u011b pravda. Sta\u010d\u00ed i to, kdy\u017e v\u00e1m \u00fapadek hroz\u00ed, nemus\u00edte tak \u010dekat, a\u017e budou \u00fav\u011bry po splatnosti, co\u017e je samoz\u0159ejm\u011b lep\u0161\u00ed, proto\u017ee v\u00e1\u0161 dluh se nebude zvy\u0161ovat nab\u00edhaj\u00edc\u00edmi \u00faroky z\u00a0prodlen\u00ed a pokutami. Sta\u010d\u00ed, pokud m\u00e1te na spl\u00e1cen\u00ed alespo\u0148 t\u0159iceti procent z\u00a0celkov\u00e9 dlu\u017en\u00e9 \u010d\u00e1stky. Dostanete nov\u00fd spl\u00e1tkov\u00fd kalend\u00e1\u0159 nebo p\u0159\u00edpadn\u011b zaplat\u00edte \u010d\u00e1st \u00fav\u011br\u016f sv\u00fdm majetkem.M\u016f\u017eete podat \u017e\u00e1dost o insolvenci sami?Aktu\u00e1ln\u011b to ji\u017e nen\u00ed mo\u017en\u00e9. Soudy toti\u017e musely zam\u00edtat velk\u00e9 mno\u017estv\u00ed \u017e\u00e1dost\u00ed kv\u016fli chyb\u00e1m v\u00a0dokumentech nebo chyb\u011bj\u00edc\u00edm p\u0159\u00edloh\u00e1m. \u017d\u00e1dost tedy v\u00a0sou\u010dasnosti pod\u00e1v\u00e1te p\u0159es pr\u00e1vn\u00edka, insolven\u010dn\u00edho spr\u00e1vce nebo podobn\u00e9 instituce. A to je pr\u00e1v\u011b ono, je mo\u017en\u00e9, \u017ee \u017e\u00e1dost za v\u00e1s podaj\u00ed zdarma, ale to jen proto, \u017ee si pak vezmou o to vy\u0161\u0161\u00ed poplatky, kter\u00e9 budete m\u00edt n\u00e1sledn\u011b v\u00a0nov\u00e9 spl\u00e1tce.Oddlu\u017een\u00ed nen\u00ed vhodn\u00e9 pro ka\u017ed\u00e9hoTo, \u017ee va\u0161e \u017e\u00e1dost by byla schv\u00e1lena neznamen\u00e1, \u017ee je to vhodn\u00e9 \u0159e\u0161en\u00ed pr\u00e1v\u011b pro v\u00e1s. Pokud je\u0161t\u011b \u00fav\u011bry po splatnosti nem\u00e1te a je mo\u017en\u00e9 dos\u00e1hnout na konsolidaci, je to kolikr\u00e1t levn\u011bj\u0161\u00ed varianta, a nav\u00edc nebudete muset platit poplatky za insolvenci. Pokud na konsolidaci nedos\u00e1hnete a m\u016f\u017eete po\u017e\u00e1dat n\u011bkoho, aby si \u00fav\u011br vzal na sebe (s t\u00edm, \u017ee u\u017e si vy sami, a\u017e do zaplacen\u00ed cel\u00e9ho dluhu, \u017e\u00e1dn\u00e9 p\u016fj\u010dky br\u00e1t nebudete). Mo\u017en\u00e1 tak dos\u00e1hnete je\u0161t\u011b na ni\u017e\u0161\u00ed spl\u00e1tku a ni\u017e\u0161\u00ed \u00faroky, obzvl\u00e1\u0161t\u011b, pokud m\u00e1te p\u016fvodn\u00ed z\u00e1vazky od nebankovn\u00edch spole\u010dnost\u00ed a nov\u011b \u017e\u00e1d\u00e1te v\u00a0bance. V\u00a0p\u0159\u00edpad\u011b, \u017ee ale nechcete dlu\u017eit takovou velkou \u010d\u00e1stku a nen\u00ed pro v\u00e1s prioritn\u00ed nem\u00edt tzv. \u201ez\u00e1znam v\u00a0registru\u201c, je insolvence vhodn\u00e1 pr\u00e1v\u011b pro v\u00e1s.To, jestli na insolvenci dos\u00e1hnete, z\u00e1vis\u00ed na celkov\u00e9 v\u00fd\u0161i p\u016fj\u010dek a na v\u00fd\u0161i va\u0161\u00ed \u010dist\u00e9 mzdy \u2013 tady bohu\u017eel ztroskot\u00e1 velk\u00e1 v\u011bt\u0161ina p\u0159\u00edpad\u016f. Proto\u017ee z\u00a0tohoto p\u0159\u00edjmu se mus\u00ed vypo\u010d\u00edtat \u017eivotn\u00ed minimum pro v\u00e1s a ka\u017ed\u00e9ho nezaopat\u0159en\u00e9ho \u010dlena dom\u00e1cnosti, ke kter\u00e9mu m\u00e1te vy\u017eivovac\u00ed povinnosti. M\u016f\u017ee se tak lehce st\u00e1t, \u017ee i pokud m\u00e1te p\u0159\u00edjem 20.000 K\u010d, na oddlu\u017een\u00ed nedos\u00e1hnete. Vypo\u010d\u00edtat to lze p\u0159es insolven\u010dn\u00ed kalkula\u010dku online \u2013 tak\u017ee hned v\u00edte, na \u010dem jste.\u00a0Nejlep\u0161\u00ed je samoz\u0159ejm\u011b prevence \u2013 neberte si zbyte\u010dn\u00e9 p\u016fj\u010dky (nap\u0159\u00edklad na v\u00e1no\u010dn\u00ed d\u00e1rky) a v\u017edy m\u011bjte schovanou rezervu nebo alespo\u0148 poji\u0161t\u011bn\u00ed, kdyby n\u00e1hodou do\u0161lo k\u00a0v\u00fdpadku p\u0159\u00edjmu.                                                                                                                                                                                                                                                                                                                                                                                        5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Insolvence \u2013 \u0159e\u0161en\u00ed pro ka\u017ed\u00e9ho?","item":"https:\/\/www.nagyn.cz\/insolvence-reseni-pro-kazdeho\/#breadcrumbitem"}]}]