[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bigbig.cz\/insolvence-je-konec-dluhove-pasti\/#Article","mainEntityOfPage":"https:\/\/www.bigbig.cz\/insolvence-je-konec-dluhove-pasti\/","headline":"Insolvence je konec dluhov\u00e9 pasti","name":"Insolvence je konec dluhov\u00e9 pasti","description":"Insolvence nen\u00ed zrovna n\u011bco, do \u010deho se nikdo z n\u00e1s chce dostat. Ale osud si nevyb\u00edr\u00e1me a n\u011bkdy se m\u016f\u017eeme […]","datePublished":"2023-10-30","dateModified":"2023-12-18","author":{"@type":"Person","@id":"https:\/\/www.bigbig.cz\/author\/#Person","name":"","url":"https:\/\/www.bigbig.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bigbig.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bigbig.cz\/wp-content\/uploads\/rc-xyz-nft-gallery-K_3UV1ZFcJ0-unsplash%20(1).jpg","url":"https:\/\/www.bigbig.cz\/wp-content\/uploads\/rc-xyz-nft-gallery-K_3UV1ZFcJ0-unsplash%20(1).jpg","height":0,"width":0},"url":"https:\/\/www.bigbig.cz\/insolvence-je-konec-dluhove-pasti\/","about":["D\u016fm a byt"],"wordCount":425,"articleBody":"   Insolvence nen\u00ed zrovna n\u011bco, do \u010deho se nikdo z n\u00e1s chce dostat. Ale osud si nevyb\u00edr\u00e1me a n\u011bkdy se m\u016f\u017eeme do obrovsk\u00fdch finan\u010dn\u00edch probl\u00e9m\u016f dostat i bez vlastn\u00edho zavin\u011bn\u00ed. Je to vlastn\u011b jednodu\u0161\u00ed, ne\u017e by se na prvn\u00ed pohled zd\u00e1lo. A pokud nev\u00edte, jak sv\u00e9 dluhy spl\u00e1cet, nahromad\u00ed se v\u00e1m jich v\u00edce a nevid\u00edte v\u00fdchodisko, je insolvence to prav\u00e9, co v\u00e1m m\u016f\u017ee pomoci dluhy vymazat a za\u010d\u00edt od za\u010d\u00e1tku. Jak to vlastn\u011b funguje? O insolvenci, nebo oddlu\u017een\u00ed, si za\u017e\u00e1d\u00e1te u soudu. Pokud v\u00e1m soud insolvenci schv\u00e1l\u00ed, p\u0159id\u011bl\u00ed v\u00e1m insolven\u010dn\u00edho spr\u00e1vce. V\u0161echny va\u0161e dluhy, kter\u00e9 m\u00e1te, se slou\u010d\u00ed do jednoho. Ten mus\u00edte alespo\u0148 \u010d\u00e1ste\u010dn\u011b uhradit. Dojde tak alespo\u0148 k \u010d\u00e1ste\u010dn\u00e9mu uspokojen\u00ed v\u011b\u0159itel\u016f. Pokud je n\u011bkdo toti\u017e v tak t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci, t\u011b\u017eko se p\u0159edpokl\u00e1d\u00e1, \u017ee se n\u011bkdy z dluh\u016f vyhrabe docela. Takto dostanou v\u011b\u0159itel\u00e9 alespo\u0148 \u010d\u00e1st sv\u00fdch pen\u011bz a z\u00e1rove\u0148 to d\u00e1v\u00e1 mo\u017enost pro dlu\u017en\u00edka, jak za\u010d\u00edt s \u010dist\u00fdm \u0161t\u00edtem a nov\u00fdm startem, opro\u0161t\u011bn\u00fd od v\u0161ech dluh\u016f.To s \u010dist\u00fdm \u0161t\u00edtem ale nen\u00ed tak \u00fapln\u011b pravda. Proto\u017ee \u010dist\u00fd \u0161t\u00edt \u00fapln\u011b m\u00edt nebudete. Va\u0161e jm\u00e9no bude st\u00e1le zaznamen\u00e1no v insolven\u010dn\u00edm rejst\u0159\u00edku jako n\u011bkdo, kdo byl v p\u0159edch\u00e1zej\u00edc\u00ed dob\u011b v insolvenci. Je to ochrana nejen pro ty, kte\u0159\u00ed by v\u00e1m cht\u011bli znovu p\u016fj\u010dit, ale i pro v\u00e1s, abyste nespadli hned do dluh\u016f. Va\u0161e jm\u00e9no bude v tomto rejst\u0159\u00edku figurovat p\u011bt let po skon\u010den\u00ed insolvence. B\u011bhem t\u00e9to doby nepo\u010d\u00edtejte s t\u00edm, \u017ee by v\u00e1m n\u011bkdo poskytl financov\u00e1n\u00ed. Prvn\u00ed roky ur\u010dit\u011b ne. Ov\u0161em jsou i v\u00fdjimky, kter\u00e9 se hod\u00ed zn\u00e1t pro p\u0159\u00edpad, \u017ee byste opravdu akutn\u011b pot\u0159ebovali n\u011bjak\u00fd druh financov\u00e1n\u00ed. T\u0159eba kreditn\u00ed kartu, \u00fav\u011br nebo hypot\u00e9ku. Ano, i ve va\u0161em p\u0159\u00edpad\u011b m\u016f\u017eete dostat hypot\u00e9ku po insolvenci. Odpov\u011bd\u011bt ale na to, zda chcete j\u00edt do tak velk\u00e9ho z\u00e1vazku t\u011bsn\u011b po tom, co v\u00e1m skon\u010dila insolvence, si u\u017e budete muset sami. Nebude to toti\u017e pro v\u00e1s nic snadn\u00e9ho.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (16 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Insolvence je konec dluhov\u00e9 pasti","item":"https:\/\/www.bigbig.cz\/insolvence-je-konec-dluhove-pasti\/#breadcrumbitem"}]}]