[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ardos.sk\/bankrot-sa-moze-tykat-kazdeho-z-nas\/#Article","mainEntityOfPage":"https:\/\/www.ardos.sk\/bankrot-sa-moze-tykat-kazdeho-z-nas\/","headline":"Bankrot sa m\u00f4\u017ee t\u00fdka\u0165 ka\u017ed\u00e9ho z n\u00e1s","name":"Bankrot sa m\u00f4\u017ee t\u00fdka\u0165 ka\u017ed\u00e9ho z n\u00e1s","description":"Bankrot bolo v minulosti slovo, ktor\u00e9 sa n\u00e1m ihne\u010f sp\u00e1jalo hlavne s krachom firiem. No i v\u00e1m sa m\u00f4\u017ee prihodi\u0165, \u017ee sa dostanete na finan\u010dn\u00e9 dno a nebudete vedie\u0165 spl\u00e1ca\u0165 va\u0161e z\u00e1v\u00e4zky. Ke\u010f m\u00e1te pocit, \u017ee u\u017e naozaj nedok\u00e1\u017eete va\u0161u finan\u010dn\u00fa situ\u00e1ciu zachr\u00e1ni\u0165, m\u00f4\u017eete vyhl\u00e1si\u0165 osobn\u00fd bankrot. Povieme si ako prebieha a \u010do v\u0161etko je […]","datePublished":"2019-02-28","dateModified":"2023-04-26","author":{"@type":"Person","@id":"https:\/\/www.ardos.sk\/author\/#Person","name":"","url":"https:\/\/www.ardos.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/020fed30ca967737eb0c640f241d660d0f18cb15fe876f045fbf23eb8510c133?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/020fed30ca967737eb0c640f241d660d0f18cb15fe876f045fbf23eb8510c133?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ardos.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ardos.sk\/wp-content\/uploads\/img_a300021_w16510_t1556444344.jpg","url":"https:\/\/www.ardos.sk\/wp-content\/uploads\/img_a300021_w16510_t1556444344.jpg","height":0,"width":0},"url":"https:\/\/www.ardos.sk\/bankrot-sa-moze-tykat-kazdeho-z-nas\/","wordCount":397,"articleBody":"Bankrot bolo v minulosti slovo, ktor\u00e9 sa n\u00e1m ihne\u010f sp\u00e1jalo hlavne s krachom firiem. No i v\u00e1m sa m\u00f4\u017ee prihodi\u0165, \u017ee sa dostanete na finan\u010dn\u00e9 dno a nebudete vedie\u0165 spl\u00e1ca\u0165 va\u0161e z\u00e1v\u00e4zky. Ke\u010f m\u00e1te pocit, \u017ee u\u017e naozaj nedok\u00e1\u017eete va\u0161u finan\u010dn\u00fa situ\u00e1ciu zachr\u00e1ni\u0165, m\u00f4\u017eete vyhl\u00e1si\u0165 osobn\u00fd bankrot. Povieme si ako prebieha a \u010do v\u0161etko je s n\u00edm spojen\u00e9.Osobn\u00fd bankrotv\u00e1m pom\u00f4\u017ee sa zbavi\u0165 dlhov. Tento proces je z\u00e1konom riaden\u00fd a v minulom roku ho vyu\u017eilo okolo 6000 Slov\u00e1kov. O bankrot m\u00f4\u017eete po\u017eiada\u0165 a\u017e vo chv\u00edli, ke\u010f ste v exeku\u010dnom konan\u00ed. Sta\u010d\u00ed v\u00e1m k tomu preuk\u00e1za\u0165, \u017ee ste platobne neschopn\u00ed a \u017ee va\u0161e z\u00e1mery s\u00fa poctiv\u00e9 t.j. budete h\u013eada\u0165 rie\u0161enie va\u0161ej situ\u00e1cie, zamestn\u00e1te sa, zarad\u00edte sa do spolo\u010dnosti. Osobn\u00fd bankrot sa nevz\u0165ahuje na nezaplaten\u00e9 v\u00fd\u017eivn\u00e9, na hypot\u00e9ku, \u010di nepe\u0148a\u017en\u00e9 poh\u013ead\u00e1vky. Dlhov sa m\u00f4\u017eete zbavi\u0165 bu\u010f konkurzom alebo spl\u00e1tkov\u00fdm kalend\u00e1rom. Konkurz je vhodn\u00fd pre t\u00fdch, ktor\u00ed nemaj\u00fa majetok dosta\u010duj\u00faci na splatenie dlhu. Spl\u00e1tkov\u00fd kalend\u00e1r je lep\u0161\u00ed variant pre pracuj\u00facich \u013eud\u00ed, ktor\u00ed maj\u00fa majetok a nechc\u00fa o neho pr\u00eds\u0165. Tak\u00fdmto sp\u00f4sobom sa v\u0161ak nezbav\u00edte exek\u00facie. Dlhy budete spl\u00e1ca\u0165 5 rokov a mus\u00edte zaplati\u0165 aj administrat\u00edvny poplatok. Vyhl\u00e1si\u0165 bankrot v\u00e1m pom\u00f4\u017ee Centrum pr\u00e1vnej pomoci. Sta\u010d\u00ed ho na za\u010diatku kontaktova\u0165 telefonicky. Centrum v\u00e1s zast\u00fapi pred s\u00fadom alebo v\u00e1m ur\u010d\u00ed vhodn\u00e9ho advok\u00e1ta. Z\u00e1rove\u0148 v\u00e1s ochr\u00e1ni pred verite\u013emi. Na v\u00e1\u0161 \u017eivot nebude ma\u0165 osobn\u00fd bankrot dosah. Cel\u00fd proces vyhl\u00e1senie bankrotu pri va\u0161ej plnej spolupr\u00e1ci trv\u00e1 asi 15 dn\u00ed. Osobn\u00e9 dlhy sa daj\u00fa kontrolova\u0165 a ak si budete d\u00e1va\u0165 pozor na svoje financie, nemus\u00ed k bankrotu nikdy pr\u00eds\u0165. V pr\u00edpade, \u017ee ste dl\u017en\u00edkom, sna\u017ete sa nevytv\u00e1ra\u0165 nov\u00e9 dlhy. Dostanete sa tak len do bludn\u00e9ho koloto\u010da. Ak m\u00e1te viacero \u00faverov, v prvom rade uva\u017eujte o ich refinancovan\u00ed. Znamen\u00e1 to, \u017ee ich spoj\u00edte do jednej dl\u017enej sumy. Budete tak spl\u00e1ca\u0165 \u00faver s men\u0161\u00edmi \u00farokmi v dlh\u0161om \u010dasovom horizonte.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankrot sa m\u00f4\u017ee t\u00fdka\u0165 ka\u017ed\u00e9ho z n\u00e1s","item":"https:\/\/www.ardos.sk\/bankrot-sa-moze-tykat-kazdeho-z-nas\/#breadcrumbitem"}]}]