[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.terryfox.cz\/financni-zavazky-ktere-uz-nezvladate\/#Article","mainEntityOfPage":"https:\/\/www.terryfox.cz\/financni-zavazky-ktere-uz-nezvladate\/","headline":"Finan\u010dn\u00ed z\u00e1vazky, kter\u00e9 u\u017e nezvl\u00e1d\u00e1te?","name":"Finan\u010dn\u00ed z\u00e1vazky, kter\u00e9 u\u017e nezvl\u00e1d\u00e1te?","description":"Dostali jste se do situace, kdy v\u00e1m nic nezb\u00fdv\u00e1 z v\u00fdplaty? Nev\u00edte, co platit d\u0159\u00edv? U\u017e pomalu ani nev\u00edte, kde dlu\u017e\u00edte? Pokud jste na ot\u00e1zky odpov\u011bd\u011bli ano, tak pot\u0159ebujete pomoc! Kr\u016f\u010dek po kr\u016f\u010dku, zhodnot\u00edme va\u0161\u00ed situaci. M\u016f\u017ee se st\u00e1t, \u017ee v\u00e1m tento \u010dl\u00e1nek nepom\u016f\u017ee a pokud to, tak je, tak se nebojte zavolat do dluhov\u00e9 […]","datePublished":"2020-01-15","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.terryfox.cz\/author\/#Person","name":"","url":"https:\/\/www.terryfox.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e438cf5e9254ac1473cb2bcda7b082b2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e438cf5e9254ac1473cb2bcda7b082b2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"terryfox.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.terryfox.cz\/wp-content\/uploads\/img_a366848_w4176_t1579415155.jpg","url":"https:\/\/www.terryfox.cz\/wp-content\/uploads\/img_a366848_w4176_t1579415155.jpg","height":0,"width":0},"url":"https:\/\/www.terryfox.cz\/financni-zavazky-ktere-uz-nezvladate\/","about":["Finance"],"wordCount":642,"articleBody":"Dostali jste se do situace, kdy v\u00e1m nic nezb\u00fdv\u00e1 z v\u00fdplaty? Nev\u00edte, co platit d\u0159\u00edv? U\u017e pomalu ani nev\u00edte, kde dlu\u017e\u00edte? Pokud jste na ot\u00e1zky odpov\u011bd\u011bli ano, tak pot\u0159ebujete pomoc! Kr\u016f\u010dek po kr\u016f\u010dku, zhodnot\u00edme va\u0161\u00ed situaci. M\u016f\u017ee se st\u00e1t, \u017ee v\u00e1m tento \u010dl\u00e1nek nepom\u016f\u017ee a pokud to, tak je, tak se nebojte zavolat do dluhov\u00e9 poradny, nebo po\u017e\u00e1dat o odborn\u011bj\u0161\u00ed pomoc!   1. Krok-mapa z\u00e1vazk\u016f V prvn\u00ed \u0159ad\u011b je d\u016fle\u017eit\u00e9 vid\u011bt v\u0161echny sv\u00e9 dluhy pohromad\u011b. Po\u0159i\u010fte si pozn\u00e1mkov\u00fd blok, \u010di se\u0161it, kde sep\u00ed\u0161ete v\u0161echny z\u00e1vazky. Pokud, m\u00e1te strach, \u017ee nev\u00edte o v\u0161ech, m\u016f\u017eete si nechat ud\u011blat v\u00fdpis z registru dlu\u017en\u00edk\u016f. Doporu\u010duji, ud\u011blat v\u00fdpis i pro kontrolu a vnit\u0159n\u00ed klid. Nejprve si, nechte ud\u011blat v\u00fdpis z registru zvan\u00fd SOLUS \u2013 Sdru\u017een\u00ed na Ochranu Leasingu a \u00dav\u011br\u016f Spot\u0159ebitel\u016fm, pot\u00e9 si doporu\u010duji v\u00fdpis z NRKI \u2013 Nebankovn\u00ed registr klientsk\u00fdch informac\u00ed, tedy pokud jste si p\u016fj\u010dili i u nebankovn\u00ed spole\u010dnosti. U obou registr\u016f, m\u00e1te mo\u017enost, ud\u011blat online v\u00fdpis z pohodl\u00ed domova. D\u016fle\u017eit\u00e1 je p\u0159ehlednost, ide\u00e1ln\u00ed je vytvo\u0159en\u00ed \u010dty\u0159 sloupc\u016f, na str\u00e1nce v pozn\u00e1mkov\u00e9m bloku, do prvn\u00edho sloupce zapi\u0161te n\u00e1zev spole\u010dnosti, kter\u00e9 dlu\u017e\u00edte, do druh\u00e9ho sloupce napi\u0161te celkovou \u010d\u00e1stku z\u00e1vazku, do t\u0159et\u00edho sloupce vypi\u0161te m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku, pop\u0159\u00edpad\u011b \u010d\u00e1stku prodlou\u017een\u00ed p\u016fj\u010dky a v posledn\u00edm sloupci bude datum splatnosti. 2. Krok \u2013 Komunikace s v\u011b\u0159iteli Nejhor\u0161\u00ed v\u011bc\u00ed, co m\u016f\u017ee dlu\u017en\u00edk ud\u011blat, je nezvedat telefony spole\u010dnostem. Ch\u00e1pu, \u017ee u\u017e takhle se psychicky bort\u00edte a nem\u00e1te n\u00e1ladu, vysv\u011btlovat, \u017ee spl\u00e1tku zaplat\u00edte pozd\u011bji, ale komunikace je d\u016fle\u017eit\u00e1! Pokud jste do te\u010f nezvedali telefon, m\u016f\u017eete, to zkusit napravit. Obvolejte spole\u010dnosti, u kter\u00fdch m\u00e1te z\u00e1vazky, zkuste se s nimi domluvit na sm\u00edrn\u00e9m \u0159e\u0161en\u00ed \u2013 spl\u00e1tkov\u00fd kalend\u00e1\u0159, pop\u0159\u00edpad\u011b sd\u011blte datum, kdy jste schopni uhradit spl\u00e1tku, nebo jej\u00ed \u010d\u00e1st. V\u017edy, zvolte \u010d\u00e1stku a datum, kter\u00fd jste schopni dodr\u017eet, neslibujte hory doly, t\u00edm nikomu nepom\u016f\u017eete! 3. Krok \u2013 Mapa p\u0159\u00edjm\u016f a v\u00fddaj\u016f Op\u011btovn\u011b se vr\u00e1t\u00edme k pozn\u00e1mkov\u00e9mu bloku, kde si na dal\u0161\u00ed str\u00e1nku sep\u00ed\u0161eme ve\u0161ker\u00e9 na\u0161e v\u00fddaje \u2013 bydlen\u00ed, strava, doj\u00ed\u017ed\u011bn\u00ed, ve\u0161ker\u00e9 spl\u00e1tky, zkr\u00e1tka v\u0161e. Po seps\u00e1n\u00ed se koukn\u011bte na va\u0161e v\u00fddaje, zamyslete se, m\u016f\u017eete n\u011bkde u\u0161et\u0159it? Nap\u0159\u00edklad za stravu, benz\u00edn, sn\u00ed\u017een\u00ed pau\u0161\u00e1lu za telefon, vym\u011bnit dodavatele elekt\u0159iny za levn\u011bj\u0161\u00edho? Jestli\u017ee, m\u016f\u017eete, tak to hned ud\u011blejte! N\u00e1sledn\u011b si vypi\u0161te va\u0161e p\u0159\u00edjmy \u2013 plat, brig\u00e1da, v\u00fd\u017eivn\u00e9, op\u011bt do posledn\u00edho detailu! Posledn\u00edm krokem, je porovnat p\u0159\u00edjmy s v\u00fddaji. Pakli\u017ee, v\u00e1m vych\u00e1z\u00ed \u010d\u00e1stka do plusu, jste na tom dob\u0159e, pokud jste na nulov\u00e9 \u010d\u00e1stce, zamyslete se, nad brig\u00e1dou, \u010di druhou prac\u00ed. Vy\u0161la v\u00e1m \u010d\u00e1stka do m\u00ednusu? Chce to odbornou pomoc!  4. Krok \u2013 odborn\u00e1 pomoc Jste v bod\u011b, kdy u\u017e to bez odborn\u00e9 pomoci nezvl\u00e1dnete, je \u010das, to p\u0159iznat a sm\u00ed\u0159it se s t\u00edm! M\u016f\u017eete nav\u0161t\u00edvit finan\u010dn\u00edho poradce, \u010di dluhov\u00e9 poradenstv\u00ed. Nebojte se, pomohou v\u00e1m, nab\u00eddnou dal\u0161\u00ed mo\u017enosti, jako konsolidaci, nebo insolvenci. Nebra\u0148te se pomoci, v\u0161e se d\u00e1 vy\u0159e\u0161it! PS: Dr\u017e\u00edm pale\u010dky, vy to zvl\u00e1dnete!                                                                                                                                                                                                                                                                                                                                                                                         4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed z\u00e1vazky, kter\u00e9 u\u017e nezvl\u00e1d\u00e1te?","item":"https:\/\/www.terryfox.cz\/financni-zavazky-ktere-uz-nezvladate\/#breadcrumbitem"}]}]