[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/johur.cz\/financni-odbornici-jiz-na-uradech-prace\/#Article","mainEntityOfPage":"https:\/\/johur.cz\/financni-odbornici-jiz-na-uradech-prace\/","headline":"Finan\u010dn\u00ed odborn\u00edci ji\u017e na \u00fa\u0159adech pr\u00e1ce","name":"Finan\u010dn\u00ed odborn\u00edci ji\u017e na \u00fa\u0159adech pr\u00e1ce","description":"Cel\u00e9 to v\u011bz\u00ed v\u00a0tom, \u017ee finan\u010dn\u00ed odborn\u00edci se budou vyskytovat na kontaktn\u00edch m\u00edstech, kde budou p\u0159ipraveni pomoc \u010di poradit lidem, kte\u0159\u00ed se v\u00a0dluhov\u00e9 situaci nach\u00e1z\u00ed \u010di se cht\u011bj\u00ed pouze poradit, jak takov\u00e9 situaci p\u0159edej\u00edt. V\u00fdsledkem odborn\u00e9 porady je sestaven\u00ed konkr\u00e9tn\u00edho pl\u00e1nu, jak p\u0159esn\u011b postupovat, a to hlavn\u011b kde sn\u00ed\u017eit n\u00e1klady, jak a kde zv\u00fd\u0161it p\u0159\u00edjem a podobn\u011b. Spole\u010dnost Kruk, kter\u00e1 … ","datePublished":"2025-03-01","dateModified":"2025-03-01","author":{"@type":"Person","@id":"https:\/\/johur.cz\/author\/#Person","name":"","url":"https:\/\/johur.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/29b4b7cf61bc7f4a3cff4e7146cbe3cb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/29b4b7cf61bc7f4a3cff4e7146cbe3cb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"johur.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/johur.cz\/wp-content\/uploads\/img_a329574_w2660_t1542037225.jpg","url":"https:\/\/johur.cz\/wp-content\/uploads\/img_a329574_w2660_t1542037225.jpg","height":0,"width":0},"url":"https:\/\/johur.cz\/financni-odbornici-jiz-na-uradech-prace\/","wordCount":400,"articleBody":"Cel\u00e9 to v\u011bz\u00ed v\u00a0tom, \u017ee finan\u010dn\u00ed odborn\u00edci se budou vyskytovat na kontaktn\u00edch m\u00edstech, kde budou p\u0159ipraveni pomoc \u010di poradit lidem, kte\u0159\u00ed se v\u00a0dluhov\u00e9 situaci nach\u00e1z\u00ed \u010di se cht\u011bj\u00ed pouze poradit, jak takov\u00e9 situaci p\u0159edej\u00edt. V\u00fdsledkem odborn\u00e9 porady je sestaven\u00ed konkr\u00e9tn\u00edho pl\u00e1nu, jak p\u0159esn\u011b postupovat, a to hlavn\u011b kde sn\u00ed\u017eit n\u00e1klady, jak a kde zv\u00fd\u0161it p\u0159\u00edjem a podobn\u011b.Spole\u010dnost Kruk, kter\u00e1 se t\u00edmto zab\u00fdv\u00e1, prov\u00e1d\u00ed pravidelnou statistiku finan\u010dn\u00ed situace \u010desk\u00fdch dom\u00e1cnost\u00ed. Zde je p\u00e1r zaj\u00edmavost\u00ed:o\u00a0\u00a0 mnohem v\u00edce si p\u016fj\u010duj\u00ed mu\u017ei ne\u017e \u017eeny v\u00a0pom\u011bru 54% proti 46%,o\u00a0\u00a0 nejv\u00edce dlu\u017en\u00edk\u016f s\u00a016% s\u00a0pr\u016fm\u011brn\u00fdm dluhem spad\u00e1 do Moravskoslezsk\u00e9ho kraje,o\u00a0\u00a0 ale v\u00a0pr\u016fm\u011bru nejvy\u0161\u0161\u00ed z\u00e1vazky maj\u00ed obyvatel\u00e9 hlavn\u00edho m\u011bsta Prahy.Velmi \u010dasto si lid\u00e9 p\u016fj\u010duj\u00ed na n\u00e1kup dlouhodob\u00e9ho zbo\u017e\u00ed a mezi to pat\u0159\u00ed nap\u0159. automobily, dom\u00e1c\u00ed spot\u0159ebi\u010de, rekonstrukce domu \u010di bytu. \u010casto tak\u00e9 doch\u00e1z\u00ed k\u00a0rodinn\u00fdm konflikt\u016f, a to proto, \u017ee maj\u00ed lid\u00e9 p\u016fj\u010dky i mezi p\u0159\u00edbuzn\u00fdmi nebo jde o tajnosti s\u00a0po\u0159\u00edzen\u00edm v\u011bc\u00ed p\u0159ed nimi.Podle pravideln\u00fdch pr\u016fzkum\u016f t\u00fdkaj\u00edc\u00edho se toho dne, kdy finan\u010dn\u00ed experti rad\u00ed dlu\u017en\u00edk\u016fm, z\u00a0minul\u00fdch ro\u010dn\u00edk\u016f se zjistilo, \u017ee se nej\u010dast\u011bji na finan\u010dn\u00ed odborn\u00edky obracej\u00ed matky v\u00a0dom\u00e1cnosti, kter\u00e9 se t\u0159eba v\u00a0dluz\u00edch netop\u00ed, ale cht\u011bj\u00ed se poradit, jak jim p\u0159edej\u00edt. Dal\u0161\u00ed lid\u00e9 \u0159e\u0161\u00ed nezaplacen\u00e9 slo\u017eenky \u010di exekuce a n\u00e1sledn\u00e1 insolvence.Nov\u00e1 pravidla pro bankrotProces oddlu\u017een\u00ed m\u00e1 dobu trv\u00e1n\u00ed 5 let a je nutn\u00e9 splatit alespo\u0148 30% dluhu. Mus\u00ed m\u00edt dostate\u010dn\u00e9 p\u0159\u00edjmy na uhrazen\u00ed odm\u011bny insolven\u010dn\u00edmu spr\u00e1vci i v\u011b\u0159itel\u016fm. Pokud dlu\u017en\u00edk nespln\u00ed 30% do p\u011bti let, rozhodnut\u00ed stanov\u00ed soud. Nov\u011b p\u0159ibude krat\u0161\u00ed t\u0159\u00edlet\u00e1 verze. Av\u0161ak ji vyu\u017eij\u00ed dlu\u017en\u00edci, kte\u0159\u00ed jsou schopni uhradit alespo\u0148 60% z\u00e1vazk\u016f.M\u00e1te-li se z\u00e1vazky probl\u00e9m nebo se jen ob\u00e1v\u00e1te, \u017ee nejste dost finan\u010dn\u011b schopni t\u00e9to situaci p\u0159edej\u00edt \u2013 nebojte se finan\u010dn\u00edho odborn\u00edka vyhledat a nechat si poradit.                                                                                                                                                                                                                                                                                                                                                                                                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