[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aknet.cz\/produkty\/co-vas-ceka-pri-insolvenci\/#Article","mainEntityOfPage":"https:\/\/www.aknet.cz\/produkty\/co-vas-ceka-pri-insolvenci\/","headline":"Co v\u00e1s \u010dek\u00e1 p\u0159i insolvenci?","name":"Co v\u00e1s \u010dek\u00e1 p\u0159i insolvenci?","description":"Insolvence se tak\u00e9 n\u011bkdy naz\u00fdv\u00e1 oddlu\u017een\u00edm, nebo osobn\u00edm bankrotem. V \u010dem spo\u010d\u00edv\u00e1? \u010clov\u011bk si mus\u00ed o insolvenci za\u017e\u00e1dat u soudu. Za\u017e\u00e1d\u00e1te si o n\u00ed ve chv\u00edli, kdy dlu\u017e\u00edte v\u00edce pen\u011bz, ne\u017e zvl\u00e1d\u00e1te spl\u00e1cet. Nej\u010dast\u011bji \u017e\u00e1daj\u00ed lid\u00e9, kte\u0159\u00ed maj\u00ed na krku n\u011bkolik dlu\u017en\u00fdch \u010d\u00e1stek, a hroz\u00ed jim exekuce. Pokud m\u00e1me t\u0159eba...","datePublished":"2024-02-26","dateModified":"2024-02-26","author":{"@type":"Person","@id":"https:\/\/www.aknet.cz\/author\/#Person","name":"","url":"https:\/\/www.aknet.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":"aknet.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aknet.cz\/wp-content\/uploads\/towfiqu-barbhuiya-3aGZ7a97qwA-unsplash_3.jpg","url":"https:\/\/www.aknet.cz\/wp-content\/uploads\/towfiqu-barbhuiya-3aGZ7a97qwA-unsplash_3.jpg","height":0,"width":0},"url":"https:\/\/www.aknet.cz\/produkty\/co-vas-ceka-pri-insolvenci\/","about":["Produkty"],"wordCount":421,"articleBody":"          Insolvence se tak\u00e9 n\u011bkdy naz\u00fdv\u00e1 oddlu\u017een\u00edm, nebo osobn\u00edm bankrotem. V \u010dem spo\u010d\u00edv\u00e1? \u010clov\u011bk si mus\u00ed o insolvenci za\u017e\u00e1dat u soudu. Za\u017e\u00e1d\u00e1te si o n\u00ed ve chv\u00edli, kdy dlu\u017e\u00edte v\u00edce pen\u011bz, ne\u017e zvl\u00e1d\u00e1te spl\u00e1cet. Nej\u010dast\u011bji \u017e\u00e1daj\u00ed lid\u00e9, kte\u0159\u00ed maj\u00ed na krku n\u011bkolik dlu\u017en\u00fdch \u010d\u00e1stek, a hroz\u00ed jim exekuce. Pokud m\u00e1me t\u0159eba nad sebou hrozbu, \u017ee p\u0159ijdeme o d\u016fm vlivem exekuc\u00ed, tak je daleko lep\u0161\u00ed varianta za\u017e\u00e1dat si o insolvenci.Ve chv\u00edli, kdy si o n\u00ed za\u017e\u00e1d\u00e1te, d\u00e1 soud mo\u017enost v\u011b\u0159itel\u016fm, kter\u00fdm dlu\u017e\u00edte, aby se p\u0159ihl\u00e1sili k va\u0161\u00ed osob\u011b. Kdo se nep\u0159ihl\u00e1s\u00ed ve stanoven\u00e9 lh\u016ft\u011b, m\u00e1 v podstat\u011b sm\u016flu a pokud dokon\u010d\u00edte \u00fasp\u011b\u0161n\u011b insolvenci, sv\u00e9 pen\u00edze u\u017e nikdy neuvid\u00ed. Soud v\u00e1m pak ulo\u017e\u00ed, abyste z celkov\u00e9 dlu\u017en\u00e9 \u010d\u00e1stky zaplatili ur\u010dit\u00e1 procenta. Nejm\u00e9n\u011b to v\u0161ak b\u00fdv\u00e1 30 %.Pot\u00e9 v\u00e1m je p\u0159id\u011blen insolven\u010dn\u00ed spr\u00e1vce. Ten v\u00e1s bude po dobu insolvence zastupovat. A pot\u00e9 se v\u00e1m bude ka\u017ed\u00fd m\u011bs\u00edc z va\u0161ich p\u0159\u00edjm\u016f strh\u00e1vat ur\u010dit\u00e1 \u010d\u00e1stka. V\u011bt\u0161inou to v podstat\u011b dopadne tak, \u017ee v\u00e1m z\u016fstane jen nezbytn\u00e9 minimum, a z toho mus\u00edte vy\u017e\u00edt. Insolvence trv\u00e1 p\u011bt let.B\u011bhem insolvence samoz\u0159ejm\u011b nem\u016f\u017eete br\u00e1t \u017e\u00e1dn\u00e9 p\u016fj\u010dky nebo finan\u010dn\u00ed z\u00e1vazky. Nen\u00ed t\u0159eba mo\u017en\u00e9, abyste si po dobu insolvence vzali hypot\u00e9ku. Ale to nen\u00ed mo\u017en\u00e9 ani po insolvenci.Po dobu insolvence jste zaps\u00e1n\u00ed v takzvan\u00e9m insolven\u010dn\u00edm rejst\u0159\u00edku. A va\u0161e jm\u00e9no v n\u011bm bude je\u0161t\u011b p\u011bt let po tom, co splat\u00edte sv\u00e9 z\u00e1vazky a ani b\u011bhem t\u00e9to doby v\u00e1m banka neposkytne \u017e\u00e1dn\u00e9 p\u016fj\u010dky. V\u00ed toti\u017e, \u017ee po dobu, co jste p\u011bt let spl\u00e1celi takov\u00e9 \u010d\u00e1stky, asi jen t\u011b\u017eko te\u010f budete m\u00edt pen\u00edze, abyste spl\u00e1celi n\u011bjak\u00e9 p\u016fj\u010dky.Pokud ale pen\u00edze nebo n\u011bjak\u00e9 financov\u00e1n\u00ed opravdu pot\u0159ebujete, tak jsou mo\u017enosti. N\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti v\u00e1m nab\u00edz\u00ed t\u0159eba nebankovn\u00ed hypot\u00e9ku i pro lidi po insolvenci, nebo leasingov\u00e9 spole\u010dnosti maj\u00ed \u010dasto nab\u00eddky auta na spl\u00e1tky po ukon\u010den\u00ed insolvence, pokud budete pot\u0159ebovat nov\u00fd v\u016fz.                                                                                                                                                                                                                                                                                                                                                                                                  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