[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vanillao.cz\/insolvence\/#Article","mainEntityOfPage":"https:\/\/www.vanillao.cz\/insolvence\/","headline":"Insolvence","name":"Insolvence","description":"Mnoho lid\u00ed se m\u016f\u017ee ocitnout ve finan\u010dn\u00edch probl\u00e9mech a st\u00e1v\u00e1 se, \u017ee nem\u016f\u017eou v\u010das hradit sv\u00e9 z\u00e1vazky. \u0158e\u0161en\u00ed z\u00a0takov\u00e9 krizov\u00e9…","datePublished":"2019-11-15","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.vanillao.cz\/author\/#Person","name":"","url":"https:\/\/www.vanillao.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9650bad63f840fe2951db83904c5d1edf6fafb8283b72071d80cdc2088366373?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9650bad63f840fe2951db83904c5d1edf6fafb8283b72071d80cdc2088366373?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vanillao.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vanillao.cz\/wp-content\/uploads\/img_a361875_w3173_t1574933731.jpg","url":"https:\/\/www.vanillao.cz\/wp-content\/uploads\/img_a361875_w3173_t1574933731.jpg","height":0,"width":0},"url":"https:\/\/www.vanillao.cz\/insolvence\/","about":["Pen\u00edze"],"wordCount":406,"articleBody":"Mnoho lid\u00ed se m\u016f\u017ee ocitnout ve finan\u010dn\u00edch probl\u00e9mech a st\u00e1v\u00e1 se, \u017ee nem\u016f\u017eou v\u010das hradit sv\u00e9 z\u00e1vazky. \u0158e\u0161en\u00ed z\u00a0takov\u00e9 krizov\u00e9 situace m\u016f\u017ee b\u00fdt insolvence. C\u00edlem tohoto \u0159\u00edzen\u00ed je vypo\u0159\u00e1dat se s\u00a0dluhy tak, aby byli co nejv\u00edce spokojeni v\u0161ichni v\u011b\u0159itel\u00e9. Oddlu\u017een\u00ed neboli insolvence pom\u00e1h\u00e1 dlu\u017en\u00edkovi a v\u0161em v\u011b\u0159itel\u016fm sou\u010dasn\u011b. Dlu\u017en\u00edkovi se sna\u017e\u00ed zajistit sn\u00ed\u017een\u00ed a spl\u00e1cen\u00ed dluh\u016f. Na druhou stranu, v\u011b\u0159itel\u00e9 doc\u00edl\u00ed uhrazen\u00ed \u010d\u00e1sti pohled\u00e1vek.Po\u017e\u00e1dat o oddlu\u017een\u00ed m\u016f\u017ee pouze ten, kdo spl\u0148uje jej\u00ed podm\u00ednky:1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Z\u00e1vazky, kter\u00e9 nejsou uhrazen\u00e9, mus\u00ed b\u00fdt minim\u00e1ln\u011b 30 dn\u016f po splatnosti.2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u011b\u0159itel\u00e9 jsou alespo\u0148 dva, jde o bankovn\u00edho nebo nebankovn\u00edho v\u011b\u0159itele3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u010clov\u011bk mus\u00ed tak\u00e9 cht\u00edt d\u00e1le spl\u00e1cet, av\u0161ak u\u017e jinou celkovou \u010d\u00e1stku, v\u011bt\u0161inou to je 30% z\u00a0cel\u00e9 \u010d\u00e1stky po dobu 5 let nebo 60% b\u011bhem 3let4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 D\u016fle\u017eit\u00e9 je m\u00edt \u010dist\u00fd trestn\u00ed rejst\u0159\u00edkPo spln\u011bn\u00ed podm\u00ednek se vypl\u0148uje n\u00e1vrh na oddlu\u017een\u00ed. Tento m\u016f\u017eeme podat sami nebo za pomoci spole\u010dnosti, kter\u00e1 \u0159e\u0161\u00ed tyto p\u0159\u00edpady. V\u0161e jde pak k\u00a0soudu, ten bu\u010f ihned vyhov\u00ed a povol\u00ed oddlu\u017een\u00ed nebo po\u017eaduje dal\u0161\u00ed podklady. V\u00a0p\u0159\u00edpad\u011b jak\u00e9koli soudn\u00ed v\u00fdzvy, je t\u0159eba na ni reagovat a t\u00edm si zajistit dobr\u00fd v\u00fdsledek.\u00a0Nejen samotn\u00fd \u010dlov\u011bk, i firma se m\u016f\u017ee ocitnout v\u00a0insolvenci. Projevuje se to pozastaven\u00edm jeho v\u0161ech plateb. \u0158e\u0161en\u00edm pak je vyrovn\u00e1n\u00ed nebo forma konkurzu. N\u011bkdy dojde a\u017e k\u00a0exekuci, ale jsou to ojedin\u011bl\u00e9 p\u0159\u00edpady. Oddlu\u017een\u00ed je zah\u00e1jeno tehdy, pokud:1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Soud rozhodne a vyd\u00e1 prohl\u00e1\u0161en\u00ed o konkurzu na majetek podniku2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 N\u00e1vrh na konkurz je zam\u00edtnut\u00fd z\u00a0d\u016fvod\u016f nedostate\u010dn\u00e9ho majetku dan\u00e9ho dlu\u017en\u00edka3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Dojde k potvrzen\u00ed mezi dlu\u017en\u00edkem a v\u011b\u0159itelem o vyrovn\u00e1n\u00ed4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Mimosoudn\u00ed a \u00fa\u0159edn\u011b ov\u011b\u0159en\u00e9 vyrovn\u00e1n\u00ed mezi v\u011b\u0159itelem a dlu\u017en\u00edkem\u00a0Jak se vyhnout insolvenci?Nejd\u016fle\u017eit\u011bj\u0161\u00ed je v\u010dasn\u00e9 placen\u00ed v\u0161ech pohled\u00e1vek. V\u00a0p\u0159\u00edpad\u011b dluhu, domluvit se s\u00a0v\u011b\u0159itelem na platebn\u00edm kalend\u00e1\u0159i. Tak\u00e9 se vyhnout ve\u0161ker\u00fdm bankovn\u00edm a nebankovn\u00edm nab\u00eddk\u00e1m p\u016fj\u010dek.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Insolvence","item":"https:\/\/www.vanillao.cz\/insolvence\/#breadcrumbitem"}]}]