[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lopes.cz\/za-zachranu-dluzniku\/#Article","mainEntityOfPage":"https:\/\/www.lopes.cz\/za-zachranu-dluzniku\/","headline":"Za z\u00e1chranu dlu\u017en\u00edk\u016f","name":"Za z\u00e1chranu dlu\u017en\u00edk\u016f","description":"Tak n\u00e1m byl schv\u00e1len nov\u00fd insolven\u010dn\u00ed z\u00e1kon. A nejsp\u00ed\u0161e to asi bylo zapot\u0159eb\u00ed. Proto\u017ee v\u00a0situaci, kdy skoro 900000 na\u0161inc\u016f \u010del\u00ed p\u0159inejmen\u0161\u00edm jedn\u00e9 exekuci, v\u00e1\u017en\u011b nen\u00ed … ","datePublished":"2025-03-17","dateModified":"2025-03-17","author":{"@type":"Person","@id":"https:\/\/www.lopes.cz\/author\/#Person","name":"","url":"https:\/\/www.lopes.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lopes.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lopes.cz\/wp-content\/uploads\/img_a340613_w2712_t1553538332.jpg","url":"https:\/\/www.lopes.cz\/wp-content\/uploads\/img_a340613_w2712_t1553538332.jpg","height":0,"width":0},"url":"https:\/\/www.lopes.cz\/za-zachranu-dluzniku\/","wordCount":632,"articleBody":"Tak n\u00e1m byl schv\u00e1len nov\u00fd insolven\u010dn\u00ed z\u00e1kon. A nejsp\u00ed\u0161e to asi bylo zapot\u0159eb\u00ed. Proto\u017ee v\u00a0situaci, kdy skoro 900000 na\u0161inc\u016f \u010del\u00ed p\u0159inejmen\u0161\u00edm jedn\u00e9 exekuci, v\u00e1\u017en\u011b nen\u00ed n\u011bco v\u00a0po\u0159\u00e1dku.\tPodle zm\u00edn\u011bn\u00e9 novely insolven\u010dn\u00edho z\u00e1kona, ji\u017e v lednu podepsal i prezident, budou insolven\u010dn\u00ed soudy sm\u011bt t\u0159eba i takovou novotu, jako na\u0159\u00eddit dlu\u017en\u00edk\u016fm vyu\u017eit\u00ed a\u017e stovky hodin odborn\u00e9ho soci\u00e1ln\u00edho poradenstv\u00ed. To aby se t\u011bmto dostalo n\u00e1le\u017eit\u00e9ho pou\u010den\u00ed o tom, jak si maj\u00ed po\u010d\u00ednat, aby nespadli do dluhov\u00e9 pasti znovu.\t\tM\u00e1me prost\u011b dlu\u017en\u00edky b\u011bhem a\u017e sta hodin odborn\u00e9 p\u00e9\u010de nau\u010dit hospoda\u0159it. Aby se po oddlu\u017een\u00ed u\u017e nikdy do finan\u010dn\u00edch probl\u00e9m\u016f nedostali. Toto \u0161kolen\u00ed bude hrazeno st\u00e1tem a \u201apotrestan\u00fd\u2018 se proti n\u011bmu nebude moci odvolat. Co\u017e znamen\u00e1, \u017ee soud vy\u0159kne ortel a oddlu\u017een\u00fd \u010dlov\u011bk za\u010dne povinn\u011b doch\u00e1zet na \u201av\u00fduku\u2018.\tM\u00e1 to logiku. Pokud \u010dlov\u011bk absolvoval \u00fasp\u011b\u0161n\u011b insolvenci, je jenom zbaven dluh\u016f, ov\u0161em nen\u00ed v\u016fbec jist\u00e9, \u017ee se do nich nedostane kv\u016fli sv\u00fdm \u0161patn\u00fdm ekonomick\u00fdm znalostem znovu.\tOv\u0161em jak u\u017e tomu tak b\u00fdv\u00e1, m\u00e1 to i sv\u016fj h\u00e1\u010dek. Nebo p\u0159esn\u011bji hned pov\u00edcero h\u00e1\u010dk\u016f.\t\tT\u0159eba u\u017e jenom to, \u017ee podle mnoh\u00fdch odborn\u00edk\u016f ani toto dodate\u010dn\u00e9 vzd\u011bl\u00e1v\u00e1n\u00ed a poradenstv\u00ed v\u00fdsledky p\u0159in\u00e9st nemus\u00ed. M\u016f\u017ee to b\u00fdt sice prosp\u011b\u0161n\u00e9, ale v\u017edy z\u00e1le\u017e\u00ed na kvalit\u011b takov\u00e9 pomoci a vlastn\u011b i na tom, je-li oddlu\u017een\u00fd \u010dlov\u011bk v\u016fbec ochoten se napravit. Pom\u016f\u017ee to tak jen t\u011bm, kdo o pomoc stoj\u00ed, co\u017e nebudou ur\u010dit\u011b v\u0161ichni \u201aodsouzen\u00ed\u2018.\tD\u00e1le je tu probl\u00e9m, \u017ee takov\u00e9 poradenstv\u00ed nen\u00ed zadarmo. Mluv\u00ed se tu o \u010d\u00e1stk\u00e1ch 200 a\u017e v\u00edce ne\u017e 500 korun za hodinu. A zkuste si spo\u010d\u00edtat, kolik by to potom st\u00e1tn\u00ed kasu st\u00e1lo! Mohlo by to b\u00fdt 500 x 100 x 900000 korun, kdyby byli odsouzeni v\u0161ichni dlu\u017en\u00edci k maxim\u00e1ln\u00edmu \u201atrestu\u2018. To je p\u011bta\u010dty\u0159icet miliard korun! A je jenom malou \u00fat\u011bchou, \u017ee ne v\u0161ichni dlu\u017en\u00edci insolvenc\u00ed projdou a ne v\u0161ichni by museli b\u00fdt odsouzeni k\u00a0maxim\u00e1ln\u00edmu po\u010dtu hodin, respektive by se to dalo \u0159e\u0161it n\u011bjakou formou hromadn\u00fdch p\u0159edn\u00e1\u0161ek.\tA to jenom proto, aby ten, kdo pro\u0161el insolvenc\u00ed, p\u0159esn\u011b v\u011bd\u011bl, co sm\u00ed a co ne. P\u0159\u00edpadn\u011b aby mu n\u011bkdo poradil, kdy\u017e je to t\u0159eba.\t\u00a0\tA pokud se to neosv\u011bd\u010d\u00ed? Pak by se pr\u00fd mohlo uva\u017eovat i o omezen\u00ed p\u0159\u00edstupu t\u011bchto lidi k n\u011bkter\u00fdm druh\u016fm \u00fav\u011br\u016f na ur\u010dit\u00fd po\u010det let. Aby tito museli vych\u00e1zet se sv\u00fdmi p\u0159\u00edjmy a nau\u010dili se tak obej\u00edt i bez p\u016fj\u010dek. Banky by t\u0159eba mohly dostat seznamy lid\u00ed, kte\u0159\u00ed pro\u0161li insolvenc\u00ed, a t\u011bm by nesm\u011bly p\u016fj\u010dovat nebo by jim musely k\u00a0p\u016fj\u010dce poskytnout skute\u010dn\u011b vy\u010derp\u00e1vaj\u00edc\u00ed poradenskou \u010dinnost nebo je poslat do n\u011bjak\u00e9 neziskov\u00e9 organizace, je\u017e by takov\u00e9 dlu\u017en\u00edky kvalitn\u011b pou\u010dila, nechala je slo\u017eit test a pak jim dala opr\u00e1vn\u011bn\u00ed si \u00fav\u011br vz\u00edt.\t\u00a0\tSchv\u00e1leno to je. A jako prvn\u00ed bych odsoudil k\u00a0tomu \u0161kolen\u00ed na\u0161e politiky. A to hned a ne a\u017e pot\u00e9, co na\u0161i zemi p\u0159ivedou sv\u00fdm po\u010d\u00edn\u00e1n\u00edm se st\u00e1tn\u00edm rozpo\u010dtem k\u00a0bankrotu.                                                                                                                                                                                                                                                                                                                                                                                        4.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Za z\u00e1chranu dlu\u017en\u00edk\u016f","item":"https:\/\/www.lopes.cz\/za-zachranu-dluzniku\/#breadcrumbitem"}]}]