{"id":16872,"date":"2021-02-24T17:39:49","date_gmt":"2021-02-24T17:39:49","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=16872"},"modified":"2021-02-24T17:39:52","modified_gmt":"2021-02-24T17:39:52","slug":"parcelar-dividas-vale-a-pena-fazer-isso","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/parcelar-dividas-vale-a-pena-fazer-isso\/","title":{"rendered":"Spl\u00e1cen\u00ed dluh\u016f: vyplat\u00ed se to?"},"content":{"rendered":"
\n

Spl\u00e1tky dluhu<\/strong><\/h2>\n<\/div>
\n
\"Vale
Vyplat\u00ed se platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch? (Obr\u00e1zek: Ag\u00eanciabrasil)<\/figcaption><\/figure>\n<\/div>
\n

P\u0159i pohledu na tu hromadu opo\u017ed\u011bn\u00fdch faktur vyplouv\u00e1 na povrch zoufalstv\u00ed a u t\u011bch, kdo maj\u00ed dluhy, vyvst\u00e1v\u00e1 n\u011bkolik pochybnost\u00ed, jak zpo\u017ed\u011bn\u00e9 faktury splatit. Vyplat\u00ed se ale platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch?<\/p>\n<\/div>

\n

Pokud jde o zbyte\u010dn\u00e9 v\u00fddaje, nekontrolovan\u00e9 n\u00e1kupy a dal\u0161\u00ed nepl\u00e1novan\u00e9 v\u00fddaje, bohu\u017eel nedok\u00e1\u017eeme zajistit jejich nezaplacen\u00ed.<\/p>\n<\/div>

\n

\u0158ekneme v\u00e1m tedy, zda se vyplat\u00ed spl\u00e1cet dluhy ve spl\u00e1tk\u00e1ch a jak tento zp\u016fsob spl\u00e1cen\u00ed zpo\u017ed\u011bn\u00fdch \u00fa\u010dt\u016f funguje.<\/p>\n<\/div>

\n

Jak funguje spl\u00e1tka dluhu?<\/strong><\/h2>\n<\/div>
\n
\"Vale
Vyplat\u00ed se platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch? (Obr\u00e1zek: Jornaldafranca)<\/figcaption><\/figure>\n<\/div>
\n

Existuje n\u011bkolik zp\u016fsob\u016f, jak spl\u00e1cet dluhy ve spl\u00e1tk\u00e1ch. <\/p>\n<\/div>

\n

V\u011b\u0159iteli jsou toti\u017e zpravidla ti, kdo stanov\u00ed platebn\u00ed metody, v\u010detn\u011b v\u00fd\u0161e spl\u00e1tek, tedy spole\u010dnost, kter\u00e9 dlu\u017e\u00edte.<\/p>\n<\/div>

\n

Existuj\u00ed v\u0161ak flexibiln\u011bj\u0161\u00ed spole\u010dnosti, kter\u00e9 dlu\u017en\u00fdm z\u00e1kazn\u00edk\u016fm umo\u017e\u0148uj\u00ed vybrat si nejlep\u0161\u00ed zp\u016fsob, jak splatit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch, nebo\u0165 se sna\u017e\u00ed p\u0159edev\u0161\u00edm o splacen\u00ed dluh\u016f.<\/p>\n<\/div>

\n

Jin\u00fdmi slovy, dlu\u017en\u00edci najdou r\u016fzn\u00e9 formy spl\u00e1tek a \u00farok\u016f plynouc\u00edch z t\u011bchto plateb.<\/p>\n<\/div>

\n

Spl\u00e1tky se bohu\u017eel napln\u00ed dal\u0161\u00edmi \u010d\u00e1stkami \u00farok\u016f, kter\u00e9 budou p\u0159ipo\u010d\u00edt\u00e1v\u00e1ny podle po\u010dtu a hodnot spl\u00e1tek.<\/p>\n<\/div>

\n

Je d\u016fle\u017eit\u00e9 zm\u00ednit, \u017ee \u010d\u00edm v\u00edce spl\u00e1tek je stanoveno, t\u00edm ni\u017e\u0161\u00ed budou hodnoty pro ka\u017edou z nich, ale zvy\u0161uje se i celkov\u00e1 hodnota dluhu.<\/p>\n<\/div>

\n

Nyn\u00ed, \u010d\u00edm m\u00e9n\u011b spl\u00e1tek bude stanoveno, t\u00edm vy\u0161\u0161\u00ed budou hodnoty pro ka\u017edou z nich, ale celkov\u00e1 hodnota dluhu se sn\u00ed\u017e\u00ed.<\/p>\n<\/div>

\n

Existuj\u00ed tak\u00e9 spole\u010dnosti, kter\u00e9 se sna\u017e\u00ed uzav\u00edrat hotovostn\u00ed dohody, to znamen\u00e1, \u017ee d\u00e1vaj\u00ed dlu\u017en\u00edk\u016fm del\u0161\u00ed lh\u016fty a pot\u00e9 jsou v\u0161echny \u010d\u00e1stky zaplaceny.<\/p>\n<\/div>

\n

Pro ty, kte\u0159\u00ed maj\u00ed mo\u017enost platby jednor\u00e1zovou platbou, je to tak\u00e9 skv\u011bl\u00e1 alternativa, nebo\u0165 v t\u011bchto p\u0159\u00edpadech b\u00fdvaj\u00ed slevy pom\u011brn\u011b vysok\u00e9.<\/p>\n<\/div>

\n

Jak jsme zm\u00ednili, p\u0159i spl\u00e1cen\u00ed dluh\u016f je c\u00edlem spole\u010dnost\u00ed p\u0159ij\u00edmat platby od dlu\u017en\u00fdch z\u00e1kazn\u00edk\u016f, tak\u017ee tito z\u00e1kazn\u00edci pot\u0159ebuj\u00ed vyu\u017e\u00edvat finan\u010dn\u00ed zpravodajstv\u00ed k uzav\u00edr\u00e1n\u00ed nejlep\u0161\u00edch dohod.<\/p>\n<\/div>

\n

A dal\u0161\u00ed zp\u016fsob, jak platit dluhy ve spl\u00e1tk\u00e1ch, je prost\u0159ednictv\u00edm aplikac\u00ed, jako je PicPay, kde z\u00e1kazn\u00edci prov\u00e1d\u011bj\u00ed platby ve spl\u00e1tk\u00e1ch pomoc\u00ed sv\u00e9 kreditn\u00ed karty.<\/p>\n<\/div>

\n

Jak pozn\u00e1te, \u017ee je spl\u00e1cen\u00ed dluh\u016f na spl\u00e1tky v\u00fdhodn\u00e9?<\/strong><\/h2>\n<\/div>
\n
\"Vale
Vyplat\u00ed se platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch? (Obr\u00e1zek: n\u00e1jemn\u00ed pr\u00e1vo)<\/figcaption><\/figure>\n<\/div>
\n

P\u0159i prohl\u00ed\u017een\u00ed v\u0161ech nesplacen\u00fdch dluh\u016f, kter\u00e9 je pot\u0159eba uhradit, vyvst\u00e1v\u00e1 ot\u00e1zka, jak\u00e9 spl\u00e1tky je mo\u017en\u00e9 prov\u00e9st.<\/p>\n<\/div>

\n

Nejprve tedy mus\u00edte pochopit, kolik tato hodnota p\u0159edstavuje ve va\u0161em dne\u0161n\u00edm rozpo\u010dtu.<\/p>\n<\/div>

\n

Jsou toti\u017e lid\u00e9, kte\u0159\u00ed maj\u00ed star\u00e9 a gigantick\u00e9 dluhy a za\u010d\u00edt dnes platit na spl\u00e1tky by p\u0159ineslo negativn\u011bj\u0161\u00ed finan\u010dn\u00ed d\u016fsledky.<\/p>\n<\/div>

\n

Ide\u00e1ln\u00ed by tedy bylo po\u010dkat na nov\u00e9 n\u00e1vrhy v\u011b\u0159itel\u016f, proto\u017ee ty b\u00fdvaj\u00ed velmi v\u00fdhodn\u00e9.<\/p>\n<\/div>

\n

Jin\u00fdmi slovy, je nutn\u00e9 prov\u00e9st konzultaci o v\u0161ech dluz\u00edch, jako\u017e i o datech prodlen\u00ed, hodnot\u00e1ch, n\u00e1vrz\u00edch, kter\u00e9 ji\u017e mohou b\u00fdt p\u0159edlo\u017eeny v\u011b\u0159iteli.<\/p>\n<\/div>

\n

A krom\u011b toho je tak\u00e9 pot\u0159eba konzultovat aktu\u00e1ln\u00ed rozpo\u010det, kde jsou p\u0159\u00edjmy, a v\u0161echny fixn\u00ed v\u00fddaje, co\u017e jsou ty, kter\u00e9 nem\u016f\u017eete p\u0159estat platit, jako nap\u0159.; elekt\u0159ina, voda, n\u00e1jem, telefon atd.<\/p>\n<\/div>

\n

A tak\u00e9 variabiln\u00ed v\u00fddaje, co\u017e jsou ty, kter\u00e9 nejsou nutn\u011b povinn\u00e9, jako jsou dan\u011b.<\/p>\n<\/div>

\n

Jak tedy mohu po proveden\u00ed v\u0161ech uveden\u00fdch krok\u016f analyzovat spl\u00e1tkov\u00fd kalend\u00e1\u0159, abych v\u011bd\u011bl, zda m\u00e1 skute\u010dn\u011b smysl jej p\u0159idat do m\u00e9ho sou\u010dasn\u00e9ho rozpo\u010dtu? Tak to uvid\u00edme.<\/p>\n<\/div>

\n

Jak analyzovat spl\u00e1tky<\/strong>?<\/h3>\n<\/div>
\n
\"Vale
Vyplat\u00ed se platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch? (Obr\u00e1zek: severov\u00fdchodn\u00ed den\u00edk)<\/figcaption><\/figure>\n<\/div>
\n

Nejprve jste pot\u0159ebovali zkontrolovat v\u0161echny neuhrazen\u00e9 dluhy a tak\u00e9 aktu\u00e1ln\u00ed rozpo\u010det.<\/p>\n<\/div>

\n

D\u00e1le mus\u00edme pochopit, jak analyzovat formy spl\u00e1tek, abychom v\u011bd\u011bli, zda jsou skute\u010dn\u011b v\u00fdhodn\u00e9.<\/p>\n<\/div>

\n

V prvn\u00ed \u0159ad\u011b tedy mus\u00edme v\u011bd\u011bt, jak\u00fd bude \u00farok uplatn\u011bn na spl\u00e1tky.<\/p>\n<\/div>

\n

\u00daroky toti\u017e z\u00e1vis\u00ed a li\u0161\u00ed se v z\u00e1vislosti na spole\u010dnosti, po\u010dtu spl\u00e1tek a v\u00fd\u0161i dluhu.<\/p>\n<\/div>

\n

Zjist\u011bte si tedy v\u0161echny mo\u017enosti spl\u00e1tek a jak\u00e9 \u00faroky se k t\u011bmto spl\u00e1tk\u00e1m p\u0159ipo\u010d\u00edtaj\u00ed.<\/p>\n<\/div>

\n

No, m\u016f\u017ee se st\u00e1t, \u017ee rozd\u011blit dluhy do mnoha spl\u00e1tek je mnohem v\u00fdhodn\u011bj\u0161\u00ed, ne\u017e p\u0159em\u011bnit sv\u00e9 finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed na spl\u00e1cen\u00ed dluh\u016f v n\u011bco dlouhodob\u00e9ho.<\/p>\n<\/div>

\n

Dal\u0161\u00edm d\u016fle\u017eit\u00fdm bodem je individu\u00e1ln\u00ed rozpo\u010det. Je to proto, \u017ee i kdy\u017e jde o vynikaj\u00edc\u00ed n\u00e1vrh, v\u00e1\u0161 rozpo\u010det jej nemus\u00ed podporovat.<\/p>\n<\/div>

\n

V tomto p\u0159\u00edpad\u011b bude v\u00fdhodn\u011bj\u0161\u00ed pokra\u010dovat s nesplacen\u00fdmi dluhy, dokud se neobjev\u00ed nov\u00e9 n\u00e1vrhy. (A v\u017edy se objev\u00ed).<\/p>\n<\/div>

\n

Jin\u00fdmi slovy, je to proto, \u017ee bychom si nem\u011bli br\u00e1t nov\u00e9 dluhy, abychom splatili star\u00e9 dluhy.<\/p>\n<\/div>

\n

P\u0159i anal\u00fdze, zda se v\u00e1m vyplat\u00ed spl\u00e1cet sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch, proto analyzujte v\u0161echny sv\u00e9 p\u0159\u00edjmy a v\u00fddaje, abyste se rozhodli spr\u00e1vn\u011b.<\/p>\n<\/div>

\n

A posledn\u00edm tipem je rozhodnout se pro spl\u00e1tky, kter\u00e9 zav\u00e1\u017eou maxim\u00e1ln\u011b 301 TP3T va\u0161eho sou\u010dasn\u00e9ho rozpo\u010dtu, aby to nem\u011blo z\u00e1sadn\u00ed d\u016fsledky.<\/p>\n<\/div>

\n

Kdy se vyplat\u00ed spl\u00e1cet dluhy ve spl\u00e1tk\u00e1ch?<\/strong><\/h2>\n<\/div>
\n
\"Vale
Vyplat\u00ed se platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch? (Obr\u00e1zek: klasick\u00e9 poji\u0161t\u011bn\u00ed)<\/figcaption><\/figure>\n<\/div>
\n

Jak jsme uvedli v\u00fd\u0161e, bude to z\u00e1viset na individu\u00e1ln\u00edch rozpo\u010dtech ka\u017ed\u00e9ho \u010dlov\u011bka a na tom, kde se ve finan\u010dn\u00edm \u017eivot\u011b nach\u00e1z\u00ed.<\/p>\n<\/div>

\n

Je to proto, \u017ee pokud dojde ke zv\u00fd\u0161en\u00ed p\u0159\u00edjmu, je schopen spl\u00e1cet dluhy.<\/p>\n<\/div>

\n

Pokud v\u0161ak p\u0159\u00edjem z\u016fstane stejn\u00fd, ale chce v\u011bd\u011bt, zda se j\u00ed vyplat\u00ed platit dluhy ve spl\u00e1tk\u00e1ch, bude nutn\u00e9 prov\u00e9st n\u011bkolik konzultac\u00ed a jedn\u00e1n\u00ed, zda je to skute\u010dn\u011b dobr\u00e1 alternativa.<\/p>\n<\/div>

\n

A\u010d se to m\u016f\u017ee zd\u00e1t zvl\u00e1\u0161tn\u00ed, pokud spl\u00e1tky nejsou zaj\u00edmav\u00e9, je lep\u0161\u00ed zvolit \u00fahradu dluh\u016f v hotovosti, slevy jsou v\u00fdhodn\u00e9.<\/p>\n<\/div>

\n

Pamatujte v\u0161ak, \u017ee \u010d\u00edm d\u00e9le bude dluh aktivn\u00ed, t\u00edm vy\u0161\u0161\u00ed bude \u00farok z prodlen\u00ed.<\/p>\n<\/div>

\n

Promluvte si proto se sv\u00fdmi v\u011b\u0159iteli, abyste spole\u010dn\u011b na\u0161li ta nejlep\u0161\u00ed \u0159e\u0161en\u00ed pro v\u00e1s oba.<\/p>\n<\/div>

\n

Co je aktivn\u00ed dluh?<\/strong><\/h2>\n<\/div>
\n
\"Vale
Vyplat\u00ed se platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch? (Obr\u00e1zek: tom\u00e1tico)<\/figcaption><\/figure>\n<\/div>
\n

Term\u00edn aktivn\u00ed dluh se t\u00fdk\u00e1 dluhu, kter\u00fd m\u00e1 osoba u st\u00e1tn\u00ed pokladny na obecn\u00ed, st\u00e1tn\u00ed nebo feder\u00e1ln\u00ed \u00farovni.<\/p>\n<\/div>

\n

K tomu doch\u00e1z\u00ed, kdy\u017e osoba nap\u0159\u00edklad zpozd\u00ed platby IPTU, a t\u00edm se zadlu\u017e\u00ed feder\u00e1ln\u00ed vl\u00e1d\u011b.<\/p>\n<\/div>

\n

Jin\u00fdmi slovy, kdy\u017e dojde ke zpo\u017ed\u011bn\u00ed, da\u0148ov\u00ed poplatn\u00edci se stanou sou\u010d\u00e1st\u00ed vl\u00e1dn\u00edho seznamu neplati\u010d\u016f.<\/p>\n<\/div>

\n

Tak\u017ee od okam\u017eiku zaps\u00e1n\u00ed jm\u00e9na na seznam se \u0159\u00edk\u00e1, \u017ee tito dlu\u017en\u00edci jsou evidov\u00e1ni v aktivn\u00edm dluhu.<\/p>\n<\/div>

\n

V tomto p\u0159\u00edpad\u011b jsou inkasa prov\u00e1d\u011bna feder\u00e1ln\u00ed vl\u00e1dou, co\u017e m\u016f\u017ee b\u00fdt provedeno zpo\u010d\u00e1tku pouze s varov\u00e1n\u00edm, nap\u0159\u00edklad v p\u0159\u00edpad\u011b nedoplatk\u016f IPTU, jak bylo uvedeno, m\u016f\u017ee dlu\u017en\u00edk dost\u00e1vat inkasn\u00ed dopisy dom\u016f.<\/p>\n<\/div>

\n

V p\u0159\u00edpad\u011b ne\u00fa\u010dinnosti dopis\u016f m\u016f\u017ee vl\u00e1da podat protest na jm\u00e9no dlu\u017en\u00edka u not\u00e1\u0159sk\u00fdch \u00fa\u0159ad\u016f a uv\u00e9st toto jm\u00e9no do registru neplati\u010d\u016f, jako je SPC a SERASA, a znemo\u017enit tak p\u0159\u00edstup k bankovn\u00edm \u00fav\u011br\u016fm.<\/p>\n<\/div>

\n

A jako posledn\u00ed mo\u017enost m\u016f\u017ee vl\u00e1da zah\u00e1jit soudn\u00ed proces naz\u00fdvan\u00fd da\u0148ov\u00e1 exekuce.<\/p>\n<\/div>

\n

K tomuto procesu v\u0161ak ji\u017e doch\u00e1z\u00ed v pokro\u010dilej\u0161\u00edch situac\u00edch, proto\u017ee m\u016f\u017ee v\u00e9st k obstaven\u00ed pen\u011bz a majetku tohoto dlu\u017en\u00edka.<\/p>\n<\/div>

\n

Jak pozn\u00e1m, \u017ee jsem v aktivn\u00edm dluhu?<\/strong><\/h3>\n<\/div>
\n
\"Vale
Vyplat\u00ed se platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch? (Obr\u00e1zek: foregon)<\/figcaption><\/figure>\n<\/div>
\n

Chcete-li zjistit, zda jste v dluhu, proces je velmi jednoduch\u00fd a lze jej prov\u00e9st online.<\/p>\n<\/div>

\n

Sta\u010d\u00ed p\u0159ej\u00edt na web Regularize, co\u017e je digit\u00e1ln\u00ed port\u00e1l Nejvy\u0161\u0161\u00edho st\u00e1tn\u00edho zastupitelstv\u00ed st\u00e1tn\u00ed pokladny (PGFN), pot\u00e9 se na port\u00e1lu zaregistrovat.<\/p>\n<\/div>

\n

Pot\u00e9 mus\u00ed z\u00e1jemce pou\u017e\u00edt zvolen\u00e9 p\u0159\u00edstupov\u00e9 heslo, digit\u00e1ln\u00ed certifik\u00e1t nebo vstoupit na port\u00e1l Federal Revenue e-CAC v nab\u00eddce \u201eAktivn\u00ed dluh Unie\u201c.<\/p>\n<\/div>

\n

Re\u0161er\u0161e v\u0161ak budou vyu\u017eity pouze u feder\u00e1ln\u00edch dluh\u016f, nebo\u0165 v p\u0159\u00edpadech st\u00e1tn\u00edch dluh\u016f se doporu\u010duje obr\u00e1tit se na st\u00e1tn\u00ed st\u00e1tn\u00ed zastupitelstv\u00ed.<\/p>\n<\/div>

\n

V p\u0159\u00edpad\u011b dluh\u016f obc\u00ed se poplatn\u00edk mus\u00ed obr\u00e1tit na finan\u010dn\u00ed odbor kraje.<\/p>\n<\/div>

\n

Kter\u00e9 dluhy generuj\u00ed registraci v aktivn\u00edm dluhu?<\/strong><\/h3>\n<\/div>
\n
\"Vale
Vyplat\u00ed se platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch? (Obr\u00e1zek: zkou\u0161ka)<\/figcaption><\/figure>\n<\/div>
\n

Abychom v\u011bd\u011bli, zda jste ji\u017e zadlu\u017eeni, mus\u00edme nejprve pochopit, kter\u00e9 dluhy generuj\u00ed registraci, jsou to:<\/p>\n<\/div>

\n
  1. Feder\u00e1ln\u00ed dan\u011b, jako je da\u0148 z p\u0159\u00edjmu;<\/li>
  2. Garan\u010dn\u00ed fond za odslou\u017eenou dobu \u2013 FGTS;<\/li>
  3. P\u0159\u00edsp\u011bvky zam\u011bstnavatele na soci\u00e1ln\u00ed zabezpe\u010den\u00ed;<\/li>
  4. Poplatky plynouc\u00ed ze slu\u017eeb st\u00e1tu;<\/li>
  5. Soudn\u00ed v\u00fdlohy;<\/li>
  6. Jednoduch\u00e9 n\u00e1rodn\u00ed.<\/li><\/ol>\n<\/div>
    \n

    A ve\u0159ejn\u00e9 org\u00e1ny, kter\u00e9 jsou odpov\u011bdn\u00e9 za poplatky, jsou:<\/p>\n<\/div>

    \n
    1. IRS;<\/li>
    2. Ministerstvo dopravy;<\/li>
    3. Ministerstvo pr\u00e1ce;<\/li>
    4. INSS;<\/li>
    5. Volebn\u00ed pokuty.<\/li><\/ol>\n<\/div>
      \n

      A u st\u00e1tn\u00edch dluh\u016f budou da\u0148ov\u00ed poplatn\u00edci registrov\u00e1ni v aktivn\u00edm dluhu st\u00e1tu. <\/p>\n<\/div>

      \n

      U dluh\u016f obce budou poplatn\u00edci evidov\u00e1ni v aktivn\u00edm dluhu Obce.<\/p>\n<\/div>

      \n

      Na to je pot\u0159eba d\u00e1t pozor, jeliko\u017e formy jedn\u00e1n\u00ed, ale i metody mohou b\u00fdt r\u016fzn\u00e9.<\/p>\n<\/div>

      \n

      Jin\u00fdmi slovy, jedn\u00e1n\u00ed budou zah\u00e1jena po dohod\u011b s ka\u017ed\u00fdm z ve\u0159ejn\u00fdch org\u00e1n\u016f.<\/p>\n<\/div>

      \n

      Proto p\u0159esn\u011b v\u011bzte, komu dlu\u017e\u00edte pen\u00edze, abyste v\u011bd\u011bli, jak\u00e9 d\u016fsledky to bude m\u00edt pro toto t\u011blo a tak\u00e9 pro um\u011bt finan\u010dn\u011b pl\u00e1novat<\/a>.<\/p>\n<\/div>

      \n

      Jak\u00e9 jsou lh\u016fty pro p\u0159ihl\u00e1\u0161en\u00ed do aktivn\u00edho dluhu?<\/h3>\n<\/div>
      \n
      \"Vale
      Vyplat\u00ed se platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch? (Obr\u00e1zek: f\u00e9nix)<\/figcaption><\/figure>\n<\/div>
      \n

      Lh\u016fty pro p\u0159ihl\u00e1\u0161en\u00ed do aktivn\u00edho dluhu budou z\u00e1viset na dluz\u00edch, jejich p\u016fvodu, v\u00fd\u0161i a potvrzen\u00ed plateb.<\/p>\n<\/div>

      \n

      Jin\u00fdmi slovy, p\u0159ed registrac\u00ed aktivn\u00edho dluhu je t\u0159eba prozkoumat n\u011bkolik faktor\u016f.<\/p>\n<\/div>

      \n

      Proto\u017ee se jedn\u00e1 o byrokratick\u00fd proces, je t\u0159eba prov\u00e9st n\u011bkter\u00e9 f\u00e1ze, aby se z da\u0148ov\u00e9ho poplatn\u00edka stal dlu\u017en\u00edk p\u0159\u00edjm\u016f.<\/p>\n<\/div>

      \n

      Pouh\u00e9 odlo\u017een\u00ed spl\u00e1tek proto nesta\u010d\u00ed, mus\u00edte tak\u00e9:<\/p>\n<\/div>

      \n
      1. Kontrola term\u00edn\u016f;<\/li>
      2. Dodr\u017euji z\u00e1kon;<\/li>
      3. Aktu\u00e1ln\u00ed dluhov\u00e1 situace;<\/li>
      4. V\u00fdpo\u010det hodnot;<\/li>
      5. Vy\u0161et\u0159en\u00ed procesu;<\/li>
      6. Ov\u011b\u0159en\u00ed existence zpochybn\u011bn\u00ed nebo platby nebo pozastaven\u00ed dluhu;<\/li>
      7. Likvidita.<\/li><\/ol>\n<\/div>
        \n

        Tak\u017ee se nebojte, proto\u017ee registrace nem\u016f\u017ee a nem\u011bla by prob\u011bhnout p\u0159es noc.<\/p>\n<\/div>

        \n

        Lze aktivn\u00ed dluh platit ve spl\u00e1tk\u00e1ch?<\/strong><\/h3>\n<\/div>
        \n
        \"Vale
        Vyplat\u00ed se platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch? (Obr\u00e1zek: pagowhenpuder)<\/figcaption><\/figure>\n<\/div>
        \n

        Ano, feder\u00e1ln\u00ed vl\u00e1da hled\u00e1 zp\u016fsoby, jak usnadnit p\u0159\u00edjem pen\u011bz z dluh\u016f da\u0148ov\u00fdch poplatn\u00edk\u016f, a tak\u00e9 jim pomoci dr\u017eet krok s IRS.<\/p>\n<\/div>

        \n

        Je to proto, \u017ee \u010d\u00edm v\u00edce dlu\u017en\u00edk\u016f bude v dluz\u00edch, t\u00edm v\u00edce bude po\u0161kozena ve\u0159ejn\u00e1 kasa.<\/p>\n<\/div>

        \n

        Unie, st\u00e1ty a obce tedy ka\u017edoro\u010dn\u011b nab\u00edzej\u00ed aktivn\u00ed programy spl\u00e1tek dluhu pro registrovan\u00e9 da\u0148ov\u00e9 poplatn\u00edky.<\/p>\n<\/div>

        \n

        T\u00edmto zp\u016fsobem je vl\u00e1da schopna vyrovnat dluhy a da\u0148ov\u00ed poplatn\u00edci zlep\u0161it sv\u016fj vztah k da\u0148ov\u00e9mu \u00fa\u0159adu.<\/p>\n<\/div>

        \n

        V t\u011bchto p\u0159\u00edpadech jsou slevy obvykle vysok\u00e9, stejn\u011b jako sn\u00ed\u017een\u00fd \u00farok a hodnoty, dosahuj\u00edc\u00ed 90%.<\/p>\n<\/div>

        \n

        Platebn\u00ed lh\u016fty jsou v\u0161ak kr\u00e1tk\u00e9, tak\u017ee poplatn\u00edci ne v\u017edy dok\u00e1\u017eou vyu\u017e\u00edt p\u0159\u00edle\u017eitosti.<\/p>\n<\/div>

        \n

        A nav\u00edc ka\u017ed\u00fd da\u0148ov\u00fd poplatn\u00edk, kter\u00fd je zaps\u00e1n v aktivn\u00edm dluhu, m\u016f\u017ee tak\u00e9 po\u017e\u00e1dat o platbu ve spl\u00e1tk\u00e1ch, pokud jsou programy otev\u0159en\u00e9.<\/p>\n<\/div>

        \n

        Pro\u010d je d\u016fle\u017eit\u00e9 spl\u00e1cet aktivn\u00ed dluh?<\/strong><\/h2>\n<\/div>
        \n
        \"Vale
        Vyplat\u00ed se platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch? (Obr\u00e1zek: podniknout)<\/figcaption><\/figure>\n<\/div>
        \n

        Ji\u017e v\u00edme, \u017ee v\u010dasn\u00e9 platby je d\u016fle\u017eit\u00e9 bez ohledu na to, kdo je v\u011b\u0159itel.<\/p>\n<\/div>

        \n

        Pokud v\u0161ak m\u00e1te aktivn\u00ed dluh u ve\u0159ejn\u00fdch org\u00e1n\u016f, m\u011blo by to b\u00fdt prioritou.<\/p>\n<\/div>

        \n

        Je to proto, \u017ee \u00farokov\u00e9 sazby jsou velmi vysok\u00e9 a finan\u010dn\u00ed d\u016fsledky by mohly b\u00fdt dosti katastrof\u00e1ln\u00ed, zvl\u00e1\u0161t\u011b pokud by se dostaly do pr\u00e1vn\u00ed sf\u00e9ry.<\/p>\n<\/div>

        \n

        Jin\u00fdmi slovy, pokud jsou \u00farokov\u00e9 sazby vysok\u00e9 ji\u017e ve spr\u00e1vn\u00ed sf\u00e9\u0159e, a\u017e se dostane do pr\u00e1vn\u00ed sf\u00e9ry, budou d\u016fsledky je\u0161t\u011b v\u011bt\u0161\u00ed.<\/p>\n<\/div>

        \n

        Proto se sna\u017ete vy\u0159e\u0161it v\u0161echny finan\u010dn\u00ed probl\u00e9my v r\u00e1mci sv\u00e9 kontroly dluh\u016f, ale pokud existuj\u00ed aktivn\u00ed dluhy u IRS, v\u017edy dejte p\u0159ednost.<\/p>\n<\/div>

        \n

        A pokud se chcete dozv\u011bd\u011bt v\u00edce, m\u016f\u017eete se tak\u00e9 pod\u00edvat jak vyjedn\u00e1vat dluhy s bankou<\/a>. <\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

        Stalo se v\u00e1m n\u011bkdy, \u017ee m\u00e1te n\u011bkolik nezaplacen\u00fdch \u00fa\u010dt\u016f a nev\u00edte, jak je za\u010d\u00edt platit? P\u0159em\u00fd\u0161leli jste n\u011bkdy o tom, zda by nebylo dobrou alternativou platit sv\u00e9 dluhy ve spl\u00e1tk\u00e1ch? Tak poj\u010fte s n\u00e1mi a my v\u00e1m odpov\u00edme na va\u0161e ot\u00e1zky.<\/p>","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[38,19],"tags":[162,65,161],"yoast_head":"\nParcelar d\u00edvidas: vale a pena fazer isso? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"J\u00e1 se perguntou se vale a pena parcelar as d\u00edvidas? 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