{"id":2874,"date":"2020-10-01T16:07:14","date_gmt":"2020-10-01T14:07:14","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2874"},"modified":"2020-11-25T16:12:37","modified_gmt":"2020-11-25T15:12:37","slug":"osobny-bankrot-poradime-vam-ako-postupovat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/osobny-bankrot-poradime-vam-ako-postupovat\/","title":{"rendered":"Osobn\u00fd bankrot: Porad\u00edme v\u00e1m, ako postupova\u0165"},"content":{"rendered":"<p><b>\u0160t\u00e1t u\u017e nieko\u013eko rokov umo\u017e\u0148uje zadl\u017een\u00fdm \u013eu\u010fom vymani\u0165 sa z tzv. \u201edlhovej pasce\u201c a prejs\u0165 s pomocou Centra pr\u00e1vnej pomoci procesom osobn\u00e9ho bankrotu formou konkurzu alebo spl\u00e1tkov\u00e9ho kalend\u00e1ra. Naj\u010dastej\u0161ie sa \u013eudia rozhodn\u00fa pre osobn\u00fd bankrot, ke\u010f nie s\u00fa schopn\u00ed spl\u00e1ca\u0165 <a href=\"https:\/\/www.fingo.sk\/blog\/odklad-splatok-alebo-radsej-refinancovanie\/\">nev\u00fdhodn\u00e9 p\u00f4\u017ei\u010dky<\/a> a rast\u00fa im \u00faroky z ome\u0161kania. N\u00e1sledne sa dost\u00e1vaj\u00fa do platobnej neschopnosti a \u017eiadaj\u00fa o oddl\u017eenie. Ako sa m\u00f4\u017eete k\u00a0pomoci dosta\u0165 a\u00a0ak\u00e9 podmienky mus\u00edte splni\u0165?<\/b><\/p>\n<h2><span style=\"color: #ec8124;\"><b>\u010co je to osobn\u00fd bankrot<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u201cOsobn\u00fd bankrot\u201c je hovorov\u00fd pojem, ktor\u00fd sa pou\u017e\u00edva na ozna\u010denie procesu, ktor\u00fdm sa<strong> fyzick\u00e1 osoba podnikate\u013e alebo nepodnikate\u013e m\u00f4\u017ee zbavi\u0165 svojich dlhov<\/strong>. Pojem \u201eosobn\u00fd bankrot\u201c neobsahuje \u017eiadny pr\u00e1vny predpis. Z\u00e1kon \u010d. 7\/2005 Z. z. o\u00a0konkurze a re\u0161trukturaliz\u00e1cii (\u010falej len \u201ez\u00e1kon\u201c) pod t\u00fdmto pojmom rozumie oddl\u017eenie konkurzom alebo spl\u00e1tkov\u00fdm kalend\u00e1rom. Podstatou je, aby ste sa zbavili dlhov, ktor\u00e9 nie ste schopn\u00ed spl\u00e1ca\u0165.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Doteraz po\u017eiadalo o\u00a0bankrot 35- tis\u00edc \u013eud\u00ed\u00a0<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">V minulom roku zbankrotovalo na Slovensku <strong>historicky najviac dl\u017en\u00edkov,<\/strong> a to viac ako 16- tis\u00edc \u013eud\u00ed. Od uvo\u013enenia legislat\u00edvy v\u00a0roku 2017 a\u017e doteraz skrachovalo takmer 35- tis\u00edc \u013eud\u00ed. Z\u00e1v\u00e4zky, ktor\u00e9 dl\u017en\u00edci \u017eiadaj\u00faci o osobn\u00fd bankrot zv\u00e4\u010d\u0161a maj\u00fa, sa pohybuj\u00fa v objeme minim\u00e1lne 100- tis\u00edc eur, pre zauj\u00edmavos\u0165, maxim\u00e1lny dlh bol doteraz vo v\u00fd\u0161ke 5 mili\u00f3nov eur. R\u00f4zne s\u00fa aj po\u010dty exeku\u010dn\u00fdch konan\u00ed veden\u00fdch vo\u010di dl\u017en\u00edkom, ktor\u00ed \u017eiadali o osobn\u00fd bankrot. Vo v\u0161eobecnosti s\u00fa tieto po\u010dty okolo 40 \u2013 50 a\u017e 80 exek\u00faci\u00ed. Osobitn\u00fdm pr\u00edpadom je dl\u017en\u00edk s 305 verite\u013emi.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Ak\u00e9 s\u00fa podmienky osobn\u00e9ho bankrotu<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Od za\u010diatku tohto roka do\u0161lo k \u00faprave podmienok oddl\u017eenia.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Predt\u00fdm bolo podmienkou vyhl\u00e1senia konkurzu, aby mal dl\u017en\u00edk exek\u00faciu na svoj majetok. T\u00e1to podmienka sa po novom spresnila a u\u017e ide o <\/span><b>exek\u00faciu, ktor\u00e1 trv\u00e1 minim\u00e1lne jeden rok.<\/b> <span style=\"font-weight: 400;\">Cie\u013eom zmeny bolo s\u0165a\u017ei\u0165 mo\u017en\u00fa \u0161pekul\u00e1ciu nepoctiv\u00fdch dl\u017en\u00edkov, ktor\u00ed napr\u00edklad uznan\u00edm dlhu vedeli ve\u013emi r\u00fdchlo privodi\u0165 splnenie podmienok pre osobn\u00fd bankrot.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cel\u00fd proces sa po novom nerozde\u013euje na konkurz a samotn\u00e9 oddl\u017eenie. <\/span><b>Dl\u017en\u00edci si m\u00f4\u017eu<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><b>vybra\u0165, <\/b><span style=\"font-weight: 400;\">\u010di sa bud\u00fa zbavova\u0165 svojich dlhov konkurzom alebo formou spl\u00e1tkov\u00e9ho kalend\u00e1ra.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rovnako sa u\u017e nevy\u017eaduje \u017eiadna trojro\u010dn\u00e1 sk\u00fa\u0161obn\u00e1 doba a <\/span><b>pribudla nepostihnute\u013en\u00e1 hodnota obydl\u00ed <\/b><span style=\"font-weight: 400;\">predstavuj\u00faca sumu, ktor\u00fa si \u013eudia m\u00f4\u017eu uchr\u00e1ni\u0165 a pou\u017ei\u0165 ju na zabezpe\u010denie b\u00fdvania. Nariaden\u00edm vl\u00e1dy bola stanoven\u00e1 do v\u00fd\u0161ky 10- tis\u00edc eur vypl\u00e1can\u00fdch v mesa\u010dn\u00fdch intervaloch po 250 eur.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Zaviedlo sa, \u017ee<\/span><b> rozhodnutie o zru\u0161en\u00ed oddl\u017eenia <\/b><span style=\"font-weight: 400;\">sa m\u00e1 publikova\u0165 obdobne ako rozhodnutie o oddl\u017een\u00ed dl\u017en\u00edka. Veritelia tak u\u017e nie s\u00fa odk\u00e1zan\u00ed len na vyh\u013ead\u00e1vanie zru\u0161en\u00fdch oddl\u017een\u00ed v registri diskvalifik\u00e1ci\u00ed.<\/span><\/li>\n<\/ul>\n<h2><img decoding=\"async\" class=\"aligncenter wp-image-2150\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/kde-u\u0161etri\u0165.jpg\" alt=\"smutn\u00ed rodi\u010dia a die\u0165a sedia pri stole\" width=\"500\" height=\"307\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/kde-u\u0161etri\u0165.jpg 1803w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/kde-u\u0161etri\u0165-300x184.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/kde-u\u0161etri\u0165-768x472.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/kde-u\u0161etri\u0165-1024x629.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/kde-u\u0161etri\u0165-1080x664.jpg 1080w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/h2>\n<h2><span style=\"color: #ec8124;\"><b>Ako vyhl\u00e1si\u0165 osobn\u00fd bankrot<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak sa rozhodnete pre osobn\u00fd bankrot, <strong>m\u00f4\u017eete si zvoli\u0165<\/strong>, \u010di vyhl\u00e1site konkurz alebo po\u017eiadate o\u00a0spl\u00e1tkov\u00fd kalend\u00e1r. S\u00a0oboma formami sa obr\u00e1tite na Centrum pr\u00e1vnej pomoci, a\u00a0to bu\u010f <strong>telefonicky, mailom alebo osobne<\/strong> pod\u013ea miesta trval\u00e9ho pobytu.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Centrum pr\u00e1vnej pomoci bude od v\u00e1s vy\u017eadova\u0165 tieto dokumenty:\u00a0<\/b><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">zoznam majetku<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">zoznam spriaznen\u00fdch os\u00f4b<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">zoznam majetku v\u00e4\u010d\u0161ej hodnoty, ktor\u00fd\u00a0 ste vlastnili v posledn\u00fdch troch rokoch<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u017eivotopis s opisom aktu\u00e1lnej \u017eivotnej situ\u00e1cie<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">vyhl\u00e1senie o platobnej neschopnosti<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">doklad preukazuj\u00faci vedenie exeku\u010dn\u00e9ho alebo in\u00e9ho vykon\u00e1vacieho konania nie star\u0161\u00ed ako 30 dn\u00ed (potvrdenie od exek\u00fatora alebo internetov\u00fd v\u00fdpis z centr\u00e1lneho registra exek\u00faci\u00ed)<\/span><\/li>\n<\/ul>\n<p><b>S\u00fad je povinn\u00fd do 15 dn\u00ed od doru\u010denia v\u00e1\u0161ho n\u00e1vrhu rozhodn\u00fa\u0165.<\/b><span style=\"font-weight: 400;\"> M\u00f4\u017ee n\u00e1vrh odmietnu\u0165 alebo vyhl\u00e1si konkurz, resp. v\u00e1m ur\u010d\u00ed spl\u00e1tkov\u00fd kalend\u00e1r. T\u00fdmto rozhodnut\u00edm v\u00e1m poskytuje ochranu pred verite\u013emi. Priamo v tomto rozhodnut\u00ed ustanov\u00ed, \u017ee sa zbavujete dlhov, z\u00e1rove\u0148 ustanov\u00ed spr\u00e1vcu a va\u0161ich verite\u013eov vyzve, aby prihl\u00e1sili svoje poh\u013ead\u00e1vky. T\u00fdmto v podstate <strong>doch\u00e1dza k v\u00e1\u0161mu oddl\u017eeniu.<\/strong><\/span><\/p>\n<h2><span style=\"color: #ec8124;\">Konkurz a spl\u00e1tkov\u00fd kalend\u00e1r &#8211; ak\u00fd je medzi nimi rozdiel<\/span><\/h2>\n<h3><span style=\"color: #ec8124;\"><b>Konkurz<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Tento sp\u00f4sob oddl\u017eenia je v s\u00fa\u010dasnosti <strong>najvyu\u017e\u00edvanej\u0161\u00ed, nemus\u00edte ma\u0165 majetok ani pr\u00edjem<\/strong>. Pokia\u013e v\u0161ak nejak\u00fd majetok m\u00e1te, spe\u0148a\u017e\u00ed sa v\u00e1m a pr\u00eddete o\u0148. Oddl\u017eenie formou konkurzu sa odpor\u00fa\u010da dl\u017en\u00edkom, ktor\u00ed maj\u00fa v\u00e4\u010d\u0161ie dlhy ako je ich majetok, resp. ak nemaj\u00fa \u017eiadny majetok a maj\u00fa n\u00edzky alebo <a href=\"https:\/\/www.fingo.sk\/blog\/ako-financne-zvladnut-pandemiu-pomozeme-vam-online\/\">\u017eiadny pr\u00edjem<\/a>. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Po vyhl\u00e1sen\u00ed oddl\u017eenia s\u00fadom sa zastavuj\u00fa v\u0161etky exeku\u010dn\u00e9 konania, okrem v\u00fdnimiek uveden\u00fdch vy\u0161\u0161ie, a dl\u017en\u00edkovi u\u017e nie je mo\u017en\u00e9 zr\u00e1\u017ea\u0165 z pr\u00edjmu \u017eiadne peniaze. Taktie\u017e vyhl\u00e1sen\u00edm oddl\u017eenia zanik\u00e1 bezpodielov\u00e9 spoluvlastn\u00edctvo man\u017eelov.<\/span><\/p>\n<h4><span style=\"color: #ec8124;\"><b>Ako postupova\u0165<\/b><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Telefonicky alebo osobne si zarezervujete<strong> term\u00edn konzult\u00e1cie pod\u013ea miesta trval\u00e9ho bydliska<\/strong>. V konan\u00ed o oddl\u017een\u00ed mus\u00edte sp\u013a\u0148a\u0165 <\/span><span style=\"font-weight: 400;\">nasleduj\u00face podmienky:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">osved\u010d\u00edte, \u017ee je vo\u010di v\u00e1m veden\u00e9 aspo\u0148 jedno exeku\u010dn\u00e9 alebo obdobn\u00e9 vykon\u00e1vacie konanie, ktor\u00e9 prebieha minim\u00e1lne 1 rok. Potrebujete k tomu doklad nie star\u0161\u00ed ako 30 dn\u00ed,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">nie s\u00fa tu zrejm\u00e9 d\u00f4vody, pre ktor\u00e9 s\u00fad nevyhl\u00e1si konkurz,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">uzavriete s Centrom <strong>Zmluvu o p\u00f4\u017ei\u010dke a dohodu o spl\u00e1tkach<\/strong><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Po splnen\u00ed v\u0161etk\u00fdch podmienok v\u00e1m vyd\u00e1 Centrum rozhodnutie o priznan\u00ed n\u00e1roku na pr\u00e1vnu pomoc, ktor\u00e9 v\u00e1m doru\u010d\u00ed. N\u00e1sledne vo va\u0161om mene pod\u00e1 n\u00e1vrh na vyhl\u00e1senie konkurzu.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Spl\u00e1tkov\u00fd kalend\u00e1r<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Tento sp\u00f4sob oddl\u017eenia je vhodn\u00fd <strong>pre dl\u017en\u00edkov, ktor\u00ed maj\u00fa pravideln\u00fd pr\u00edjem.<\/strong> Pri spl\u00e1tkovom kalend\u00e1ri v\u00e1m zost\u00e1va cel\u00fd majetok. Podmienkou, okrem u\u017e uveden\u00fdch, je zaplatenie sumy cca 700 eur, ktor\u00e1 pozost\u00e1va z 500 eur na preddavok spr\u00e1vcu konkurznej podstaty a cca 200 eur advok\u00e1tovi, ktor\u00e9ho v\u00e1m ur\u010d\u00ed Centrum. Advok\u00e1ta si m\u00f4\u017eete vybra\u0165 sami alebo v\u00fdber nech\u00e1te na Centre.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-2366\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/cas-peniaze.jpg\" alt=\"bud\u00edk a eur\u00e1\" width=\"500\" height=\"333\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/cas-peniaze.jpg 1731w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/cas-peniaze-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/cas-peniaze-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/cas-peniaze-1024x683.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/cas-peniaze-1080x720.jpg 1080w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<h4><span style=\"color: #ec8124;\"><b>Ako postupova\u0165<\/b><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pri oddl\u017een\u00ed spl\u00e1tkov\u00fdm kalend\u00e1rom mus\u00edte by\u0165 zast\u00fapen\u00fd advok\u00e1tom.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak spln\u00edte v\u0161etky podmienky, s\u00fad v\u00e1m <strong>po doru\u010den\u00ed n\u00e1vrhu do 15 dn\u00ed<\/strong> poskytne ochranu pred verite\u013emi (najdlh\u0161ie na tri roky), ustanov\u00ed spr\u00e1vcu a\u00a0ulo\u017e\u00ed v\u00e1m povinnos\u0165, aby ste na \u00fa\u010det spr\u00e1vcu zlo\u017eili preddavok na pau\u0161\u00e1lnu odmenu a pau\u0161\u00e1lnu n\u00e1hradu nevyhnutn\u00fdch n\u00e1kladov spojen\u00fdch s veden\u00edm konania.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Spr\u00e1vca m\u00e1 potom 45 dn\u00ed<\/strong> odo d\u0148a zlo\u017eenia preddavku, aby presk\u00famal va\u0161e pomery a zostavil v\u00e1m n\u00e1vrh spl\u00e1tkov\u00e9ho kalend\u00e1ra.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Spl\u00e1tkov\u00fd kalend\u00e1r sa ur\u010duje tak, aby ste splatili <strong>minim\u00e1lne 30 % v\u0161etk\u00fdch svojich dlhov do 5 rokov<\/strong>. S\u00fad primerane ur\u010d\u00ed, ko\u013eko percent v rozp\u00e4t\u00ed od 30 % do 100 % va\u0161ich nezabezpe\u010den\u00fdch dlhov budete musie\u0165\u00a0 uhradi\u0165.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rovnako, ako pri konkurze, aj pri spl\u00e1tkovom kalend\u00e1ri sa zastavuj\u00fa v\u0161etky exeku\u010dn\u00e9 konania, ktor\u00e9 s\u00fa vo\u010di v\u00e1m veden\u00e9 vo\u010di dl\u017en\u00edkovi. <\/span><span style=\"font-weight: 400;\">Ak s\u00fad ur\u010d\u00ed spl\u00e1tkov\u00fd kalend\u00e1r, ide o d\u00f4vod, aby sa bez zbyto\u010dn\u00e9ho odkladu rozhodlo o zastaven\u00ed exek\u00faci\u00ed.<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\"><b>Na \u010do sa osobn\u00fd bankrot nevz\u0165ahuje?<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Je nieko\u013eko druhov finan\u010dn\u00fdch z\u00e1v\u00e4zkov, na ktor\u00e9 sa osobn\u00fd bankrot nevz\u0165ahuje.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Dlhy z v\u00fd\u017eivn\u00e9ho<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Zabezpe\u010den\u00e1 poh\u013ead\u00e1vka, napr\u00edklad <a href=\"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky\/\">hypot\u00e9ka<\/a><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Poh\u013ead\u00e1vka, ktor\u00fa mus\u00edte uhradi\u0165 za sp\u00f4soben\u00e9 \u0161kody<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pracovnopr\u00e1vne n\u00e1roky vo\u010di dl\u017en\u00edkovi<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pe\u0148a\u017en\u00fd trest pod\u013ea Trestn\u00e9ho konania<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nepe\u0148a\u017en\u00e9 poh\u013ead\u00e1vky<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Poh\u013ead\u00e1vka z p\u00f4\u017ei\u010dky poskytnutej Centrom pr\u00e1vnej pomoci<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u0160t\u00e1t u\u017e nieko\u013eko rokov umo\u017e\u0148uje zadl\u017een\u00fdm \u013eu\u010fom vymani\u0165 sa z tzv. \u201edlhovej pasce\u201c a prejs\u0165 s pomocou Centra pr\u00e1vnej pomoci procesom osobn\u00e9ho bankrotu formou konkurzu alebo spl\u00e1tkov\u00e9ho kalend\u00e1ra. Naj\u010dastej\u0161ie sa \u013eudia rozhodn\u00fa pre osobn\u00fd bankrot, ke\u010f nie s\u00fa schopn\u00ed spl\u00e1ca\u0165 nev\u00fdhodn\u00e9 p\u00f4\u017ei\u010dky a rast\u00fa im \u00faroky z ome\u0161kania. N\u00e1sledne sa dost\u00e1vaj\u00fa do platobnej neschopnosti a \u017eiadaj\u00fa o oddl\u017eenie. Ako sa m\u00f4\u017eete k\u00a0pomoci dosta\u0165 a\u00a0ak\u00e9 podmienky mus\u00edte splni\u0165? \u010co je to osobn\u00fd bankrot \u201cOsobn\u00fd bankrot\u201c je hovorov\u00fd pojem, ktor\u00fd sa pou\u017e\u00edva na ozna\u010denie procesu, ktor\u00fdm sa fyzick\u00e1 osoba podnikate\u013e alebo nepodnikate\u013e m\u00f4\u017ee zbavi\u0165 svojich dlhov. Pojem \u201eosobn\u00fd bankrot\u201c neobsahuje \u017eiadny pr\u00e1vny predpis. Z\u00e1kon \u010d. 7\/2005 Z. z. o\u00a0konkurze a re\u0161trukturaliz\u00e1cii (\u010falej len \u201ez\u00e1kon\u201c) pod t\u00fdmto pojmom rozumie oddl\u017eenie konkurzom alebo spl\u00e1tkov\u00fdm kalend\u00e1rom. Podstatou je, aby ste sa zbavili dlhov, ktor\u00e9 nie ste schopn\u00ed spl\u00e1ca\u0165. Doteraz po\u017eiadalo o\u00a0bankrot 35- tis\u00edc \u013eud\u00ed\u00a0 V minulom roku zbankrotovalo na Slovensku historicky najviac dl\u017en\u00edkov, a to viac ako 16- tis\u00edc \u013eud\u00ed. Od uvo\u013enenia legislat\u00edvy v\u00a0roku 2017 a\u017e doteraz skrachovalo takmer 35- tis\u00edc \u013eud\u00ed. Z\u00e1v\u00e4zky, ktor\u00e9 dl\u017en\u00edci \u017eiadaj\u00faci o osobn\u00fd bankrot zv\u00e4\u010d\u0161a maj\u00fa, sa pohybuj\u00fa v objeme minim\u00e1lne 100- tis\u00edc eur, pre zauj\u00edmavos\u0165, maxim\u00e1lny dlh bol doteraz vo v\u00fd\u0161ke 5 mili\u00f3nov eur. R\u00f4zne s\u00fa aj po\u010dty exeku\u010dn\u00fdch [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":2876,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,73],"tags":[187,185,186],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Osobn\u00fd bankrot: Porad\u00edme v\u00e1m, ako postupova\u0165 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Naj\u010dastej\u0161ie sa \u013eudia rozhodn\u00fa pre osobn\u00fd bankrot, ke\u010f nie s\u00fa schopn\u00ed spl\u00e1ca\u0165 nev\u00fdhodn\u00e9 p\u00f4\u017ei\u010dky a rast\u00fa im \u00faroky z ome\u0161kania. 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