{"id":2819,"date":"2015-10-09T13:04:01","date_gmt":"2015-10-09T11:04:01","guid":{"rendered":"http:\/\/www.zbhs.sk\/?p=2819"},"modified":"2015-10-09T13:04:01","modified_gmt":"2015-10-09T11:04:01","slug":"osobny-bankrot-a-dlh-za-byt","status":"publish","type":"post","link":"http:\/\/www.zbhs.sk\/?p=2819","title":{"rendered":"Osobn\u00fd bankrot a dlh za byt"},"content":{"rendered":"<p><span style=\"color: #0000ff;\"><strong>Probl\u00e9m, s ktor\u00fdm sa stretli v jednej z na\u0161ich \u010dlensk\u00fdch organiz\u00e1ci\u00ed, a stanovisko dra\u017eobnej spolo\u010dnosti VIAM. \u00a0M\u00e1te podobn\u00fd probl\u00e9m? \u00a0M\u00e1te n\u00e1vod ako postupova\u0165 v takomto pr\u00edpade? \u00a0 Zapojte sa do diskusie.\u00a0<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>Pre ZBHS posielam podnet na spolo\u010dn\u00e9 odkonzultovanie\u00a0 resp. informovanie spr\u00e1vcov, \u017ee i\u00a0tak\u00e9to pr\u00edpady sa pri spr\u00e1ve bytov\u00fdch domov vyskytuj\u00fa a\u00a0radu, ako im predch\u00e1dza\u0165:<\/p>\n<p>N\u00e1hodne n\u00e1s spr\u00e1vca konkurznej podstaty po\u017eiadal o\u00a0potvrdenie veku stavby jedn\u00e9ho nami spravovan\u00e9ho bytov\u00e9ho domu, kde cez konkurz uspokojuje dlhy.<\/p>\n<p>Jednalo sa o\u00a0byt v \u00a0bytovom dome, kde s\u00fa iba vlastn\u00edci \u2013 hne\u010f n\u00e1m v\u0155talo v\u00a0hlave, \u010do maj\u00fa spolo\u010dn\u00e9 vlastn\u00edci s\u00a0konkurzom a dra\u017ebou \u2013 tak\u017ee sme zdr\u017eiavali zaslanie potvrdenia o\u00a0veku stavby \u2013 ozval sa n\u00e1m spr\u00e1vca, dal presnej\u0161ie inform\u00e1cie, \u017ee sa jedn\u00e1 o\u00a0vlastn\u00edka a\u00a0on mu v\u00a0r\u00e1mci konkurzu cez dobrovo\u013en\u00fa dra\u017ebu ide spe\u0148a\u017eova\u0165 jeho majetok \u2013 t.j. ide odpreda\u0165 jeho byt v\u00a0BSM. Aj u\u00a0n\u00e1s mal dan\u00fd vlastn\u00edk dlh cez 2000 eur a\u00a0pr\u00e1ve v\u00a0mesiaci september 2015 si vlastn\u00edci na sch\u00f4dzi ods\u00fahlasili na vymo\u017eenie poh\u013ead\u00e1vky vo\u010di nemu dobrovo\u013en\u00fa dra\u017ebu \u2013 av\u0161ak kona\u0165 u\u017e nem\u00f4\u017eeme, lebo jeho byt je s\u00fa\u010das\u0165ou konkurznej podstaty.<\/p>\n<p>Ke\u010f sme hlb\u0161ie sk\u00famali a\u00a0h\u013eadali cez google nie\u010do bli\u017e\u0161ie k\u00a0tomuto konkurzu \u2013 na\u0161li sme str\u00e1nku FINSTAT, ktor\u00e1 oznamuje r\u00f4zne udalosti ku konkurzom. Tu sme pr\u00e1cne tento konkurz na\u0161li \u2013 bol ozna\u010den\u00fd ako mal\u00fd konkurz a\u00a0po na\u0161tudovan\u00ed z\u00e1kona 7\/2005 o\u00a0konkurze a\u00a0re\u0161trukturaliz\u00e1cii sme na\u0161li \u00a7 106, ktor\u00fd hovor\u00ed o\u00a0mal\u00fdch konkurzoch\u00a0 (v podtexte osobn\u00fd bankrot fyzick\u00fdch os\u00f4b \u2013 nepodnikate\u013eov). D\u00e1tum na prihl\u00e1senie zabezpe\u010denej poh\u013ead\u00e1vky je 45 dn\u00ed od vyhl\u00e1senia konkurzu. Samozrejme, \u017ee term\u00edn sme nestihli \u2013 teraz chyst\u00e1m prihl\u00e1\u0161ku zabezpe\u010denej poh\u013ead\u00e1vky do konkurzu \u2013 potrebujem v\u0161etko vydokladova\u0165, aby spr\u00e1vca aspo\u0148 pomerne oddelene plnil zo zap\u00edsan\u00e9ho \u00a0z\u00e1lo\u017en\u00e9ho pr\u00e1va. V\u00a0na\u0161om pr\u00edpade sa jedn\u00e1 o\u00a0spoluob\u010dana \u2013 r\u00f3ma, ktor\u00fd pozn\u00e1 slovensk\u00e9 pr\u00e1vo a\u00a0v\u00a0r\u00e1mci osobn\u00e9ho bankrotu v\u00a0zast\u00fapen\u00ed pr\u00e1vnikom sa zbavuje v\u0161etk\u00fdch svojich dlhov (\u010do som na\u0161la zverejnen\u00e9 prihl\u00e1sen\u00e9 poh\u013ead\u00e1vky v konkurze, tak ich je cez 20 tis. Euro + \u00faver od Slovenskej sporite\u013ene).<\/p>\n<p>Ak m\u00f4\u017eeme poprosi\u0165, ak m\u00e1me v\u00a0r\u00e1mci ZBHS nejak\u00e9ho \u0161ikovn\u00e9ho pr\u00e1vnika, aby sa na tak\u00e9to mo\u017enosti vym\u00e1hania dlhov pozrel \u2013 a\u00a0nech porad\u00ed, \u010di nie je mo\u017en\u00e9, aby sme my ako verite\u013e zastupuj\u00faci vlastn\u00edkov bytov po ods\u00fahlasen\u00ed plnej moci v\u00a0mene vlastn\u00edkov pod\u00e1val n\u00e1vrhy na mal\u00e9 konkurzy pri vy\u0161\u0161\u00edch dlhoch \u2013 napr. nad 1000 \u20ac pok\u00fdm nedosiahnu \u010diastku 2000 eur (podmienka pre vym\u00e1hanie cez dobrovo\u013en\u00fa dra\u017ebu).<\/p>\n<p>&nbsp;<\/p>\n<p><strong>VIAM dra\u017eobn\u00e1 spolo\u010dnos\u0165 :<\/strong><\/p>\n<p>V danom pr\u00edpade ide o spe\u0148a\u017eovanie majetku fyzickej osoby\u00a0\u00a0 &#8211; nepodnikate\u013ea, teda do\u0161lo k situ\u00e1cii pod\u013ea \u00a7 106 ods.1 z. \u010d. 7\/2005 Z.z.\u00a0 teda osoby ktor\u00e1 za svoje dlhy zodpoved\u00e1 cel\u00fdm svoj\u00edm majetkom. Tu je s\u00fad povinn\u00fd vyhl\u00e1si\u0165 mal\u00fd konkurz. V pr\u00edpade \u017ee dl\u017en\u00edk \u00fapadca v pr\u00edpade podania n\u00e1vrhu na vyhl\u00e1senie konkurzu po\u017eiada aj o oddl\u017eenie rozhodne o \u0148om s\u00fad za podmienok stanoven\u00fdch v \u00a7 166 a nasl. z\u00e1kona o konkurze a re\u0161trukturaliz\u00e1cii, d\u00f4le\u017eit\u00fdm je preuk\u00e1zanie jeho <strong>poctiv\u00e9ho<\/strong> z\u00e1meru.<br \/>\nTento postup je <strong>behom na dlh\u00fa tra\u0165 a pri n\u00edzkych poh\u013ead\u00e1vkach je nerentabiln\u00fd. <\/strong><br \/>\nJedn\u00e1 sa o zlo\u017eit\u00fa a pre verite\u013ea nam\u00e1hav\u00fa \u010dinnos\u0165, lebo\u00a0 aj ke\u010f navrhovate\u013e konkurzu je osloboden\u00fd od s\u00fadneho poplatku, je\u00a0 z jeho strany nutn\u00e9 splni\u0165 z\u00e1konn\u00e9 podmienky \u010di u\u017e zo strany verite\u013eov\u00a0 resp. dl\u017en\u00edka. Je nutn\u00e9 sledova\u0165 \u00fakony spr\u00e1vcu konkurznej podstaty a konkurzn\u00e9ho s\u00fadu\u00a0 v r\u00e1mci konkurzu v obchodnom vestn\u00edku\u00a0 resp. si plati\u0165 platen\u00fa slu\u017ebu sledovania dl\u017en\u00edka v pr\u00edslu\u0161n\u00fdch informa\u010dn\u00fdch syst\u00e9moch ministerstva spravodlivosti (napr. Finstat a pod.) takisto je nutn\u00e9 striktn\u00e9 vyplnenie tla\u010d\u00edv prihl\u00e1senia poh\u013ead\u00e1vok, ktor\u00e9 m\u00f4\u017ee spr\u00e1vca ako aj\u00a0 in\u00ed veritelia popiera\u0165 .\u00a0 Ukon\u010denie konkurzu sa m\u00f4\u017ee predl\u017eova\u0165 odporovac\u00edmi \u017ealobami spr\u00e1vcu konkurznej podstaty vo\u010di \u00fakonom \u00fapadcu\u00a0 A ke\u010f nakoniec d\u00f4jde k\u00a0 \u00fakonom v r\u00e1mci ktor\u00fdch d\u00f4jde k spe\u0148a\u017eeniu majetku hoc aj dra\u017ebou, tak tento \u00fakon aj tak\u00a0 podlieha schv\u00e1leniu s\u00fadu, \u010do tie\u017e sp\u00f4sobuje \u010fal\u0161ie \u010dasov\u00e9 predl\u017eenie a aj tak <strong>s\u00fa\u010dasne mus\u00ed d\u00f4js\u0165 k splneniu podmienok pod\u013ea z\u00e1kona o dobrovo\u013en\u00fdch dra\u017eb\u00e1ch\u00a0 \u010d.527\/2002 Z.z.<\/strong>\u00a0 vi\u010f \u00a7 92 ods.6 z\u00e1kona o konkurze a re\u0161trukturaliz\u00e1cii.<\/p>\n<p>Pri priamej realiz\u00e1cii dobrovo\u013enou dra\u017ebou v\u0161etky tieto \u010dasov\u00e9 predl\u017eenia a neflexibiln\u00e9 povinnosti \u00fa\u010dastn\u00edkov konania odpadaj\u00fa !<\/p>\n<p>Vzh\u013eadom k uveden\u00e9mu je dobrovo\u013en\u00e1 dra\u017eba a jej v\u00fdkon prostredn\u00edctvom v\u00fdkonu z\u00e1lo\u017en\u00e9ho pr\u00e1va pod\u013ea \u00a7 151a a nasl. Ob\u010dianskeho z\u00e1konn\u00edka s pouk\u00e1zan\u00edm na \u00a7 15 z.\u010d. 182\/1993 Z.z. v znen\u00ed nesk. predpisov o vlastn\u00edctve bytov a nebytov\u00fdch predpisov <strong>jedn\u00fdm z najr\u00fdchlej\u0161\u00edch a najefekt\u00edvnej\u0161\u00edch sp\u00f4sobov uspokojenia poh\u013ead\u00e1vok z\u00e1lo\u017en\u00fdch verite\u013eov!<\/strong><\/p>\n<p>Na\u0161a spolo\u010dnos\u0165 sa \u00fazko \u0161pecializuje na vysporiadanie poh\u013ead\u00e1vok verite\u013eov \u010di u\u017e zabezpe\u010den\u00fdch prostredn\u00edctvom z\u00e1lo\u017en\u00e9ho pr\u00e1va, formou vykonania dobrovo\u013enej dra\u017eby resp. aj nezabezpe\u010den\u00fdch ( napr. n\u00e1jomn\u00e9 a pod. ) z\u00e1lo\u017en\u00fdm pr\u00e1vom, kde dan\u00fd postup je zo strany na\u0161ej spolo\u010dnosti vysoko adresne orientovan\u00fd na konkr\u00e9tny pr\u00edpad. Z uveden\u00e9ho d\u00f4vodu je nutn\u00e9 ka\u017ed\u00fd pr\u00edpad konzultova\u0165 a n\u00e1js\u0165 jeho najefekt\u00edvnej\u0161ie rie\u0161enie.<\/p>\n<p>V pr\u00edpade z\u00e1ujmu n\u00e1s nev\u00e1hajte kontaktova\u0165 kedyko\u013evek\u00a0 spolo\u010dne n\u00e1jdeme cestu.<\/p>\n<p>S \u00factou Mgr. Beli &#8211; konate\u013e spolo\u010dnosti<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Probl\u00e9m, s ktor\u00fdm sa stretli v jednej z na\u0161ich \u010dlensk\u00fdch organiz\u00e1ci\u00ed, a stanovisko dra\u017eobnej spolo\u010dnosti VIAM. \u00a0M\u00e1te podobn\u00fd probl\u00e9m? \u00a0M\u00e1te n\u00e1vod ako postupova\u0165 v takomto pr\u00edpade?<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":79,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,19],"tags":[],"_links":{"self":[{"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/posts\/2819"}],"collection":[{"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/users\/79"}],"replies":[{"embeddable":true,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2819"}],"version-history":[{"count":2,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/posts\/2819\/revisions"}],"predecessor-version":[{"id":2821,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=\/wp\/v2\/posts\/2819\/revisions\/2821"}],"wp:attachment":[{"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2819"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2819"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.zbhs.sk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2819"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}