[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.protonix.sk\/premyslali-ste-uz-nad-osobnym-bankrotom\/#Article","mainEntityOfPage":"https:\/\/www.protonix.sk\/premyslali-ste-uz-nad-osobnym-bankrotom\/","headline":"Prem\u00fd\u0161\u013eali ste u\u017e nad osobn\u00fdm bankrotom?","name":"Prem\u00fd\u0161\u013eali ste u\u017e nad osobn\u00fdm bankrotom?","description":"V Nemecku \u00faplne norm\u00e1lna vec \/i v USA a Ve\u013ekej Brit\u00e1nii\/, u n\u00e1s zatia\u013e o\u0148 po\u017eiadalo len minim\u00e1lne percento \u013eud\u00ed s t\u00fdmito probl\u00e9mami, hoci z\u00e1kon o bankrote je platn\u00fd u\u017e od roku 2006! Na to, aby ste mohli vyhl\u00e1si\u0165 osobn\u00fd bankrot, mus\u00edte sp\u013a\u0148a\u0165 zop\u00e1r n\u00e1le\u017eitost\u00ed. Kto vlastne m\u00f4\u017ee o osobn\u00fd bankrot po\u017eiada\u0165? Najprv mus\u00edte by\u0165","datePublished":"2025-02-28","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.protonix.sk\/author\/#Person","name":"protonix.sk\n","url":"https:\/\/www.protonix.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"protonix.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.protonix.sk\/wp-content\/uploads\/img_a280277_w2005_t1493285713.jpg","url":"https:\/\/www.protonix.sk\/wp-content\/uploads\/img_a280277_w2005_t1493285713.jpg","height":0,"width":0},"url":"https:\/\/www.protonix.sk\/premyslali-ste-uz-nad-osobnym-bankrotom\/","about":["Financie"],"wordCount":393,"articleBody":"V Nemecku \u00faplne norm\u00e1lna vec \/i v USA a Ve\u013ekej Brit\u00e1nii\/, u n\u00e1s zatia\u013e o\u0148 po\u017eiadalo len minim\u00e1lne percento \u013eud\u00ed s t\u00fdmito probl\u00e9mami, hoci z\u00e1kon o bankrote je platn\u00fd u\u017e od roku 2006! Na to, aby ste mohli vyhl\u00e1si\u0165 osobn\u00fd bankrot, mus\u00edte sp\u013a\u0148a\u0165 zop\u00e1r n\u00e1le\u017eitost\u00ed.\t\tKto vlastne m\u00f4\u017ee o osobn\u00fd bankrot po\u017eiada\u0165?Najprv mus\u00edte by\u0165 platobne neschopn\u00fd, to znamen\u00e1, \u017ee nevl\u00e1dzete spl\u00e1ca\u0165 svoje z\u00e1v\u00e4zky aspo\u0148 po dobu jedn\u00e9ho mesiaca po ich splatnosti a m\u00e1te viac ako jedn\u00e9ho verite\u013ea. N\u00e1sledne do 30 dn\u00ed po\u017eiadate na s\u00fade o vyhl\u00e1senie konkurzu spolu s n\u00e1vrhom na oddl\u017eenie. Je v tom v\u0161ak mal\u00fd h\u00e1\u010dik. M\u00f4\u017eete ho vyhl\u00e1si\u0165 len v tedy ak m\u00e1te majetok v nejakej minim\u00e1lnej v\u00fd\u0161ke, konkr\u00e9tne je to suma 1659,70,- \u20ac.Pokia\u013e tak urob\u00edte a sp\u013a\u0148ate podmienku o v\u00fd\u0161ke majetku, zarad\u00edte sa medzi dl\u017en\u00edkov, ktor\u00ed podliehaj\u00fa mal\u00e9mu konkurzu. N\u00e1sledne je v\u00e1m pridelen\u00fd spr\u00e1vca konkurznej podstaty, zist\u00ed skuto\u010dn\u00fa hodnotu v\u00e1\u0161ko majetku, spe\u0148a\u017e\u00ed ho, a rovn\u00fdm dielom \u010diastkovo uspokoj\u00ed v\u0161etk\u00fdch verite\u013eov. Toto trv\u00e1 pribli\u017ene 6 mesiacov, z\u00e1vis\u00ed od po\u010dtu va\u0161ich verite\u013eov, a kedy a ako sa spe\u0148a\u017e\u00ed v\u00e1\u0161 majetok.Ubezpe\u010dte sa, aby sa prihl\u00e1sili v\u0161etci va\u0161i veritelia, ak by sa nejak\u00fd \u201epozabudol\u201c, po uplynut\u00ed sk\u00fa\u0161obn\u00e9ho obdobia a vymazan\u00ed dlhov sa m\u00f4\u017ee prihl\u00e1si\u0165 a po\u017eadova\u0165 splatenie z\u00e1v\u00e4zkov!A teraz pozor, dost\u00e1vame sa k druhej a najpodstatnej\u0161ej \u010dasti kalv\u00e1rie, zvanej osobn\u00fd bankrot. Ide o vlastn\u00fd proces oddl\u017eenia. Po\u010das nasleduj\u00facich troch rokov ste v sk\u00fa\u0161obnom obdob\u00ed, kedy budete povinne plati\u0165 s\u00fadom stanoven\u00e9 ro\u010dn\u00e9 spl\u00e1tky. M\u00f4\u017eu dosahova\u0165 a\u017e 70 percent z \u010dist\u00e9ho pr\u00edjmu! Ak nie\u010do z t\u00fdchto podmienok nespln\u00edte alebo ich poru\u0161\u00edte, kon\u010d\u00edte, a ste zase na za\u010diatku so v\u0161etk\u00fdmi svojimi dlhmi na krku.\u00a0Podarilo sa? Tri roky ubehli ako voda a vy ste kone\u010dne skoncovali s dlhmi? Gratulujeme, po dobe \u0165a\u017ek\u00fdch sk\u00fa\u0161ok op\u00e4\u0165 vy\u0161lo slnce. Nepadnite do tejto finan\u010dnej priepasti e\u0161te raz.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Prem\u00fd\u0161\u013eali ste u\u017e nad osobn\u00fdm bankrotom?","item":"https:\/\/www.protonix.sk\/premyslali-ste-uz-nad-osobnym-bankrotom\/#breadcrumbitem"}]}]