[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.icshop.cz\/zakladni-postup-a-pojmy\/#Article","mainEntityOfPage":"https:\/\/www.icshop.cz\/zakladni-postup-a-pojmy\/","headline":"Z\u00e1kladn\u00ed postup a pojmy","name":"Z\u00e1kladn\u00ed postup a pojmy","description":"Ani to nemus\u00edte tu\u0161it, \u017ee n\u011bkdo z&nbsp;va\u0161ich p\u0159\u00e1tel nebo ze \u0161ir\u0161\u00ed rodiny se dostal do dluhov\u00e9 pasti. Je to proto, \u017ee ve\u0159ejnost\u00ed je zadlu\u017een\u00ed br\u00e1no jako ostuda, nav\u00edc si lid\u00e9 velmi neradi \u0159\u00edkaj\u00ed o pomoc. Jak tedy postupovat, pokud se&hellip;\n <p> <a class=\"more-link\" href=\"https:\/\/www.icshop.cz\/zakladni-postup-a-pojmy\/\">\u010ct\u011bte v\u00edce<\/a><\/p>","datePublished":"2019-10-19","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.icshop.cz\/author\/#Person","name":"","url":"https:\/\/www.icshop.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b70ca3e57a61efa655568ea1bab21ec867ae74beaf8b182b9ca53fe6fcb8cee7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b70ca3e57a61efa655568ea1bab21ec867ae74beaf8b182b9ca53fe6fcb8cee7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"icshop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.icshop.cz\/wp-content\/uploads\/img_a356987_w3842_t1571656134.jpg","url":"https:\/\/www.icshop.cz\/wp-content\/uploads\/img_a356987_w3842_t1571656134.jpg","height":0,"width":0},"url":"https:\/\/www.icshop.cz\/zakladni-postup-a-pojmy\/","about":["Pen\u00edze"],"wordCount":492,"articleBody":"Ani to nemus\u00edte tu\u0161it, \u017ee n\u011bkdo z&nbsp;va\u0161ich p\u0159\u00e1tel nebo ze \u0161ir\u0161\u00ed rodiny se dostal do dluhov\u00e9 pasti. Je to proto, \u017ee ve\u0159ejnost\u00ed je zadlu\u017een\u00ed br\u00e1no jako ostuda, nav\u00edc si lid\u00e9 velmi neradi \u0159\u00edkaj\u00ed o pomoc. Jak tedy postupovat, pokud se naskytne p\u0159\u00edle\u017eitost t\u011bmto lidem pomoci. Z\u00e1kladn\u00edm postupem pro vypo\u0159\u00e1d\u00e1n\u00ed se s dluhy je, \u017ee osoba zadlu\u017een\u00e1 o nich mus\u00ed m\u00edt p\u0159ehled. Co to znamen\u00e1?&nbsp; Mus\u00ed zjistit a ulo\u017eit si \u00fadaje o tom komu a kolik dlu\u017e\u00ed. Tady nepom\u016f\u017ee, \u017ee bude d\u011blat mrtv\u00e9ho brouka. To dluhy nevy\u0159e\u0161\u00ed. Nav\u00edc, mnoho poskytovatel\u016f \u00fav\u011br\u016f prod\u00e1v\u00e1 sv\u00e9 pohled\u00e1vky jin\u00fdm firm\u00e1m, a tak je i tolik pot\u0159ebn\u00e9 zmapov\u00e1n\u00ed dluh\u016f velmi slo\u017eit\u00e9.Zadlu\u017een\u00fd \u010dlov\u011bk se tak\u00e9 mus\u00ed p\u0159ipravit na to, \u017ee jeho p\u016fvodn\u00ed dluhy zat\u00edm narostly o \u00faroky z&nbsp;prodlen\u00ed, o smluvn\u00ed \u00faroky, tak\u00e9 o smluvn\u00ed pokuty a dal\u0161\u00ed mo\u017en\u00e9 \u010d\u00e1stky. D\u016fle\u017eit\u00e9 je zjistit si o ka\u017ed\u00e9m sv\u00e9m dluhu informace. Kdo je v\u011b\u0159itel (ten komu dlu\u017e\u00ed), celkovou v\u00fd\u0161i dluhu (u\u017e v\u00edme, \u017ee dluh roste), od kdy dlu\u017e\u00ed, vzpomenout si na p\u016fj\u010dky, pokuty. Ale co je d\u016fle\u017eit\u00e9, pro p\u0159ehled o zadlu\u017een\u00ed je nutn\u00e9, aby si dlu\u017en\u00edk p\u0159eb\u00edral svou po\u0161tu a mohl tak v\u010das reagovat na v\u00fdzvy, nap\u0159\u00edklad od v\u011b\u0159itel\u016f.\tKde zadlu\u017een\u00ed zjistit?&nbsp;Jednou z&nbsp;mo\u017enost\u00ed, je po\u017e\u00e1dat okresn\u00ed soud v m\u00edst\u011b bydli\u0161t\u011b o v\u00fdpis v\u0161ech \u0159\u00edzen\u00ed, kter\u00e9 jsou proti va\u0161\u00ed osob\u011b veden\u00e9.&nbsp; Zadlu\u017een\u00fd m\u016f\u017ee tak\u00e9 nahl\u00e9dnout do centr\u00e1ln\u00ed evidence exekuc\u00ed \u010di do registru dlu\u017en\u00edk\u016f. Informace jsou samoz\u0159ejm\u011b za poplatek.\tKde m\u016f\u017ee b\u00fdt \u010dlov\u011bk zadlu\u017een?&nbsp;Zadlu\u017eit se m\u016f\u017eete nezaplacenou pokutou od dopravn\u00edch podnik\u016f, nezaplacen\u00edm v\u00fd\u017eivn\u00e9ho v\u016f\u010di d\u011btem, ale i man\u017eelce nebo man\u017eelovi, nezaplacen\u00ed dan\u011b z p\u0159\u00edjmu, z d\u011bdick\u00e9 dan\u011b, z dan\u011b z p\u0159evodu nemovitosti, nezaplacen\u00ed poplatk\u016f za odpad, nezaplacen\u00ed soci\u00e1ln\u00edho a zdravotn\u00edho poji\u0161t\u011bn\u00ed. Zadlu\u017eit se tak\u00e9 m\u016f\u017eete u v\u011b\u0159itel\u016f na z\u00e1klad\u011b smlouvy, v&nbsp;bance p\u0159i p\u016fj\u010dce, nebo i pokud m\u00e1te nezaplacen\u00e9 \u00fa\u010dty za n\u00e1jemn\u00e9, telefon a nedoplatky na energi\u00edch. Tady je \u0161k\u00e1la mo\u017enost\u00ed opravdu vysok\u00e1.\tKdo pom\u016f\u017ee?\t&nbsp;Nejl\u00e9pe je vyhledat v&nbsp;m\u00edst\u011b bydli\u0161t\u011b ob\u010danskou poradnu, pop\u0159\u00edpad\u011b poradnu pro \u010dlov\u011bka v&nbsp;t\u00edsni. Zde jsou ji\u017e na tuto problematiku p\u0159ipraveni odborn\u00edci, kte\u0159\u00ed mohou nap\u0159\u00edklad nab\u00eddnout z\u00e1kony dan\u00fd vstup do oddlu\u017een\u00ed, kter\u00fd m\u016f\u017ee b\u00fdt jako jedin\u00e1 mo\u017enost jinak ne\u0159e\u0161iteln\u00fdch dluh\u016f.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z\u00e1kladn\u00ed postup a pojmy","item":"https:\/\/www.icshop.cz\/zakladni-postup-a-pojmy\/#breadcrumbitem"}]}]