[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bellex.cz\/kdyz-vam-dluhy-prerostou-pres-hlavu\/#Article","mainEntityOfPage":"https:\/\/www.bellex.cz\/kdyz-vam-dluhy-prerostou-pres-hlavu\/","headline":"Kdy\u017e v\u00e1m dluhy p\u0159erostou p\u0159es hlavu","name":"Kdy\u017e v\u00e1m dluhy p\u0159erostou p\u0159es hlavu","description":"Slovo insolvence m\u00e1 latinsk\u00fd p\u016fvod a do \u010de\u0161tiny jej b\u011b\u017en\u011b p\u0159ekl\u00e1d\u00e1me jako souslov\u00ed: neschopnost dost\u00e1t","datePublished":"2020-10-20","dateModified":"2023-09-13","author":{"@type":"Person","@id":"https:\/\/www.bellex.cz\/author\/#Person","name":"","url":"https:\/\/www.bellex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4c052e7a73c1efe5fd04a7144e27996a074b623217a764a72d90cb6a084de021?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4c052e7a73c1efe5fd04a7144e27996a074b623217a764a72d90cb6a084de021?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bellex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bellex.cz\/wp-content\/uploads\/debt-1500774_960_720.png","url":"https:\/\/www.bellex.cz\/wp-content\/uploads\/debt-1500774_960_720.png","height":0,"width":0},"url":"https:\/\/www.bellex.cz\/kdyz-vam-dluhy-prerostou-pres-hlavu\/","about":["Podnik\u00e1n\u00ed"],"wordCount":453,"articleBody":"        Slovo insolvence m\u00e1 latinsk\u00fd p\u016fvod a do \u010de\u0161tiny jej b\u011b\u017en\u011b p\u0159ekl\u00e1d\u00e1me jako souslov\u00ed: neschopnost dost\u00e1t pen\u011b\u017eit\u00fdm z\u00e1vazk\u016fm. D\u00edky tomuto starobyl\u00e9mu p\u016fvodu m\u016f\u017eeme sami odvodit, \u017ee se jedn\u00e1 o stav, kter\u00fd je lidstvu zn\u00e1m\u00fd u\u017e po stalet\u00ed. Bohu\u017eel. Co tento stav znamen\u00e1 a jak mu \u010delit?Stav insolvence je vlastn\u011b stavem nev\u00fdhodn\u00fdm jak pro samotn\u00e9ho dlu\u017en\u00edka, tak tak\u00e9 pro jeho v\u011b\u0159itele, st\u00e1t i spole\u010dnost jako celek. Z tohoto d\u016fvodu je tento stav pr\u00e1vn\u011b regulov\u00e1n, v \u010cesk\u00e9 republice se jedn\u00e1 zejm\u00e9na o z\u00e1kon \u010d. 182\/2006 Sb. o \u00fapadku a zp\u016fsobech jeho \u0159e\u0161en\u00ed. Zkr\u00e1cen\u011b se ozna\u010duje jako insolven\u010dn\u00ed z\u00e1kon.Tento z\u00e1kon uv\u00e1d\u00ed, \u017ee insolvenci lze \u0159e\u0161it v insolven\u010dn\u00edm \u0159\u00edzen\u00ed (jeho p\u0159edm\u011btem je \u0159e\u0161en\u00ed \u00fapadku nebo teprve hroz\u00edc\u00edho \u00fapadku) t\u0159emi z\u00e1kladn\u00edmi zp\u016fsoby. A to konkursem, oddlu\u017een\u00edm (osobn\u00edm bankrotem) nebo reorganizac\u00ed (tento zp\u016fsob je mo\u017en\u00e9 pou\u017e\u00edt pouze u v\u011bt\u0161\u00edch firem). Toto \u0159e\u0161en\u00ed pak m\u00e1 dle z\u00e1kona v\u00e9st k uspo\u0159\u00e1d\u00e1n\u00ed majetkov\u00fdch vztah\u016f vzhledem k v\u011b\u0159itel\u016fm.D\u00e1le tento z\u00e1kon upravuje samotn\u00e9 pojmy \u201e\u00fapadek\u201c a \u201ehroz\u00edc\u00ed \u00fapadek\u201c. V \u00fapadku je dlu\u017en\u00edk, kter\u00fd m\u00e1 v\u00edce v\u011b\u0159itel\u016f, dluhy po splatnosti ve lh\u016ft\u011b del\u0161\u00ed ne\u017e 30 dn\u00ed a kter\u00fd tyto z\u00e1vazky nen\u00ed schopen plnit (nach\u00e1z\u00ed se tedy v tzv. platebn\u00ed neschopnosti). O hroz\u00edc\u00ed \u00fapadek pak jde tehdy, kdy\u017e se vzhledem k okolnostem d\u00e1 p\u0159edpokl\u00e1dat, \u017ee v brzk\u00e9 dob\u011b nebude dlu\u017en\u00edk schopen plnit \u0159\u00e1dn\u011b a v\u010das sv\u00e9 z\u00e1vazky (jejich podstatnou \u010d\u00e1st).Platebn\u00ed neschopnost nast\u00e1v\u00e1 tehdy, kdy\u017e dlu\u017en\u00edk zastav\u00ed platby podstatn\u00e9 \u010d\u00e1sti sv\u00fdch z\u00e1vazk\u016f, nepln\u00ed je po dobu del\u0161\u00ed ne\u017e 3 m\u011bs\u00edce a ani nem\u016f\u017ee uspokojit pohled\u00e1vky ani v\u00fdkonem rozhodnut\u00ed \u010di exekuc\u00ed.Se\u010dteno, podtr\u017eeno \u2013 insolvence je zkr\u00e1tka slo\u017eit\u00fd pojem, jeho\u017e \u0159e\u0161en\u00ed je nem\u00e9n\u011b slo\u017eit\u00e9. Proto se dnes na trhu pohybuje hned n\u011bkolik spole\u010dnost\u00ed, kter\u00e9 se zab\u00fdvaj\u00ed oddlu\u017een\u00edm neboli tzv. osobn\u00edm bankrotem. Posti\u017een\u00e1 osoba jako laik toti\u017e m\u00e1lokdy dok\u00e1\u017ee efektivn\u011b vy\u0159e\u0161it tento stav, v n\u011bm\u017e se ocitnula, a to a\u0165 u\u017e vlastn\u00edm \u010di ciz\u00edm zavin\u011bn\u00edm. \u010c\u00edm d\u00e9le tento stav trv\u00e1, t\u00edm m\u00e9n\u011b efektivn\u00ed je jeho \u0159e\u0161en\u00ed. Nejlep\u0161\u00ed je proto jej za\u010d\u00edt \u0159e\u0161it je\u0161t\u011b p\u0159edt\u00edm, ne\u017e se dostane a\u017e do f\u00e1ze osobn\u00edho bankrotu.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e v\u00e1m dluhy p\u0159erostou p\u0159es hlavu","item":"https:\/\/www.bellex.cz\/kdyz-vam-dluhy-prerostou-pres-hlavu\/#breadcrumbitem"}]}]