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Žadatel o oddlužení musí splnit podmínku, kterou je, že jeho dluhy nevznikly během podnikatelské činnosti. Dlužníkem tedy musí být běžný spotřebitel. Dále je třeba, aby tento žadatel doložil svůj příjem. Co se týče výše příjmu, měla by žadateli o oddlužení zajistit jednak životní minimum, ale zároveň musí posloužit i ke splacení minimálně třiceti procent z dlužné částky.
V České republice existují dva způsoby oddlužení, probíhá tedy buď jako insolvenční řízení, během kterého dlužník vyhlásí osobní bankrot, nebo probíhá formou kooperace dlužné osoby se správci jeho dluhů. U prvního způsobu oddlužení se dlužník vyrovná se svými věřiteli jednorázově, nebo pomocí splátkového kalendáře odevzdává svým věřitelům předem dohodnutou částku každý měsíc, celkově po dobu pěti let. Co se týče druhé formy oddlužení, během ní by mělo být dosaženo kompromisu mezi všemi věřiteli a dlužníkem.
Monthly Archives: Únor 2013
V ekonomické krizi roste počet oddlužení
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