[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sheesham.cz\/kdyz-vam-skonci-insolvence\/#Article","mainEntityOfPage":"https:\/\/www.sheesham.cz\/kdyz-vam-skonci-insolvence\/","headline":"Kdy\u017e v\u00e1m skon\u010d\u00ed insolvence","name":"Kdy\u017e v\u00e1m skon\u010d\u00ed insolvence","description":"Pokud se dostanete a\u017e do takov\u00e9 f\u00e1ze, \u017ee nem\u016f\u017eete zvl\u00e1dat spl\u00e1cet sv\u00e9 dluhy, nen\u00ed to samoz\u0159ejm\u011b v\u016fbec p\u0159\u00edjemn\u00e1 situace. Ale do takov\u00e9 situace se m\u016f\u017ee dostat ka\u017ed\u00fd z n\u00e1s. Nikdy nev\u00edme, co se n\u00e1m v \u017eivot\u011b stane a jak to ovlivn\u00ed na\u0161i finan\u010dn\u00ed situaci. Proto bychom ur\u010dit\u011b nem\u011bli na nikoho nahl\u00ed\u017eet skrze prsty jen proto, […]","datePublished":"2023-01-21","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.sheesham.cz\/author\/#Person","name":"","url":"https:\/\/www.sheesham.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sheesham.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sheesham.cz\/wp-content\/uploads\/pexels-ketut-subiyanto-4246193.jpg","url":"https:\/\/www.sheesham.cz\/wp-content\/uploads\/pexels-ketut-subiyanto-4246193.jpg","height":0,"width":0},"url":"https:\/\/www.sheesham.cz\/kdyz-vam-skonci-insolvence\/","about":["Pen\u00edze"],"wordCount":402,"articleBody":"   Pokud se dostanete a\u017e do takov\u00e9 f\u00e1ze, \u017ee nem\u016f\u017eete zvl\u00e1dat spl\u00e1cet sv\u00e9 dluhy, nen\u00ed to samoz\u0159ejm\u011b v\u016fbec p\u0159\u00edjemn\u00e1 situace. Ale do takov\u00e9 situace se m\u016f\u017ee dostat ka\u017ed\u00fd z n\u00e1s. Nikdy nev\u00edme, co se n\u00e1m v \u017eivot\u011b stane a jak to ovlivn\u00ed na\u0161i finan\u010dn\u00ed situaci. Proto bychom ur\u010dit\u011b nem\u011bli na nikoho nahl\u00ed\u017eet skrze prsty jen proto, \u017ee se dozv\u00edme, \u017ee je nebo byl v insolvenci.Jak insolvence vlastn\u011b funguje? Insolvenci schvaluje soud pot\u00e9, co si dlu\u017en\u00edk pod\u00e1 \u017e\u00e1dost o oddlu\u017een\u00ed. C\u00edlem je nejenom to, aby dlu\u017en\u00edkovi bylo umo\u017en\u011bno splatit sv\u00e9 dluhy bez hrozby exekuce a nar\u016fstaj\u00edc\u00edch pen\u00e1l\u016f, ale tak\u00e9 to, aby bylo uspokojeno co nejv\u011bt\u0161\u00ed procento v\u011b\u0159itel\u016f, kter\u00fdm dlu\u017en\u00edk v\u011b\u0159\u00ed.M\u011bs\u00ed\u010dn\u011b tedy z\u016fst\u00e1v\u00e1 dlu\u017en\u00edkovi pouze nezabaviteln\u00e9 minimum a zbytek je odv\u00e1d\u011bn v\u011b\u0159itel\u016fm na splacen\u00ed alespo\u0148 ur\u010dit\u00e9ho procenta dluhu a str\u017een\u00e9 pen\u00edze tak\u00e9 slou\u017e\u00ed jako odm\u011bna insolven\u010dn\u00edmu spr\u00e1vci, kter\u00fd m\u00e1 insolvenci dan\u00e9ho dlu\u017en\u00edka na starosti.Ale co tedy v obdob\u00ed po insolvenci? Mysl\u00edte si, \u017ee dnem, kdy v\u00e1m p\u0159ijde od soudu dopis, \u017ee je va\u0161e insolvence u konce v\u0161e skon\u010dilo? Ne tak docela.Nejd\u016fle\u017eit\u011bj\u0161\u00ed \u00fakol te\u010f z\u00e1vis\u00ed na v\u00e1s. Mus\u00edte uko\u010d\u00edrovat sv\u00e9 finance tak, abyste op\u011bt nespadli do dluhov\u00e9ho bludn\u00e9ho kruhu. To m\u016f\u017ee j\u00edt dost t\u011b\u017eko, hlavn\u011b zpo\u010d\u00e1tku, proto\u017ee \u010dlov\u011bk, kter\u00fd byl n\u011bkolik p\u0159edchoz\u00edch let v insolvenci nem\u011bl asi mo\u017enost vytvo\u0159it si finan\u010dn\u00ed rezervu pro p\u0159\u00edpad nouze.Nepo\u010d\u00edtejte tak\u00e9 s p\u0159\u00edpadnou pomoc\u00ed banky nebo s t\u00edm, \u017ee budete m\u00edt mo\u017enost n\u011bjak\u00e9ho financov\u00e1n\u00ed. Kreditn\u00ed karty, auto na leasing, mikro p\u016fj\u010dky\u2026to v\u0161e v\u00e1m bude k dispozici a\u017e p\u011bt let potom, co skon\u010dila va\u0161e insolvence. Do t\u00e9 doby budete figurovat v insolven\u010dn\u00edm rejst\u0159\u00edku. N\u011bkter\u00e9 spole\u010dnosti, p\u0159edev\u0161\u00edm nebankovn\u00ed, cht\u011bj\u00ed d\u00e1t ale \u0161anci i t\u011bm, kte\u0159\u00ed skon\u010dili s insolvenc\u00ed. M\u016f\u017eete tedy dostat t\u0159eba hypot\u00e9ku po insolvenci https:\/\/www.fahd.cz\/hypoteka-bez-registru\/.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e v\u00e1m skon\u010d\u00ed insolvence","item":"https:\/\/www.sheesham.cz\/kdyz-vam-skonci-insolvence\/#breadcrumbitem"}]}]