{"id":10597,"date":"2025-08-27T09:44:43","date_gmt":"2025-08-27T07:44:43","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=10597"},"modified":"2025-09-13T15:45:25","modified_gmt":"2025-09-13T13:45:25","slug":"osobni-bankrot-co-to-je-jak-ho-vyhlasit-a-jak-probiha","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/osobni-bankrot-co-to-je-jak-ho-vyhlasit-a-jak-probiha\/","title":{"rendered":"Osobn\u00ed bankrot: Co to je, jak ho vyhl\u00e1sit a jak prob\u00edh\u00e1"},"content":{"rendered":"<p><b>Osobn\u00ed bankrot neboli oddlu\u017een\u00ed je leg\u00e1ln\u00ed cesta, jak se zbavit dluhov\u00e9 pasti a za\u010d\u00edt znovu. Umo\u017e\u0148uje dlu\u017en\u00edkovi slou\u010dit z\u00e1vazky, zastavit exekuce a postupn\u011b spl\u00e1cet dluhy pod dohledem soudu a insolven\u010dn\u00edho spr\u00e1vce. Po spln\u011bn\u00ed stanoven\u00fdch podm\u00ednek m\u016f\u017ee b\u00fdt zbytek dluh\u016f odpu\u0161t\u011bn. Jak tento proces funguje a co je pot\u0159eba splnit?<\/b><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Obsah<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f22ad21d7a6\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #666666;color:#666666\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #666666;color:#666666\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f22ad21d7a6\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/orangeacademy.cz\/clanky\/osobni-bankrot-co-to-je-jak-ho-vyhlasit-a-jak-probiha\/#Co_je_to_osobni_bankrot\" >Co je to osobn\u00ed bankrot?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/orangeacademy.cz\/clanky\/osobni-bankrot-co-to-je-jak-ho-vyhlasit-a-jak-probiha\/#Jak_vyhlasit_osobni_bankrot\" >Jak vyhl\u00e1sit osobn\u00ed bankrot?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/orangeacademy.cz\/clanky\/osobni-bankrot-co-to-je-jak-ho-vyhlasit-a-jak-probiha\/#Ktera_instituce_schvaluje_osobni_bankrot\" >Kter\u00e1 instituce schvaluje osobn\u00ed bankrot?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/orangeacademy.cz\/clanky\/osobni-bankrot-co-to-je-jak-ho-vyhlasit-a-jak-probiha\/#Jak_probiha_osobni_bankrot\" >Jak prob\u00edh\u00e1 osobn\u00ed bankrot<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/orangeacademy.cz\/clanky\/osobni-bankrot-co-to-je-jak-ho-vyhlasit-a-jak-probiha\/#Insolvencni_rejstrik_a_role_insolvencniho_spravce\" >Insolven\u010dn\u00ed rejst\u0159\u00edk a role insolven\u010dn\u00edho spr\u00e1vce<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Co_je_to_osobni_bankrot\"><\/span><span style=\"font-weight: 400;\">Co je to osobn\u00ed bankrot?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Osobn\u00ed bankrot, zn\u00e1m\u00fd tak\u00e9 jako <strong>oddlu\u017een\u00ed<\/strong>, je z\u00e1konn\u00fd zp\u016fsob \u0159e\u0161en\u00ed \u00fapadku fyzick\u00e9 osoby. \u00dapadek nast\u00e1v\u00e1 tehdy, kdy\u017e m\u00e1 dlu\u017en\u00edk v\u00edce v\u011b\u0159itel\u016f a nen\u00ed schopen sv\u00e9 z\u00e1vazky dlouhodob\u011b spl\u00e1cet. Tento proces prob\u00edh\u00e1 v r\u00e1mci insolven\u010dn\u00edho \u0159\u00edzen\u00ed a jeho c\u00edlem je umo\u017enit dlu\u017en\u00edkovi <strong>postupn\u011b splatit \u010d\u00e1st dluh\u016f a z\u00edskat \u0161anci na nov\u00fd za\u010d\u00e1tek.<\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Podstatou oddlu\u017een\u00ed je slou\u010den\u00ed v\u0161ech z\u00e1vazk\u016f do jedn\u00e9 spl\u00e1tky, kterou dlu\u017en\u00edk pravideln\u011b hrad\u00ed. B\u011bhem \u0159\u00edzen\u00ed se zastavuj\u00ed exekuce a nenar\u016fstaj\u00ed \u00faroky ani sankce. V\u00fd\u0161e uspokojen\u00ed v\u011b\u0159itel\u016f z\u00e1vis\u00ed na p\u0159\u00edjmov\u00fdch mo\u017enostech dlu\u017en\u00edka a jeho schopnosti vyd\u011bl\u00e1vat. N\u011bkter\u00e9 z\u00e1vazky, nap\u0159\u00edklad v\u00fd\u017eivn\u00e9, <strong>mus\u00ed b\u00fdt uhrazeny v pln\u00e9 v\u00fd\u0161i,<\/strong> jin\u00e9 mohou b\u00fdt \u010d\u00e1ste\u010dn\u011b odpu\u0161t\u011bny. Pokud dlu\u017en\u00edk spln\u00ed v\u0161echny podm\u00ednky stanoven\u00e9 soudem a insolven\u010dn\u00edm spr\u00e1vcem, zbytek dluh\u016f mu<strong> m\u016f\u017ee b\u00fdt po ukon\u010den\u00ed oddlu\u017een\u00ed odpu\u0161t\u011bn.<\/strong> Tento institut je upraven insolven\u010dn\u00edm z\u00e1konem a p\u0159edstavuje jednu z mo\u017enost\u00ed, jak \u0159e\u0161it <a href=\"https:\/\/orangeacademy.cz\/clanky\/vymahani-pohledavek\/\" target=\"_blank\" rel=\"noopener\">platebn\u00ed neschopnost.<\/a><\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Jak_vyhlasit_osobni_bankrot\"><\/span><span style=\"font-weight: 400;\">Jak vyhl\u00e1sit osobn\u00ed bankrot?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Kontaktujte odborn\u00edka <\/strong>\u2013 N\u00e1vrh na oddlu\u017een\u00ed mus\u00ed sepsat a podat advok\u00e1t, not\u00e1\u0159, insolven\u010dn\u00ed spr\u00e1vce, soudn\u00ed exekutor nebo akreditovan\u00e1 osoba. Dlu\u017en\u00edk si n\u00e1vrh nem\u016f\u017ee podat s\u00e1m.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Pod\u00e1n\u00ed n\u00e1vrhu<\/strong> \u2013 N\u00e1vrh se pod\u00e1v\u00e1 na krajsk\u00fd soud podle m\u00edsta trval\u00e9ho bydli\u0161t\u011b dlu\u017en\u00edka. Mus\u00ed obsahovat:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">osobn\u00ed \u00fadaje,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">seznam z\u00e1vazk\u016f a majetku,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">p\u0159\u00edjmy za posledn\u00edch 12 m\u011bs\u00edc\u016f,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">o\u010dek\u00e1van\u00e9 p\u0159\u00edjmy na dal\u0161\u00ed rok,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">n\u00e1vrh zp\u016fsobu oddlu\u017een\u00ed (spl\u00e1tkov\u00fd kalend\u00e1\u0159 nebo zpen\u011b\u017een\u00ed majetku).<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zah\u00e1jen\u00ed insolven\u010dn\u00edho \u0159\u00edzen\u00ed \u2013 Do 3 pracovn\u00edch dn\u016f od pod\u00e1n\u00ed n\u00e1vrhu soud zah\u00e1j\u00ed \u0159\u00edzen\u00ed a zve\u0159ejn\u00ed jej v Insolven\u010dn\u00edm rejst\u0159\u00edku (ISIR).<\/span><\/li>\n<\/ol>\n<span class='mb-center maxbutton-4-center'><span class='maxbutton-4-container mb-container'><a class=\"maxbutton-4 maxbutton maxbutton-rekvalifikacni-kurzy-2\" target=\"_blank\" title=\"Rekvalifika\u010dn\u00ed kurzy\" rel=\"noopener\" href=\"https:\/\/orangeacademy.cz\/rekvalifikacni-kurzy\"><span class='mb-text'>Studujte rekvalifika\u010dn\u00ed kurzy<\/span><\/a><\/span><\/span>\n<h2><span class=\"ez-toc-section\" id=\"Ktera_instituce_schvaluje_osobni_bankrot\"><\/span><span style=\"font-weight: 400;\">Kter\u00e1 instituce schvaluje osobn\u00ed bankrot?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Osobn\u00ed bankrot schvaluje <\/span><b>insolven\u010dn\u00ed soud<\/b><span style=\"font-weight: 400;\">, tedy krajsk\u00fd soud p\u0159\u00edslu\u0161n\u00fd podle m\u00edsta bydli\u0161t\u011b dlu\u017en\u00edka. Soud posuzuje n\u00e1vrh, stanov\u00ed insolven\u010dn\u00edho spr\u00e1vce a rozhoduje o povolen\u00ed oddlu\u017een\u00ed.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Podm\u00ednky pro povolen\u00ed osobn\u00edho bankrotu<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Aby soud oddlu\u017een\u00ed povolil, mus\u00ed dlu\u017en\u00edk splnit tyto podm\u00ednky:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">m\u00e1 minim\u00e1ln\u011b dva v\u011b\u0159itele,<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">z\u00e1vazky jsou v\u00edce ne\u017e 30 dn\u00ed po splatnosti,<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">nen\u00ed schopen z\u00e1vazky dlouhodob\u011b spl\u00e1cet,<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">m\u00e1 stabiln\u00ed p\u0159\u00edjem,<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">prokazuje poctiv\u00fd z\u00e1m\u011br a odpov\u011bdn\u00fd p\u0159\u00edstup,<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">nem\u00e1 kvalifikovanou insolven\u010dn\u00ed historii (nap\u0159. nepro\u0161el oddlu\u017een\u00edm v posledn\u00edch 12 letech).<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Jak_probiha_osobni_bankrot\"><\/span><span style=\"font-weight: 400;\">Jak prob\u00edh\u00e1 osobn\u00ed bankrot<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">1. P\u0159\u00edprava a pod\u00e1n\u00ed n\u00e1vrhu<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e1vrh na povolen\u00ed oddlu\u017een\u00ed se pod\u00e1v\u00e1 sou\u010dasn\u011b s insolven\u010dn\u00edm n\u00e1vrhem nebo do 30 dn\u016f od doru\u010den\u00ed insolven\u010dn\u00edho n\u00e1vrhu od v\u011b\u0159itele.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pod\u00e1v\u00e1 se <strong>krajsk\u00e9mu soudu dle bydli\u0161t\u011b dlu\u017en\u00edka<\/strong> na p\u0159edepsan\u00e9m formul\u00e1\u0159i (dostupn\u00fd na justice.cz).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Podpis mus\u00ed b\u00fdt \u00fa\u0159edn\u011b ov\u011b\u0159en.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>K n\u00e1vrhu je nutn\u00e9 p\u0159ilo\u017eit:<\/strong>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\">seznam majetku a z\u00e1vazk\u016f (aktu\u00e1ln\u00ed v\u00fd\u0161e dluh\u016f v\u010detn\u011b \u00farok\u016f),<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\">doklady o p\u0159\u00edjmech za posledn\u00ed 3 roky,<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\">p\u0159\u00edpadn\u00e9 souhlasy v\u011b\u0159itel\u016f, pokud maj\u00ed dostat m\u00e9n\u011b ne\u017e 30 % pohled\u00e1vky,<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\">smlouvu o daru nebo z\u00e1vazku t\u0159et\u00ed osoby, pokud bude pom\u00e1hat se spl\u00e1cen\u00edm.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">2. Rozhodnut\u00ed soudu<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Soud posoud\u00ed n\u00e1vrh a rozhodne, zda oddlu\u017een\u00ed povol\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ur\u010d\u00ed zp\u016fsob oddlu\u017een\u00ed:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><strong>A) Zpen\u011b\u017een\u00ed majetkov\u00e9 podstaty \u2013<\/strong> prodej majetku.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><strong>B) Spl\u00e1tkov\u00fd kalend\u00e1\u0159 \u2013<\/strong> nejb\u011b\u017en\u011bj\u0161\u00ed varianta, spl\u00e1cen\u00ed po dobu a\u017e 5 let.<\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">O zp\u016fsobu hlasuj\u00ed nezaji\u0161t\u011bn\u00ed v\u011b\u0159itel\u00e9, pot\u00e9 jej schvaluje soud.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Soud jmenuje insolven\u010dn\u00edho spr\u00e1vce, kter\u00fd proces vede.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">3. Povinnosti b\u011bhem oddlu\u017een\u00ed<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vykon\u00e1vat p\u0159im\u011b\u0159enou v\u00fdd\u011ble\u010dnou \u010dinnost (pokud jste nezam\u011bstnan\u00ed, mus\u00edte aktivn\u011b hledat pr\u00e1ci).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Odevzdat insolven\u010dn\u00edmu spr\u00e1vci dary, d\u011bdictv\u00ed, mimo\u0159\u00e1dn\u00e9 p\u0159\u00edjmy (nap\u0159. bonusy, v\u00fdhry).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ka\u017ed\u00fdch 6 m\u011bs\u00edc\u016f p\u0159edkl\u00e1dat p\u0159ehled p\u0159\u00edjm\u016f soudu, spr\u00e1vci a v\u011b\u0159itel\u016fm.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nesm\u00edte:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">zatajit majetek,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">poskytovat v\u011b\u0159itel\u016fm zvl\u00e1\u0161tn\u00ed v\u00fdhody,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">br\u00e1t si nov\u00e9 p\u016fj\u010dky,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">b\u00fdt v prodlen\u00ed s povinn\u00fdmi platbami d\u00e9le ne\u017e 30 dn\u00ed.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">4. Ukon\u010den\u00ed oddlu\u017een\u00ed<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pokud spln\u00edte v\u0161echny povinnosti, soud v\u00e1s osvobod\u00ed od zbytku dluh\u016f.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pokud podm\u00ednky poru\u0161\u00edte, soud oddlu\u017een\u00ed zru\u0161\u00ed a n\u00e1sleduje konkurs (\u017e\u00e1dn\u00e9 odpu\u0161t\u011bn\u00ed dluh\u016f).<\/span><\/li>\n<\/ul>\n<div id=\"attachment_10600\" style=\"width: 2570px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-10600\" class=\"size-full wp-image-10600\" src=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2025\/08\/osobni-bankrot-podminky--scaled.jpeg\" alt=\"osobn\u00ed bankrot \" width=\"2560\" height=\"1707\" srcset=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2025\/08\/osobni-bankrot-podminky--scaled.jpeg 2560w, https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2025\/08\/osobni-bankrot-podminky--1280x854.jpeg 1280w, https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2025\/08\/osobni-bankrot-podminky--980x653.jpeg 980w, https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2025\/08\/osobni-bankrot-podminky--480x320.jpeg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 2560px, 100vw\" \/><p id=\"caption-attachment-10600\" class=\"wp-caption-text\">osobn\u00ed bankrot<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Insolvencni_rejstrik_a_role_insolvencniho_spravce\"><\/span><span style=\"font-weight: 400;\">Insolven\u010dn\u00ed rejst\u0159\u00edk a role insolven\u010dn\u00edho spr\u00e1vce<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/orangeacademy.cz\/clanky\/registr-dluzniku\/\" target=\"_blank\" rel=\"noopener\">ISIR (Insolven\u010dn\u00ed rejst\u0159\u00edk)<\/a> je ve\u0159ejn\u011b dostupn\u00e1 datab\u00e1ze spravovan\u00e1 Ministerstvem spravedlnosti \u010cR. Najdete v n\u00ed v\u0161echny informace o prob\u00edhaj\u00edc\u00edch i ukon\u010den\u00fdch insolven\u010dn\u00edch \u0159\u00edzen\u00edch. P\u0159\u00edstup je zdarma na <a href=\"https:\/\/isir.justice.cz\/isir\/common\/index.do\" target=\"_blank\" rel=\"noopener\">isir.justice.cz<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Po zah\u00e1jen\u00ed oddlu\u017een\u00ed je <strong>kl\u00ed\u010dovou osobou insolven\u010dn\u00ed spr\u00e1vce.<\/strong> Ten dohl\u00ed\u017e\u00ed na cel\u00fd proces, p\u0159ezkoum\u00e1v\u00e1 p\u0159ihl\u00e1\u0161en\u00e9 pohled\u00e1vky, sleduje p\u0159\u00edjmy dlu\u017en\u00edka a zaji\u0161\u0165uje, aby byly spl\u00e1tky rozd\u011blov\u00e1ny v\u011b\u0159itel\u016fm podle z\u00e1kona. Dlu\u017en\u00edk je povinen se spr\u00e1vcem spolupracovat a pravideln\u011b hl\u00e1sit p\u0159\u00edjmy, p\u0159izn\u00e1vat mimo\u0159\u00e1dn\u00e9 pen\u00edze a pou\u017e\u00edvat je na spl\u00e1cen\u00ed dluh\u016f. Pokud tyto povinnosti nepln\u00ed, soud m\u016f\u017ee oddlu\u017een\u00ed zru\u0161it a exekuce se obnov\u00ed. Naopak p\u0159i \u0159\u00e1dn\u00e9m spln\u011bn\u00ed podm\u00ednek soud zbytek dluh\u016f odpust\u00ed.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Jak\u00e1 je odm\u011bna insolven\u010dn\u00edho spr\u00e1vce?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Insolven\u010dn\u00ed spr\u00e1vce m\u00e1 n\u00e1rok na odm\u011bnu, kterou hrad\u00ed dlu\u017en\u00edk. Odm\u011bna se skl\u00e1d\u00e1 z n\u011bkolika \u010d\u00e1st\u00ed:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>P\u0159ezkum pohled\u00e1vek:<\/strong> 1.000 K\u010d za ka\u017edou p\u0159ihl\u00e1\u0161ku.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Zpen\u011b\u017een\u00ed majetku:<\/strong> procentn\u00ed pod\u00edl z v\u00fdt\u011b\u017eku prodeje.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>M\u011bs\u00ed\u010dn\u00ed odm\u011bna:<\/strong> <\/span><span style=\"font-weight: 400;\">1.800 K\u010d od povolen\u00ed oddlu\u017een\u00ed do jeho schv\u00e1len\u00ed <\/span><span style=\"font-weight: 400;\">pot\u00e9 900 K\u010d m\u011bs\u00ed\u010dn\u011b p\u0159i spl\u00e1tkov\u00e9m kalend\u00e1\u0159i.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u010c\u00e1stky se navy\u0161uj\u00ed o DPH, pokud je spr\u00e1vce pl\u00e1tcem. <strong>Odm\u011bna se plat\u00ed od za\u010d\u00e1tku \u0159\u00edzen\u00ed.<\/strong> Vzhledem k legislativn\u00edm zm\u011bn\u00e1m m\u016f\u017ee b\u00fdt zp\u016fsob \u00fahrady n\u011bkter\u00fdch slo\u017eek (nap\u0159. za p\u0159ezkum) r\u016fzn\u00fd, proto se doporu\u010duje konzultace s dluhov\u00fdm poradcem.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Osobn\u00ed bankrot neboli oddlu\u017een\u00ed je leg\u00e1ln\u00ed cesta, jak se zbavit dluhov\u00e9 pasti a za\u010d\u00edt znovu. Umo\u017e\u0148uje dlu\u017en\u00edkovi slou\u010dit z\u00e1vazky, zastavit exekuce a postupn\u011b spl\u00e1cet dluhy pod dohledem soudu a insolven\u010dn\u00edho spr\u00e1vce. Po spln\u011bn\u00ed stanoven\u00fdch podm\u00ednek m\u016f\u017ee b\u00fdt zbytek dluh\u016f odpu\u0161t\u011bn. Jak tento proces funguje a co je pot\u0159eba splnit? Co je to osobn\u00ed bankrot? Osobn\u00ed [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":10599,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[166,148,33,310,46,25],"class_list":["post-10597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazeno","tag-finance","tag-kam-zajit","tag-novy-zacatek","tag-penize","tag-prace","tag-zakony"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Osobn\u00ed bankrot: Co to je, jak ho vyhl\u00e1sit a jak prob\u00edh\u00e1<\/title>\n<meta name=\"description\" content=\"Osobn\u00ed bankrot neboli oddlu\u017een\u00ed je leg\u00e1ln\u00ed cesta, jak se zbavit dluhov\u00e9 pasti a za\u010d\u00edt znovu. 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