{"id":2772,"date":"2025-08-17T19:18:57","date_gmt":"2025-08-17T17:18:57","guid":{"rendered":"https:\/\/podnikani.wiki\/?p=2772"},"modified":"2025-08-17T19:20:20","modified_gmt":"2025-08-17T17:20:20","slug":"jak-probiha-proces-oddluzeni","status":"publish","type":"post","link":"https:\/\/podnikani.wiki\/jak-probiha-proces-oddluzeni\/","title":{"rendered":"Jak prob\u00edh\u00e1 proces oddlu\u017een\u00ed?"},"content":{"rendered":"\n

Oddlu\u017een\u00ed, \u010dasto ozna\u010dovan\u00e9 jako osobn\u00ed bankrot, je leg\u00e1ln\u00ed cesta, jak se fyzick\u00e1 osoba m\u016f\u017ee zbavit dluh\u016f, kter\u00e9 u\u017e nen\u00ed schopna spl\u00e1cet. C\u00edlem tohoto procesu nen\u00ed jen ochrana dlu\u017en\u00edka p\u0159ed exekucemi, ale i uspokojen\u00ed v\u011b\u0159itel\u016f v r\u00e1mci jasn\u011b stanoven\u00fdch pravidel. Jak cel\u00fd proces oddlu\u017een\u00ed v \u010cesk\u00e9 republice v\u00e1m vysv\u011btl\u00ed\u00a0Advok\u00e1tn\u00ed kancel\u00e1\u0159 Olomouc<\/mark><\/a>.<\/mark><\/p>\n\n\n\n

1. P\u0159\u00edprava a pod\u00e1n\u00ed n\u00e1vrhu<\/h2>\n\n\n\n

Proces oddlu\u017een\u00ed za\u010d\u00edn\u00e1 pod\u00e1n\u00edm tzv. insolven\u010dn\u00edho n\u00e1vrhu spojen\u00e9ho s n\u00e1vrhem na povolen\u00ed oddlu\u017een\u00ed<\/strong>. Od roku 2017 m\u016f\u017ee tento n\u00e1vrh podat pouze pov\u011b\u0159en\u00e1 osoba<\/strong> \u2013 typicky advok\u00e1t<\/mark><\/a>, not\u00e1\u0159, insolven\u010dn\u00ed spr\u00e1vce nebo akreditovan\u00e1 neziskov\u00e1 organizace. Samostatn\u00e9 pod\u00e1n\u00ed laickou osobou u\u017e nen\u00ed mo\u017en\u00e9.<\/p>\n\n\n\n

2. Zah\u00e1jen\u00ed insolven\u010dn\u00edho \u0159\u00edzen\u00ed<\/h2>\n\n\n\n

Po doru\u010den\u00ed n\u00e1vrhu insolven\u010dn\u00edmu soudu (dle m\u00edsta trval\u00e9ho bydli\u0161t\u011b dlu\u017en\u00edka) soud zah\u00e1j\u00ed insolven\u010dn\u00ed \u0159\u00edzen\u00ed<\/strong>. Tento krok m\u00e1 v\u00fdznamn\u00e9 d\u016fsledky:<\/p>\n\n\n\n

    \n
  • zastavuj\u00ed se exekuce<\/strong> veden\u00e9 proti dlu\u017en\u00edkovi,<\/li>\n\n\n\n
  • v\u011b\u0159itel\u00e9 se mohou p\u0159ihl\u00e1sit<\/strong> se sv\u00fdmi pohled\u00e1vkami (maj\u00ed na to 2 m\u011bs\u00edce od rozhodnut\u00ed o \u00fapadku),<\/li>\n\n\n\n
  • dlu\u017en\u00edk nesm\u00ed nakl\u00e1dat se sv\u00fdm majetkem bez souhlasu spr\u00e1vce nebo soudu.<\/li>\n<\/ul>\n\n\n\n

    3. Rozhodnut\u00ed o \u00fapadku a povolen\u00ed oddlu\u017een\u00ed<\/h2>\n\n\n\n

    Soud n\u00e1sledn\u011b posoud\u00ed, zda je dlu\u017en\u00edk skute\u010dn\u011b v \u00fapadku<\/strong> (m\u00e1 v\u00edce v\u011b\u0159itel\u016f a nen\u00ed schopen dlouhodob\u011b plnit sv\u00e9 z\u00e1vazky). Pokud ano, vyd\u00e1 rozhodnut\u00ed o \u00fapadku a z\u00e1rove\u0148 rozhodne o povolen\u00ed oddlu\u017een\u00ed<\/strong>.<\/p>\n\n\n\n

    4. Schv\u00e1len\u00ed zp\u016fsobu oddlu\u017een\u00ed<\/h2>\n\n\n\n

    Insolven\u010dn\u00ed soud rozhodne, jak\u00fdm zp\u016fsobem bude oddlu\u017een\u00ed prob\u00edhat:<\/p>\n\n\n\n

      \n
    • spl\u00e1tkov\u00fdm kalend\u00e1\u0159em<\/li>\n\n\n\n
    • zpen\u011b\u017een\u00edm majetku<\/li>\n\n\n\n
    • nebo kombinac\u00ed obou p\u0159\u00edstup\u016f.<\/li>\n<\/ul>\n\n\n\n

      Pokud soud uzn\u00e1, \u017ee n\u00e1vrh byl pod\u00e1n poctiv\u011b a dlu\u017en\u00edk m\u00e1 re\u00e1lnou \u0161anci dost\u00e1t alespo\u0148 \u010d\u00e1ste\u010dn\u011b sv\u00fdm z\u00e1vazk\u016fm, oddlu\u017een\u00ed schv\u00e1l\u00ed.<\/p>\n\n\n\n

      5. Pr\u016fb\u011bh oddlu\u017een\u00ed<\/h2>\n\n\n\n

      Po schv\u00e1len\u00ed oddlu\u017een\u00ed se zah\u00e1j\u00ed samotn\u00fd proces spl\u00e1cen\u00ed<\/strong>. Dlu\u017en\u00edk ka\u017ed\u00fd m\u011bs\u00edc odv\u00e1d\u00ed \u010d\u00e1st sv\u00fdch p\u0159\u00edjm\u016f (po ode\u010dten\u00ed \u017eivotn\u00edho minima) spr\u00e1vci, mus\u00ed dodr\u017eovat re\u017eim stanoven\u00fd soudem a spr\u00e1vn\u011b plnit sv\u00e9 povinnosti. Spr\u00e1vce pak pod\u00e1v\u00e1 zpr\u00e1vu o pr\u016fb\u011bhu oddlu\u017een\u00ed, kterou hodnot\u00ed soud i v\u011b\u0159itel\u00e9. Po uplynut\u00ed 3 a\u017e 5 let, p\u0159\u00edpadn\u011b po uhrazen\u00ed stanoven\u00e9 \u010d\u00e1sti dluh\u016f, insolven\u010dn\u00ed soud posoud\u00ed, zda dlu\u017en\u00edk plnil \u0159\u00e1dn\u011b sv\u00e9 povinnosti<\/strong>. Pokud ano, vyd\u00e1 rozhodnut\u00ed o osvobozen\u00ed od zbytku nesplacen\u00fdch dluh\u016f<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"

      Oddlu\u017een\u00ed, \u010dasto ozna\u010dovan\u00e9 jako osobn\u00ed bankrot, je leg\u00e1ln\u00ed cesta, jak se fyzick\u00e1 osoba m\u016f\u017ee zbavit dluh\u016f, kter\u00e9 u\u017e nen\u00ed schopna spl\u00e1cet. C\u00edlem…<\/p>\n","protected":false},"author":1,"featured_media":2773,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-2772","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rady-a-navody"],"_links":{"self":[{"href":"https:\/\/podnikani.wiki\/wp-json\/wp\/v2\/posts\/2772","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/podnikani.wiki\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/podnikani.wiki\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/podnikani.wiki\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/podnikani.wiki\/wp-json\/wp\/v2\/comments?post=2772"}],"version-history":[{"count":0,"href":"https:\/\/podnikani.wiki\/wp-json\/wp\/v2\/posts\/2772\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/podnikani.wiki\/wp-json\/wp\/v2\/media\/2773"}],"wp:attachment":[{"href":"https:\/\/podnikani.wiki\/wp-json\/wp\/v2\/media?parent=2772"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/podnikani.wiki\/wp-json\/wp\/v2\/categories?post=2772"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/podnikani.wiki\/wp-json\/wp\/v2\/tags?post=2772"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}