[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kapstop.cz\/vychodisko-z-dluhove-pasti-nebo-novy-prostor-pro-podvody\/#Article","mainEntityOfPage":"https:\/\/www.kapstop.cz\/vychodisko-z-dluhove-pasti-nebo-novy-prostor-pro-podvody\/","headline":"V\u00fdchodisko z dluhov\u00e9 pasti, nebo nov\u00fd prostor pro podvody?","name":"V\u00fdchodisko z dluhov\u00e9 pasti, nebo nov\u00fd prostor pro podvody?","description":"Insolven\u010dn\u00ed z\u00e1kon v\u00a0dne\u0161n\u00ed podob\u011b umo\u017e\u0148uje takzvan\u00fd osobn\u00ed bankrot, neboli oddlu\u017een\u00ed pro osoby, kter\u00e9 nejsou podnikateli nebo jejich dluhy nepoch\u00e1zej\u00ed z\u00a0podnikatelsk\u00e9 \u010dinnosti. Jedn\u00e1 se o mo\u017enost zbavit se tak dluhov\u00e9 pasti, kdy v\u00edce, ne\u017e dluhy nar\u016fstaj\u00ed pen\u00e1le, \u00faroky z\u00a0prodlen\u00ed a soudn\u00ed v\u00fdlohy. \u010clov\u011bk pak spl\u00e1c\u00ed do nekone\u010dna tyto druhotn\u00e9 dluhy m\u00edsto t\u011bch p\u016fvodn\u00edch a ze situace […]","datePublished":"2025-03-04","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.kapstop.cz\/author\/#Person","name":"","url":"https:\/\/www.kapstop.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/60cfa630c84b6c399b95e807e4bc5b6bfe4f26a47dceacbf179d7148760edc6a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/60cfa630c84b6c399b95e807e4bc5b6bfe4f26a47dceacbf179d7148760edc6a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kapstop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kapstop.cz\/wp-content\/uploads\/img_a307673_w2284_t1518948406.jpg","url":"https:\/\/www.kapstop.cz\/wp-content\/uploads\/img_a307673_w2284_t1518948406.jpg","height":0,"width":0},"url":"https:\/\/www.kapstop.cz\/vychodisko-z-dluhove-pasti-nebo-novy-prostor-pro-podvody\/","wordCount":546,"articleBody":"Insolven\u010dn\u00ed z\u00e1kon v\u00a0dne\u0161n\u00ed podob\u011b umo\u017e\u0148uje takzvan\u00fd osobn\u00ed bankrot, neboli oddlu\u017een\u00ed pro osoby, kter\u00e9 nejsou podnikateli nebo jejich dluhy nepoch\u00e1zej\u00ed z\u00a0podnikatelsk\u00e9 \u010dinnosti. Jedn\u00e1 se o mo\u017enost zbavit se tak dluhov\u00e9 pasti, kdy v\u00edce, ne\u017e dluhy nar\u016fstaj\u00ed pen\u00e1le, \u00faroky z\u00a0prodlen\u00ed a soudn\u00ed v\u00fdlohy. \u010clov\u011bk pak spl\u00e1c\u00ed do nekone\u010dna tyto druhotn\u00e9 dluhy m\u00edsto t\u011bch p\u016fvodn\u00edch a ze situace nen\u00ed cesta ven. Pokud tento \u010dlov\u011bk pracuje, m\u016f\u017ee si po\u017e\u00e1dat o zmi\u0148ovan\u00e9 oddlu\u017een\u00ed. V\u00a0sou\u010dasn\u00e9 dob\u011b je schv\u00e1leno tomu, u koho je p\u0159edpoklad, \u017ee za p\u011bt let splat\u00ed minim\u00e1ln\u011b t\u0159icet procent v\u00fd\u0161e st\u00e1vaj\u00edc\u00edch dluh\u016f.Pom\u016f\u017ee zm\u011bna?N\u00e1vrh novely z\u00e1kona v\u0161ak nyn\u00ed p\u0159ich\u00e1z\u00ed s\u00a0m\u00edrn\u011bj\u0161\u00edmi pravidly proto, aby se do okruhu osob, kter\u00e9 se mohou zbavit nekon\u010d\u00edc\u00edch starost\u00ed s\u00a0pen\u011bzi, dostali i ti, kte\u0159\u00ed kup\u0159\u00edkladu nepracuj\u00ed.Zast\u00e1nci novely tvrd\u00ed, \u017ee \u010dlov\u011bk, kter\u00fd se neust\u00e1le top\u00ed v\u00a0dluhov\u00e9 pasti, se spl\u00e1tek nem\u00e1 \u0161anci za norm\u00e1ln\u00edch okolnost\u00ed zbavit. M\u011bs\u00ed\u010dn\u011b splat\u00ed ze sv\u00fdch pohled\u00e1vek minimum, nav\u00edc dluh a dal\u0161\u00ed \u00faroky st\u00e1le rostou mnohon\u00e1sobn\u011b v\u00edce, ne\u017e je \u010dlov\u011bk schopen z\u00a0dluhu umazat. Nen\u00ed tak \u0161ance, \u017ee by v\u00a0pr\u016fb\u011bhu \u017eivota situaci vy\u0159e\u0161il. Exekuce \u010di obstaven\u00fd \u00fa\u010det mu nedovoluj\u00ed pracovat leg\u00e1ln\u011b, proto\u017ee v\u0161e, co by vyd\u011blal, by \u0161lo na dluhy. Kdyby v\u0161ak bylo tomuto \u010dlov\u011bku umo\u017en\u011bno oddlu\u017een\u00ed, za sedm let, m\u00edsto st\u00e1vaj\u00edc\u00edch p\u011bti, by byl dluh zcela odpu\u0161t\u011bn. Sou\u010dasn\u011b by nez\u00e1le\u017eelo na tom, kolik by ve v\u00fdsledku bylo z\u00a0dluhu splaceno, ale hlavn\u00ed je, \u017ee by \u010dlov\u011bk n\u011bco spl\u00e1cel. Dle navrhovatel\u016f novely by m\u011bl takov\u00fd \u010dlov\u011bk motivaci za\u010d\u00edt op\u011bt norm\u00e1ln\u011b \u017eit, tedy pracovat a platit dan\u011b a nebyl by z\u00e1visl\u00fd na soci\u00e1ln\u00edch d\u00e1vk\u00e1ch, naopak by st\u00e1tu odv\u00e1d\u011bl dan\u011b.Nebude to hor\u0161\u00ed?Odp\u016frci tvrd\u00ed, \u017ee lid\u00e9 budou m\u00edrn\u011bj\u0161\u00ed krit\u00e9ria zneu\u017e\u00edvat a t\u011b\u017eit z\u00a0toho, \u017ee si mohou vz\u00edt \u00fav\u011bry, kter\u00e9 nikdy nemusej\u00ed splatit. Novela v\u0161ak mysl\u00ed i na tyto situace. \u010clov\u011bk, kter\u00fd si o oddlu\u017een\u00ed po\u017e\u00e1d\u00e1, bude prov\u011b\u0159en. Bude se tedy zji\u0161\u0165ovat, zda si \u00fav\u011br nevzal lehkov\u00e1\u017en\u011b v\u00a0dob\u011b, kdy ji\u017e v\u011bd\u011bl, \u017ee je nad jeho mo\u017enosti, a zda je schopen a ochoten na splacen\u00ed dluhu spolupracovat s\u00a0insolven\u010dn\u00edm spr\u00e1vcem.Ot\u00e1zkou tedy z\u016fst\u00e1v\u00e1, zda situace n\u011bkam povede. Lid\u00e9 se bezmy\u0161lenkovit\u011b zadlu\u017euj\u00ed a budou tak \u010dinit z\u0159ejm\u011b nad\u00e1le. V\u011b\u0159itel\u00e9 se z\u0159ejm\u011b v\u011bt\u0161iny sv\u00fdch pen\u011bz nedo\u010dkaj\u00ed. Nepoctiv\u00e9 a nev\u00fdhodn\u00e9 p\u016fj\u010dky zde st\u00e1le budou, proto\u017ee lid\u00e9 s\u00a0nejni\u017e\u0161\u00edmi p\u0159\u00edjmy s \u017e\u00e1dost\u00ed u seri\u00f3zn\u00ed spole\u010dnosti nepochod\u00ed, a tak se dluhov\u00e1 spir\u00e1la st\u00e1le to\u010d\u00ed. Zda ji pom\u016f\u017ee rozmotat nov\u00fd zp\u016fsob oddlu\u017een\u00ed, uk\u00e1\u017ee a\u017e \u010das.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u00fdchodisko z dluhov\u00e9 pasti, nebo nov\u00fd prostor pro podvody?","item":"https:\/\/www.kapstop.cz\/vychodisko-z-dluhove-pasti-nebo-novy-prostor-pro-podvody\/#breadcrumbitem"}]}]