Co je a jak vyhlásit osobní bankrot

21. prosinec 2013 | 00:37

Osobní bankrot, neboli oddlužení je nejkrajnější možností, jak se zbavit dluhů. Dlužník ale musí splnit podmínky, aby na sebe tento bankrot mohl vyhlásit.

Především  je na úvod nutné konstatovat, že osobní bankrot je jednou z částí insolvenčního zákona, který řeší úpadek nebo hrozící úpadek fyzických osob a podnikatelů. Je to metoda oddlužení.

Zákon stanoví podání návrhu pouze na stanoveném formuláři. Návrh na povolení oddlužení musí obsahovat:

  • značení dlužníka
  • údaje o očekávaných příjmech dlužníka v následujících 5  letech
  • údaje o všech dlužníkových příjmech za poslední 3 roky
  • dlužník navrhne způsob oddlužení – zda se zpeněží majetek dlužníka, či zda bude dlužník oddlužen plněním splátkového kalendáře
  • dlužník musí popsat rozhodující skutečnosti osvědčující jeho úpadek případně hrozící úpadek
  • dlužník musí popsat okolnosti z nichž lze usuzovat, že nezajištění věřitelé obdrží minimálně 30% svých pohledávek

To není všechno. Dále dlužník musí doložit seznamy majetku a závazků, listiny dokládající údaje o příjmech dlužníka nebo listiny dokládající jednotlivé závazky.

Podmínky osobního bankrotu

Aby dlužník mohl požádat o vyhlášní osobního bankrotu, neboli oddlužení, musí splňovat následující podmínky.

  • Nejméně dva věřitelé, nestačí mít jen jednoho
  • Peněžité závazky musí být po dobu delší 30 dnů po lhůtě splatnosti
  • Dlužník je v paltební nescjopnosti. Závazky není schopen plnit. V platební neschopnosti je dlužník, když zastaví platby podstatné části svých peněžitých závazků, nebo je neplní po dobu delší 3 měsíců po lhůtě splatnosti a je v exekuci
  • Dluhy nesmí být z podnikání. Ovšem tato podmínka není zcela přesná
  • Dlužník musí mít dostatečný příjem, aby byl schopen v průběhu 5 let zaplatit alespoň 30 % ze svých nezajištěných dluhů
  • Dlužník musí mí čistý trestní rejstřík 5 let před zahájením insolvenčního řízení

Jaký je rozdíl mezi oddlužením a konsolidací: Jak řešit dluhy z půjček? Třeba konsolidací či oddlužením

Autor: Redakce

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Čtěte také...

Jak řešit dluhy z půjček? Třeba konsolidací či oddlužením

Když splácení půjček přeroste přes hlavu, je jednou z možností konsolidace půjček. V horším případě na řadu přichází možnost oddlužení.



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_mplant tedavileristeril ortamlarda meydana getirilen genellikle k_yt_r_k cerrahi çal_şmalemlerdir.
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_ki aşamal_ uygulamada implant_n üzerine rastgele bir şerha sarg_lanmaz
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Genel duyum yitimi alt_nda diş tedavisi uygulanan hastalar
herhangi bir balk_l_ cerrahi işlem ci_erin uyutulur ve hizmetlemin ahir da uyand_r_l_r.


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Diş implantlar_n_n başar_s_ implant çevresindeki kemik rakam_yla do_rudan ilişkilidir.
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2) Kistli yahut iltahapl_ dişlerin çekimi gerekiyorsa bu da ertelenmemelidir.
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Bu durumda da mobil protez ya da implant yap_labilir.
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üzerine bünyelacak çak_l_ bir köprüyle, a__zdaki di_er tabii  dişler korunacak yahut paras_z k_p_rdak protez kullan_vermek zorunda kalmayacakt_r.      

350 hastaya implant yerleştirildikten sonra yap_lan bir ankette,
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Baz_ bedensel rahats_zl_klar yahut engeller yüz implant binalmas_ sak_ncal_ mümkün.
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