[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lakpro.cz\/zbavit-se-dluhu-muze-dat-lidem-novou-sanci-na-dobry-zivot\/#Article","mainEntityOfPage":"https:\/\/www.lakpro.cz\/zbavit-se-dluhu-muze-dat-lidem-novou-sanci-na-dobry-zivot\/","headline":"Zbavit se dluh\u016f m\u016f\u017ee d\u00e1t lidem novou \u0161anci na dobr\u00fd \u017eivot!","name":"Zbavit se dluh\u016f m\u016f\u017ee d\u00e1t lidem novou \u0161anci na dobr\u00fd \u017eivot!","description":"P\u0159\u00edle\u017eitost oddlu\u017eit se by aktu\u00e1ln\u011b mohlo vyu\u017e\u00edt a\u017e stovka tis\u00edc lid\u00ed u n\u00e1s. Samoz\u0159ejm\u011b d\u00edky zm\u011bn\u00e1m bude sice snaz\u0161\u00ed na mo\u017enost oddlu\u017een\u00ed dos\u00e1hnout, ale bude … ","datePublished":"2025-02-28","dateModified":"2025-02-28","author":{"@type":"Person","@id":"https:\/\/www.lakpro.cz\/author\/#Person","name":"","url":"https:\/\/www.lakpro.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/29b4b7cf61bc7f4a3cff4e7146cbe3cb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/29b4b7cf61bc7f4a3cff4e7146cbe3cb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lakpro.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lakpro.cz\/wp-content\/uploads\/img_a338038_w2725_t1550852028.png","url":"https:\/\/www.lakpro.cz\/wp-content\/uploads\/img_a338038_w2725_t1550852028.png","height":0,"width":0},"url":"https:\/\/www.lakpro.cz\/zbavit-se-dluhu-muze-dat-lidem-novou-sanci-na-dobry-zivot\/","wordCount":508,"articleBody":"P\u0159\u00edle\u017eitost oddlu\u017eit se by aktu\u00e1ln\u011b mohlo vyu\u017e\u00edt a\u017e stovka tis\u00edc lid\u00ed u n\u00e1s. Samoz\u0159ejm\u011b d\u00edky zm\u011bn\u00e1m bude sice snaz\u0161\u00ed na mo\u017enost oddlu\u017een\u00ed dos\u00e1hnout, ale bude tak\u00e9 nutn\u00e9 prok\u00e1zat, \u017ee opravdu dlu\u017en\u00edk \u201ena to m\u00e1\u201c. Tedy bude muset prokazovat, \u017ee u\u017eiv\u00ed sebe a bude schopn\u00fd spl\u00e1cet v\u011b\u0159itel\u016fm alespo\u0148 minim\u00e1ln\u00ed spl\u00e1tky. Spole\u010dnost je v nyn\u00ed v takov\u00e9 situaci, \u017ee je nevyhnuteln\u00e9, aby se skupina, kter\u00e1 je zadlu\u017een\u00e1 nejv\u00edce a \u017eije d\u00edky tomu v kritick\u00fdch podm\u00ednk\u00e1ch, mohla zase dostat zp\u00e1tky do norm\u00e1ln\u00edho \u017eivota a sv\u00e9ho zat\u00ed\u017een\u00ed d\u00edky mo\u017enosti vyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu a n\u00e1sledn\u00e9ho oddlu\u017een\u00ed. Samoz\u0159ejm\u011b zbavit lid\u00ed dluh\u016f jen tak nen\u00ed dlouhodob\u00fdm \u0159e\u0161en\u00edm, proto je nutn\u00e9 trh s p\u016fj\u010dkami \u0159\u00e1dn\u011b regulovat a p\u016fj\u010dov\u00e1n\u00ed pen\u011bz \u0159\u00e1dn\u011b hl\u00eddat a osoby v\u017edy po\u0159\u00e1dn\u011b prov\u011b\u0159it.Podle pl\u00e1novan\u00fdch zm\u011bn by m\u011bl b\u00fdt v tuto chv\u00edli \u0161ir\u0161\u00ed okruh osob, kter\u00e9 by nyn\u00ed dos\u00e1hli pr\u00e1v\u011b na mo\u017enost zbavit se sv\u00e9ho b\u0159\u00edm\u011b. Bude platit, \u017ee dlu\u017en\u00edci budou prokazovat, \u017ee b\u011bhem n\u00e1sleduj\u00edc\u00edch p\u011bti let budou schopni splatit minim\u00e1ln\u011b 30 % p\u0159ihl\u00e1\u0161en\u00fdch pohled\u00e1vek a budou muset d\u00e1le dolo\u017eit, \u017ee jejich p\u0159\u00edjmy jsou alespo\u0148 ve v\u00fd\u0161i, kter\u00e1 se rovn\u00e1 nezabaviteln\u00e9mu minimu a k tomu navrch je\u0161t\u011b alespo\u0148 dva tis\u00edce korun.Potvrzen\u00ed o v\u00fd\u0161i p\u0159\u00edjm\u016f dokl\u00e1d\u00e1 potvrzen\u00ed od zam\u011bstnavatele a d\u00e1le je nutn\u00e9 dolo\u017eit osobn\u00ed pom\u011bry. Tedy zda je \u017eenat\u00fd \u010di vdan\u00e1, kolik m\u00e1 d\u011bt\u00ed, jak\u00e1 \u010d\u00e1stka tedy m\u011bs\u00ed\u010dn\u011b zbude pro \u017eivot a kolik pen\u011bz m\u011bs\u00ed\u010dn\u011b bude moci spl\u00e1cet.Zm\u011bny se tak\u00e9 budou t\u00fdkat v\u00fd\u0161e \u00faroku z prodlen\u00ed, kter\u00e9 \u0159\u00edkaj\u00ed, \u017ee v\u00fd\u0161e \u00farok\u016f nebude moci b\u00fdt vy\u0161\u0161\u00ed, ne\u017e je jistila pohled\u00e1vky, proto\u017ee dle n\u011bkter\u00fdch rozhodnut\u00ed Nejvy\u0161\u0161\u00edho soudu je to nep\u0159\u00edpustn\u00e9 a tak\u00e9 nemravn\u00e9.Samoz\u0159ejm\u011b toto nebude vhod v\u011b\u0159itel\u016fm, kte\u0159\u00ed p\u016fj\u010dili lidem za ur\u010dit\u00fdch podm\u00ednek. Ani po zm\u011bn\u00e1ch ve v\u011bci insolvence nebude v\u0161ak zapomenuto, \u017ee je t\u0159eba se sna\u017eit v\u017edy zaplatit to, co si doty\u010dn\u00fd p\u016fj\u010dil. Bohu\u017eel, jak bylo uvedeno, regulace p\u016fj\u010dek byla v praxi provedena a\u017e v roce 2016 a tedy n\u011bkter\u00e9 p\u016fj\u010dky jsou opravdu velmi nev\u00fdhodn\u00e9 pro spot\u0159ebitele hlavn\u011b d\u00edky nesmysln\u011b vysok\u00fdm \u00farokov\u00fdm sazb\u00e1m a dal\u0161\u00edm poplatk\u016fm vztahuj\u00edc\u00edm se ke spot\u0159ebitelsk\u00fdm \u00fav\u011br\u016fm.St\u00e1t tedy musel nyn\u00ed p\u0159evz\u00edt \u010d\u00e1ste\u010dn\u011b zodpov\u011bdnost za pozdn\u00ed reakci na situaci na trhu s p\u016fj\u010dkami a ud\u011blat nepopul\u00e1rn\u00ed kroky v\u016f\u010di v\u011b\u0159itel\u016fm.                                                                                                                                                                                                                                                                                                                                                                                                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