[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aanet.cz\/exekutor-uz-klepe-na-dvere-aneb-jak-se-dostat-z-dluhu\/#Article","mainEntityOfPage":"https:\/\/www.aanet.cz\/exekutor-uz-klepe-na-dvere-aneb-jak-se-dostat-z-dluhu\/","headline":"Exekutor u\u017e klepe na dve\u0159e aneb jak se dostat z dluh\u016f?","name":"Exekutor u\u017e klepe na dve\u0159e aneb jak se dostat z dluh\u016f?","description":"Popt\u00e1vka po p\u016fj\u010dk\u00e1ch na r\u016fznorod\u00e9 sumy st\u00e1le nar\u016fst\u00e1, s n\u00ed v\u0161ak i po\u010det lid\u00ed neschopn\u00fdch sv\u016fj dluh splatit. Nez\u0159\u00eddka kdy tedy nastupuj\u00ed na sc\u00e9nu exekuto\u0159i. Jak se v\u0161ak exekuci vyhnout a splatit sv\u016fj dluh d\u0159\u00edv, ne\u017e p\u0159ijdete o st\u0159echu nad hlavou? 
 1) Konsolidace p\u016fj\u010dek
 
 Pokud m\u00e1te v\u00edce \u00fav\u011br\u016f a nest\u00edh\u00e1te je v\u0161echny n\u00e1le\u017eit\u011b … ","datePublished":"2019-06-08","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.aanet.cz\/author\/#Person","name":"","url":"https:\/\/www.aanet.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aanet.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aanet.cz\/wp-content\/uploads\/img_a349449_w2569_t1564426756.jpg","url":"https:\/\/www.aanet.cz\/wp-content\/uploads\/img_a349449_w2569_t1564426756.jpg","height":0,"width":0},"url":"https:\/\/www.aanet.cz\/exekutor-uz-klepe-na-dvere-aneb-jak-se-dostat-z-dluhu\/","wordCount":533,"articleBody":"Popt\u00e1vka po p\u016fj\u010dk\u00e1ch na r\u016fznorod\u00e9 sumy st\u00e1le nar\u016fst\u00e1, s n\u00ed v\u0161ak i po\u010det lid\u00ed neschopn\u00fdch sv\u016fj dluh splatit. Nez\u0159\u00eddka kdy tedy nastupuj\u00ed na sc\u00e9nu exekuto\u0159i. Jak se v\u0161ak exekuci vyhnout a splatit sv\u016fj dluh d\u0159\u00edv, ne\u017e p\u0159ijdete o st\u0159echu nad hlavou?
 1) Konsolidace p\u016fj\u010dek
 
 Pokud m\u00e1te v\u00edce \u00fav\u011br\u016f a nest\u00edh\u00e1te je v\u0161echny n\u00e1le\u017eit\u011b spl\u00e1cet, je mo\u017en\u00e9 je v\u0161echny slou\u010dit do jedn\u00e9 \u2013 budete tedy platit m\u011bs\u00ed\u010dn\u011b jen jednu \u010d\u00e1stku za v\u0161echny va\u0161e slou\u010den\u00e9 \u00fav\u011bry. T\u00edm se nejen vyhnete mo\u017enosti, \u017ee n\u011bkterou z p\u016fj\u010dek zapomenete zaplatit a vyslou\u017e\u00edte si t\u00edm nemal\u00e9 pen\u00e1le, z\u00e1rove\u0148 m\u00e1te \u0161anci z\u00edskat ni\u017e\u0161\u00ed \u00farok a t\u00edm m\u011bs\u00ed\u010dn\u011b u\u0161et\u0159it hezkou sumu pen\u011bz. P\u0159i konsolidaci t\u00e9\u017e z\u00edsk\u00e1v\u00e1te mo\u017enost si spl\u00e1tky rozvrhnout na del\u0161\u00ed \u010dasov\u00e9 obdob\u00ed, d\u00edky \u010demu\u017e jste op\u011bt schopn\u00ed n\u011bjakou tu korunu m\u011bs\u00ed\u010dn\u011b u\u0161et\u0159it.
 2) Nep\u016fj\u010dujte si na splacen\u00ed dluhu
 
 T\u00edm, \u017ee si p\u016fj\u010d\u00edte, abyste vyrovnali jinou p\u016fj\u010dku, se z probl\u00e9m\u016f rozhodn\u011b nedostanete. Ba naopak, dostanete se do jak\u00e9hosi za\u010darovan\u00e9ho kruhu pln\u00e9ho smluv, \u00fav\u011br\u016f, poplatk\u016f, spl\u00e1cen\u00ed a dal\u0161\u00edch smluv ve snaze smazat sv\u00e9 jm\u00e9no z registru dlu\u017en\u00edk\u016f. Rad\u011bji si najd\u011bte n\u011bjak\u00fd vedlej\u0161\u00ed p\u0159\u00edjem, prodejte nepot\u0159ebn\u00e9 \u010di se prost\u011b a jen uskromn\u011bte, p\u0159i\u010dem\u017e se st\u0159\u00e1d\u00e1n\u00ed pen\u011bz hned stane jednodu\u0161\u0161\u00edm.
 3) Osobn\u00ed bankrot
 
 Posledn\u00ed a nejkrajn\u011bj\u0161\u00ed mo\u017enost, pokud u\u017e opravdu nev\u00edte kudy kam. P\u0159esto byste si jeho vyhl\u00e1\u0161en\u00ed m\u011bli opravdu velmi dob\u0159e rozmyslet, nejl\u00e9pe se o n\u011bm pora\u010fte se sv\u00fdm finan\u010dn\u00edm poradcem, kter\u00fd v\u00e1m detailn\u011b osv\u011btl\u00ed o co se jedn\u00e1 a jak\u00e9 jsou jeho podm\u00ednky. P\u0159i vyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu se na 5 let zavazujete \u017e\u00edt z tzv. \u017eivotn\u00edho minima, tedy z minim\u00e1ln\u00ed hranice p\u0159\u00edjm\u016f, kter\u00e9 slou\u017e\u00ed k zaji\u0161t\u011bn\u00ed v\u00e1s a va\u0161\u00ed rodiny, nebo\u0165 zbytek va\u0161ich p\u0159\u00edjm\u016f p\u0159ech\u00e1z\u00ed pr\u00e1v\u011b na platbu va\u0161\u00ed p\u016fj\u010dky. Pokud za 5 let dok\u00e1\u017eete splatit alespo\u0148 30%, za 3 roky 60% dluhu \u010di alespo\u0148 minim\u00e1ln\u00ed procento za 5 let, budete tzv. oddlu\u017een a zbytek dluhu v\u00e1m bude odpu\u0161t\u011bn.
 4) Do dluh\u016f se v\u016fbec nedostat
 
 T\u00edm nejjednodu\u0161\u0161\u00edm zp\u016fsobem je nezadlu\u017eit se. P\u0159em\u00fd\u0161lejte, ne\u017e si u banky p\u016fj\u010d\u00edte, informujte se a neberte si \u00fav\u011bry na v\u011bci, kter\u00e9 opravdu a nutn\u011b nepot\u0159ebujete, nebo\u0165 a\u017e se zadlu\u017e\u00edte do takov\u00e9 m\u00edry, \u017ee nebudete schopni spl\u00e1cet, t\u00fdden v Karibiku \u010di jin\u00e9 exotick\u00e9 destinaci v\u00e1s opravdu nezachr\u00e1n\u00ed. V\u017edy se tedy d\u016fkladn\u011b informujte u bank a finan\u010dn\u00edch poradc\u016f, nechte si vystavit co nejni\u017e\u0161\u00ed \u00farok, nezapom\u00ednejte na RPSN a v\u0161e poctiv\u011b spl\u00e1cejte tak, jak m\u00e1te.                                                                                                                                                                                                                                                                                                                                                                                        3.2\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Exekutor u\u017e klepe na dve\u0159e aneb jak se dostat z dluh\u016f?","item":"https:\/\/www.aanet.cz\/exekutor-uz-klepe-na-dvere-aneb-jak-se-dostat-z-dluhu\/#breadcrumbitem"}]}]