[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.prolek.cz\/jste-v-insolvenci-a-uz-nevite-co-delat-dal-uver-muzete-dostat-i-po-insolvenci\/#Article","mainEntityOfPage":"https:\/\/www.prolek.cz\/jste-v-insolvenci-a-uz-nevite-co-delat-dal-uver-muzete-dostat-i-po-insolvenci\/","headline":"Jste v insolvenci a u\u017e nev\u00edte, co d\u011blat d\u00e1l? \u00dav\u011br m\u016f\u017eete dostat i po insolvenci!","name":"Jste v insolvenci a u\u017e nev\u00edte, co d\u011blat d\u00e1l? \u00dav\u011br m\u016f\u017eete dostat i po insolvenci!","description":"Dostali jste se do insolvence? Pro nikoho tato situace nen\u00ed jednoduch\u00e1 a jde o t\u011b\u017ek\u00e9 \u017eivotn\u00ed obdob\u00ed, ale i tak se v\u00e1m nezav\u00edraj\u00ed v\u0161echny dve\u0159e. Jste v insolvenci a u\u017e nev\u00edte, co d\u011blat d\u00e1l? \u00dav\u011br m\u016f\u017eete dostat i po insolvenci! Za\u017e\u00edt insolvenci to nen\u00ed nic p\u0159\u00edjemn\u00e9ho, jde o t\u011b\u017ekou \u017eivotn\u00ed situaci, ale na\u0161t\u011bst\u00ed v\u0161echno se […]","datePublished":"2021-11-26","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.prolek.cz\/author\/#Person","name":"","url":"https:\/\/www.prolek.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"prolek.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.prolek.cz\/wp-content\/uploads\/pexels-photo-6964107_1.jpeg","url":"https:\/\/www.prolek.cz\/wp-content\/uploads\/pexels-photo-6964107_1.jpeg","height":0,"width":0},"url":"https:\/\/www.prolek.cz\/jste-v-insolvenci-a-uz-nevite-co-delat-dal-uver-muzete-dostat-i-po-insolvenci\/","about":["Ekonomika"],"wordCount":503,"articleBody":"        Dostali jste se do insolvence? Pro nikoho tato situace nen\u00ed jednoduch\u00e1 a jde o t\u011b\u017ek\u00e9 \u017eivotn\u00ed obdob\u00ed, ale i tak se v\u00e1m nezav\u00edraj\u00ed v\u0161echny dve\u0159e. Jste v insolvenci a u\u017e nev\u00edte, co d\u011blat d\u00e1l? \u00dav\u011br m\u016f\u017eete dostat i po insolvenci! Za\u017e\u00edt insolvenci to nen\u00ed nic p\u0159\u00edjemn\u00e9ho, jde o t\u011b\u017ekou \u017eivotn\u00ed situaci, ale na\u0161t\u011bst\u00ed v\u0161echno se d\u00e1 \u0159e\u0161it. Pokud chyb\u00ed pen\u00edze, je mo\u017en\u00e9 za\u017e\u00e1dat o p\u016fj\u010dku, v p\u0159\u00edpad\u011b jin\u00fdch dluh\u016f \u010di n\u00edzk\u00fdch p\u0159\u00edjm\u016f, ale p\u016fj\u010dka v bance nen\u00ed mo\u017enost\u00ed. Nejen banky ale poskytuj\u00ed p\u016fj\u010dky, jsou tu i nebankovn\u00ed instituce a na ty se \u010dlov\u011bk m\u016f\u017ee obr\u00e1tit, i kdy\u017e nen\u00ed jeho situace lehk\u00e1. Jestli\u017ee zva\u017eujete p\u016fj\u010dku, mus\u00edte zv\u00e1\u017eit v\u0161echny mo\u017enosti. Pokud ale m\u00e1te mo\u017enost ru\u010den\u00ed nemovitost\u00ed, m\u00e1te dobr\u00fd z\u00e1klad pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru. Je pak jedno, zda podnik\u00e1te nebo ne. Co insolvence vlastn\u011b znamen\u00e1? Insolvenc\u00ed se mysl\u00ed insolven\u010dn\u00ed \u0159\u00edzen\u00ed, co\u017e je druh soudn\u00edho procesu, p\u0159i kter\u00e9m se rozhoduje o tom, jak\u00fd bude nejlep\u0161\u00ed zp\u016fsob pro vypo\u0159\u00e1d\u00e1n\u00ed s v\u011bt\u0161\u00edmi dluhy. Ob\u010das se toti\u017e stane, \u017ee jeden \u010dlov\u011bk dlu\u017e\u00ed v\u00edce spole\u010dnostem \u010di osob\u00e1m a nen\u00ed schopen v\u0161echny sv\u00e9 dluhy \u0159\u00e1dn\u011b spl\u00e1cet. V tomto p\u0159\u00edpad\u011b je pak n\u011bkdy insolvence jedin\u00fdm mo\u017en\u00fdm \u0159e\u0161en\u00edm, proto\u017ee splatit velk\u00e9 dluhy nen\u00ed n\u011bkdy v lidsk\u00fdch sil\u00e1ch. Do insolvence se pak mohou dostat fyzick\u00e9 i pr\u00e1vnick\u00e9 osoby, tedy firmy i jednotlivci. Jist\u011b nen\u00ed jednoduch\u00e9 ocitnout se v takov\u00e9 situaci a ust\u00e1t ji, ale v dne\u0161n\u00ed dob\u011b jde o pom\u011brn\u011b \u010dast\u00fd jev. Je jen m\u00e1lo lid\u00ed, kte\u0159\u00ed dluhy nemaj\u00ed, do finan\u010dn\u00ed t\u00edsn\u011b a probl\u00e9m\u016f se spl\u00e1cen\u00edm se pak m\u016f\u017ee kdykoliv kdokoliv z n\u00e1s dostat. Kdo v\u00e1m p\u016fj\u010d\u00ed po insolven\u010dn\u00edm \u0159\u00edzen\u00ed? Jen\u017ee pokud je n\u011bkdo ji\u017e v insolvenci na b\u011b\u017enou bankovn\u00ed p\u016fj\u010dku u\u017e n\u00e1rok nem\u00e1 a to ani po \u0159\u00e1dn\u00e9m splacen\u00ed v\u0161ech dluh\u016f. To v\u0161ak neznamen\u00e1, \u017ee u\u017e v\u00e1m nikdo nep\u016fj\u010d\u00ed. Jsou tu samoz\u0159ejm\u011b nebankovn\u00ed spole\u010dnosti, kter\u00e9 va\u0161e minulost nezaj\u00edm\u00e1. U nebankovn\u00edch p\u016fj\u010dek, kter\u00e9 zahrnuj\u00ed r\u016fzn\u00e9 produkty, se m\u016f\u017eete dostat k pen\u011bz\u016fm, ov\u0161em jen za podm\u00ednky, \u017ee se budete moci zaru\u010dit nemovitost\u00ed. V tom p\u0159\u00edpad\u011b k \u017e\u00e1dosti o \u00fav\u011br nic dal\u0161\u00edho nepot\u0159ebujete. Hypot\u00e9ka po insolvenci nav\u00edc m\u016f\u017ee slou\u017eit i ke splacen\u00ed star\u00fdch dluh\u016f, vyu\u017e\u00edt tyto pen\u00edze m\u016f\u017eete na cokoliv a nikdo se v\u00e1s na to ani nebude pt\u00e1t. Ani s insolvenc\u00ed se nemus\u00edte vzd\u00e1vat sv\u00fdch pl\u00e1n\u016f do budoucna.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jste v insolvenci a u\u017e nev\u00edte, co d\u011blat d\u00e1l? \u00dav\u011br m\u016f\u017eete dostat i po insolvenci!","item":"https:\/\/www.prolek.cz\/jste-v-insolvenci-a-uz-nevite-co-delat-dal-uver-muzete-dostat-i-po-insolvenci\/#breadcrumbitem"}]}]