[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.czeweb.cz\/chyceni-do-pasti\/#Article","mainEntityOfPage":"https:\/\/www.czeweb.cz\/chyceni-do-pasti\/","headline":"Chyceni do pasti","name":"Chyceni do pasti","description":"To co zpo\u010d\u00e1tku vypadalo docela logicky a za\u010dalo tak nevinn\u011b, se postupem \u010dasu stalo doslova trag\u00e9di\u00ed. Refinancov\u00e1n\u00ed p\u016fj\u010dky, nab\u00eddka na novou, dal\u0161\u00ed a dal\u0161\u00ed. Mimochodem se sna\u017e\u00edme tou posledn\u00ed splatit jinou a tak jsme se dostali do uzav\u0159en\u00e9ho kruhu a vypad\u00e1 to, \u017ee nen\u00ed cesty ven. Jsme chyceni do finan\u010dn\u00ed <a href=\"https:\/\/www.czeweb.cz\/chyceni-do-pasti\/\" class=\"read-more\">Pokra\u010dovat ve \u010dten\u00ed<i class=\"ion-ios-arrow-right read-more-right\"><\/i><\/a>","datePublished":"2017-07-30","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.czeweb.cz\/author\/#Person","name":"czeweb.cz\n","url":"https:\/\/www.czeweb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"czeweb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/czeweb.cz\/wp-content\/uploads\/img_a321710_w2326_t1532936764.jpg","url":"https:\/\/czeweb.cz\/wp-content\/uploads\/img_a321710_w2326_t1532936764.jpg","height":"","width":""},"url":"https:\/\/www.czeweb.cz\/chyceni-do-pasti\/","about":["Neza\u0159azen\u00e9"],"wordCount":435,"articleBody":"To co zpo\u010d\u00e1tku vypadalo docela logicky a za\u010dalo tak nevinn\u011b, se postupem \u010dasu stalo doslova trag\u00e9di\u00ed. Refinancov\u00e1n\u00ed p\u016fj\u010dky, nab\u00eddka na novou, dal\u0161\u00ed a dal\u0161\u00ed. Mimochodem se sna\u017e\u00edme tou posledn\u00ed splatit jinou a tak jsme se dostali do uzav\u0159en\u00e9ho kruhu a vypad\u00e1 to, \u017ee nen\u00ed cesty ven. Jsme chyceni do finan\u010dn\u00ed pasti a jak se dostat z&nbsp;n\u00ed ven, to neb\u00fdv\u00e1 jednoduch\u00e1 cesta. Tentokr\u00e1t to vypad\u00e1 na vyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu. Tenk\u00fd provaz se toti\u017e prom\u011bnil v&nbsp;po\u0159\u00e1dn\u00e9 lano a st\u00e1le v\u00edce se nad n\u00e1mi utahuje. I kdy\u017e to vypad\u00e1 na ne\u0159e\u0161itelnou situaci, nen\u00ed nutn\u00e9 podl\u00e9hat panice, \u017ee z&nbsp;toho nen\u00ed cesta ven. Existuje, ale bude to n\u011bco st\u00e1t. Rozhodn\u011b to nebude nov\u00e1 p\u016fj\u010dka, ale pot\u0159ebujeme \u0159e\u0161en\u00ed v&nbsp;podob\u011b oddlu\u017een\u00ed a s&nbsp;t\u00edm n\u00e1m pom\u016f\u017ee pouze odborn\u00edk.\tOsobn\u00ed bankrotV&nbsp;prvn\u00ed \u0159ad\u011b budeme muset zapomenout na to, \u017ee to nem\u016f\u017eeme ud\u011blat kv\u016fli lidem, co by asi tak \u0159ekli. Nejde o n\u011b, ale o n\u00e1s, nikdo toti\u017e za n\u00e1s dluhy platit nebude. Tak\u00e9 n\u00e1m nikdo nepom\u016f\u017ee z&nbsp;dluhov\u00e9 spir\u00e1ly, a\u010dkoliv by to bylo p\u0159\u00edjemn\u00e9. Pokud chceme vyhl\u00e1sit osobn\u00ed bankrot, tak mus\u00edme spl\u0148ovat t\u0159i z\u00e1kladn\u00ed podm\u00ednky:1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Dluhy mus\u00ed b\u00fdt alespo\u0148 u dvou r\u016fzn\u00fdch v\u011b\u0159itel\u016f.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Po del\u0161\u00ed dobu nejsme schopni spl\u00e1cet. To \u017ee se jedenkr\u00e1t nebo p\u00e1rkr\u00e1t opozd\u00edme s&nbsp;platbou, tak to nem\u00e1 vliv na dlouhodob\u00e9 placen\u00ed. Pokud se k&nbsp;n\u011b\u010demu podobn\u00e9mu schyluje, nem\u011bli bychom ot\u00e1let a \u010dekat zbyte\u010dn\u011b na upom\u00ednku, je lep\u0161\u00ed se nejprve domluvit s&nbsp;v\u011b\u0159iteli bu\u010f na odkladu, nebo na \u00faprav\u011b spl\u00e1tky. Sp\u00ed\u0161 se zde jedn\u00e1 o to, \u017ee nejsme v\u016fbec schopni uhradit jakoukoliv \u010d\u00e1stku.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mus\u00edme prok\u00e1zat, \u017ee po dobu p\u011bti let budeme schopni splatit alespo\u0148 30% z&nbsp;celkov\u00e9 v\u00fd\u0161e dluhu. Do t\u00e9to \u010d\u00e1stky se samoz\u0159ejm\u011b zapo\u010d\u00edt\u00e1vaj\u00ed ve\u0161ker\u00e9 \u00faroky a poplatky, kter\u00e9 vznikly p\u0159ed vyhl\u00e1\u0161en\u00edm bankrotu. Mohou zde b\u00fdt i r\u016fzn\u00e9 smluvn\u00ed pokuty, ale i v\u00fdlohy na zaplacen\u00ed soudu nebo n\u00e1klady na exekutora.Vyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu nen\u00ed \u017e\u00e1dn\u00e1 trag\u00e9die ani ostuda, ale mo\u017en\u00e1 cesta k&nbsp;finan\u010dn\u00ed svobod\u011b.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chyceni do pasti","item":"https:\/\/www.czeweb.cz\/chyceni-do-pasti\/#breadcrumbitem"}]}]