[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.wikinomie.cz\/sluzby-dluhove-poradny\/#Article","mainEntityOfPage":"https:\/\/www.wikinomie.cz\/sluzby-dluhove-poradny\/","headline":"Slu\u017eby dluhov\u00e9 poradny","name":"Slu\u017eby dluhov\u00e9 poradny","description":"Ur\u010dit\u011b zn\u00e1te situace, kdy si vezmete r\u016fzn\u00e9 p\u016fj\u010dky a kreditn\u00ed karty. Pokud je \u010dlov\u011bk v po\u0159\u00e1dku, chod\u00ed do pr\u00e1ce, z\u0159ejm\u011b nebudete m\u00edt probl\u00e9m se spl\u00e1cen\u00edm. K nej\u010dast\u011bj\u0161\u00edm d\u016fvod\u016fm, kdy se \u010dlov\u011bk dostane o prodlen\u00ed se spl\u00e1cen\u00edm je zdravotn\u00ed probl\u00e9m, ztr\u00e1ta ...","datePublished":"2023-06-05","dateModified":"2023-06-05","author":{"@type":"Person","@id":"https:\/\/www.wikinomie.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.wikinomie.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ade5060b95d9432296fc92debd2ba3136f7a4d727a7bc57afe18c4808c7d7ac9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ade5060b95d9432296fc92debd2ba3136f7a4d727a7bc57afe18c4808c7d7ac9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"wikinomie.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.wikinomie.cz\/wp-content\/uploads\/img_a343430_w2784_t1556459749.jpg","url":"https:\/\/www.wikinomie.cz\/wp-content\/uploads\/img_a343430_w2784_t1556459749.jpg","height":0,"width":0},"url":"https:\/\/www.wikinomie.cz\/sluzby-dluhove-poradny\/","wordCount":511,"articleBody":"Ur\u010dit\u011b zn\u00e1te situace, kdy si vezmete r\u016fzn\u00e9 p\u016fj\u010dky a kreditn\u00ed karty. Pokud je \u010dlov\u011bk v po\u0159\u00e1dku, chod\u00ed do pr\u00e1ce, z\u0159ejm\u011b nebudete m\u00edt probl\u00e9m se spl\u00e1cen\u00edm. K nej\u010dast\u011bj\u0161\u00edm d\u016fvod\u016fm, kdy se \u010dlov\u011bk dostane o prodlen\u00ed se spl\u00e1cen\u00edm je zdravotn\u00ed probl\u00e9m, ztr\u00e1ta zam\u011bstn\u00e1n\u00ed. V tomto p\u0159\u00edpad\u011b je mo\u017en\u00e9 se obr\u00e1tit na instituce, kter\u00e9 v\u00e1m mohou pomoci nastalou situaci \u0159e\u0161it. Nenech\u00e1vejte hlavn\u011b svoje dluhy jen tak, je pot\u0159eba svoji situaci \u0159e\u0161it. Je jasn\u00e9, \u017ee mnoha lidem nen\u00ed p\u0159\u00edjemn\u00e9 p\u0159iznat, \u017ee maj\u00ed probl\u00e9my. Uv\u011bdomte si, \u017ee se m\u016f\u017eete dostat do velice nep\u0159\u00edjemn\u00fdch situac\u00ed. Existuje n\u011bkolik zp\u016fsob\u016f, jak se m\u016f\u017eete ur\u010dit\u00fdm zp\u016fsobem ochr\u00e1nit.\t\u00a0\tDluhov\u00e1 poradna\tPokud se v\u00e1m stane situace, kdy nejste schopni spl\u00e1cet svoje z\u00e1vazky, tak se ur\u010dit\u011b obra\u0165te na tuto poradnu. Jsou zde zku\u0161en\u00ed lid\u00e9, kte\u0159\u00ed v\u00e1m mohou pomoci s \u0159e\u0161en\u00edm va\u0161ich pot\u00ed\u017e\u00ed. Je pot\u0159eba nezatajovat samoz\u0159ejm\u011b \u017e\u00e1dn\u00e9 dluhy, jednat s takov\u00fdm odborn\u00edkem (ten je v\u00e1m p\u0159id\u011blen a bude va\u0161\u00edm poradcem a pomocn\u00edkem) na rovinu. Tento \u010dlov\u011bk se v\u00e1m bude sna\u017eit pomoci a nab\u00eddne v\u00e1m mo\u017en\u00e1 \u0159e\u0161en\u00ed. Ze sv\u00e9 vlastn\u00ed zku\u0161enosti mohu \u0159\u00edci, \u017ee pracovn\u00edk jedn\u00e1 velice profesion\u00e1ln\u011b, ch\u00e1pav\u011b a nab\u00edz\u00ed v\u00e1m to, co je podle z\u00e1kona mo\u017en\u00e9. V\u011b\u0159te, \u017ee mo\u017enosti jsou. Dluh\u016f se nezbav\u00edte jen tak, je pot\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee dle rozhodnut\u00ed soudu budete muset spl\u00e1cet m\u011bs\u00ed\u010dn\u011b spl\u00e1tky, ale rozd\u00edl ve v\u00fd\u0161i spl\u00e1tky je velk\u00fd. Pokud jste p\u0159edlu\u017een\u00ed, nest\u00edh\u00e1te spl\u00e1cet, tak spl\u00e1tky dosahuj\u00ed i n\u011bkolika tis\u00edc nebo desetitis\u00edc korun m\u011bs\u00ed\u010dn\u011b. Kdy\u017e si vyb\u00edr\u00e1te poradnu, sledujte recenze na internetu, nechte si poradit. N\u011bkdy nen\u00ed \u0159e\u0161en\u00ed jednoduch\u00e9, ale d\u00e1 se naj\u00edt.\t\u00a0\tDluhov\u00e1 poradna v\u00e1m pom\u016f\u017ee se v\u0161\u00edm, co bude pot\u0159eba. Pokud se dohodnete a bude pro v\u00e1s dobrou variantou oddlu\u017een\u00ed (insolvence), tak v\u00e1m pomohou s t\u00edm, co v\u0161e je pot\u0159eba dolo\u017eit. I takov\u00e1 \u017e\u00e1dost m\u00e1 sv\u00e1 pravidla, kter\u00e9 mus\u00edte splnit. Nen\u00ed to jednoduch\u00e9 a \u010dlov\u011bk to s\u00e1m nezvl\u00e1dne. Tyto slu\u017eby jsou v\u011bt\u0161inou bezplatn\u00e9 a nic takov\u00e9 poradn\u011b neplat\u00edte. Je pot\u0159eba po\u010d\u00edtat s n\u011bjakou \u010d\u00e1stkou za slu\u017eby (pokud se dostanete do oddlu\u017een\u00ed). Jedn\u00e1 se tak\u00e9 o platbu na m\u011bs\u00ed\u010dn\u00ed b\u00e1zi za slu\u017eby p\u0159id\u011blen\u00e9ho spr\u00e1vce, kter\u00fd v\u00e1m v p\u0159\u00edd\u011b insolvence pom\u00e1h\u00e1. Samotn\u00e1 dluhov\u00e1 poradna je ale bez poplatku. Pokud se dostanete do probl\u00e9mu, p\u0159\u00edpadn\u011b v\u00edte, \u017ee nem\u016f\u017eete spl\u00e1cet z\u00e1vazky, tak ne\u010dekejte a jednejte.\t\u00a0                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Slu\u017eby dluhov\u00e9 poradny","item":"https:\/\/www.wikinomie.cz\/sluzby-dluhove-poradny\/#breadcrumbitem"}]}]